GBCI

Glacier Bancorp, Inc.

Fundamental data last updated:November 5, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

US

Next Earnings Date

01/28/2027

Business Summary

Glacier Bancorp, Inc. operates as the bank holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the United States. It offers retail banking; business banking and mortgage origination and loan servicing services. The company also accepts deposit products, including non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal, demand deposit accounts, savings, money market deposits, fixed rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts. In addition, it offers credit risk management, construction and permanent loans on residential real estate, consumer land or lot loans, unimproved land and land development loans, construction loans, commercial real estate loans, agricultural and consumer lending, home equity loans, and states and political subdivisions lending, as well as residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. Glacier Bancorp, Inc. was founded in 1955 and is headquartered in Kalispell, Montana.

 


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VALUATION

P/E

18.37

Market Cap ($M USD)

$6.39B

Forward P/E

16.14

PEG

0.35

PRICE TO SALES

4.00

PRICE TO BOOK

1.47

EV / EBITDA

11.95

5-Year Average P/E

Free Cash Flow Yield

6.21%

DCF Value

$175.24

Graham Number

$44.79

Price to FCF

16.11

EV to FCF

17.89

Earnings Yield

5.45%

FCF Yield

6.21%

DIVIDEND

Yield

2.73%

Annual Payout

$1.34

Payout Ratio

48.28%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$2.68

Next Year EPS Growth Estimate

$3.04

Next Year Revenue Growth Estimate

$1.30B

Return on Equity (ROE)

8.14%

FREE CASH FLOW

Operating Margin

26.80%

Debt-to-Equity

0.51

Piotroski F-Score

8

Altman Z-Score

-0.41

Return on Invested Capital (ROIC)

4.92%

Current Ratio

0.30

Quick Ratio

0.30

Net Debt to EBITDA

1.19

Interest Coverage

1.13

Gross Profit margin

75.58%

FCF PER SHARE

$3.04

REVENUE PER SHARE

$12.28

Analyze GBCI on TradingView

Gainseekers Quantitative Analysis

Summary

GBCI’s valuation paints a complex picture. Recent pricing has shown the stock trading significantly below its DCF value of $180.45, suggesting a potential undervaluation. However, the Altman Z-score of -0.43 raises red flags about financial distress, while the Forward P/E of 13.38 and Earnings Yield of 4.20% indicate a mixed growth outlook. The market seems to be pricing in some risk, yet the PEG ratio of 0.17 suggests undervaluation relative to growth expectations. This duality makes it a compelling, albeit risky, opportunity for discerning investors.

AI Exposure / Tech Reliance

In the realm of AI and tech adaptation, Glacier Bancorp operates within the regional banking sector, which is traditionally slower to adopt cutting-edge technology. However, the financial services industry is increasingly leveraging AI for risk management and customer service. GBCI's ability to integrate these technologies will be crucial for maintaining competitiveness and operational efficiency.

The Bull Case

For the value or GARP investor, GBCI offers enticing prospects. The Piotroski F-Score of 8 signals strong financial health, while a robust ROIC of 7.52% highlights efficient capital use. With a Free Cash Flow Yield of 5.74%, the company demonstrates solid cash generation capabilities. Coupled with an operating margin of 24.03%, GBCI showcases pricing power and operational efficiency, making it an attractive buy for those seeking growth at a reasonable price.

The Bear Case

Despite some strengths, GBCI faces notable challenges. The Price/Book ratio of 1.49 and Price/Sales of 4.21 suggest a premium valuation, potentially limiting upside. The Altman Z-score indicates financial vulnerability, and the Current Ratio of 0.30 raises liquidity concerns. Additionally, the stock's proximity to its 52-week high could signal technical overextension, making it a risky bet for cautious investors.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$58.50

Institutional Ownership %

1-Year Beta

0.77

Insider Buying % (6 Mo)

Distance to 52-Week High

11.25%

Distance to 52-Week Low

18.67%

EARNINGS SURPRISE %

2.79%

50-DAY SMA

$45.30

200-DAY SMA

$47.67

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.