A Business at a Glance
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Glacier Bancorp, Inc., headquartered in Kalispell, Montana, is a Montana corporation incorporated in 2004 as a successor corporation to the Delaware corporation originally incorporated in 1990. The terms “Company,” “we,” “us” and “our” mean Glacier Bancorp, Inc. and its subsidiaries, when appropriate. The Company is a publicly-traded company and its common stock trades on the New York Stock Exchange (“NYSE”) under the symbol: GBCI. We provide a full range of banking services to individuals and businesses from 281 locations in Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, Nevada, and Texas through our wholly-owned bank subsidiary, Glacier Bank (the “Bank”). We offer a wide range of banking products and services, including: 1) retail banking; 2) business banking; 3) real estate, commercial, agriculture and consumer loans; and 4) mortgage origination and loan servicing. We serve individuals, small to medium-sized businesses, community organizations and public entities.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.4B | 1.4B | 1.3B | 1.1B | 950M | 826M |
| Net Income | 239M | 239M | 190M | 223M | 303M | 285M |
| EPS | $1.99 | $1.99 | $1.68 | $2.01 | $2.74 | $2.86 |
| Free Cash Flow | 348M | 348M | 210M | 451M | 437M | 563M |
| ROIC | 5.6% | 6.4% | 4.2% | 5.2% | 10.0% | 10.4% |
| Gross Margin | 66.7% | 66.7% | 63.5% | 70.0% | 93.6% | 95.8% |
| Debt/Equity | 0.01 | 0.01 | 0.01 | 1.82 | 0.01 | 0.00 |
| Dividends/Share | $1.35 | $1.32 | $1.32 | $1.32 | $1.32 | $1.37 |
| Operating Income | 18M | 18M | 14M | 12M | 370M | 349M |
| Operating Margin | 1.2% | 1.2% | 1.1% | 1.1% | 39.0% | 42.3% |
| ROE | 5.7% | 6.4% | 6.1% | 7.6% | 10.1% | 10.4% |
| Shares Outstanding | 120M | 120M | 113M | 111M | 111M | 100M |
GLACIER BANCORP, INC. passes 4 of 9 quality checks, suggesting mixed fundamentals.
GLACIER BANCORP, INC. trades at 24.4x trailing earnings, compared to its 15-year median P/E of 17.3x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 18.2x vs a median of 11.2x. The company's 5-year average ROIC is 7.2% with a gross margin of 77.9%. Total shareholder yield (dividends) is 2.8%. At current prices, the estimated annualized return to fair value is +2.1%.
GLACIER BANCORP, INC. (GBCI) has a current P/E ratio of 24.4, compared to its historical median P/E of 17.3. The stock is currently considered Expensive based on its historical valuation range.
GLACIER BANCORP, INC. (GBCI) has a 5-year average return on invested capital (ROIC) of 7.2%. This is below average and may indicate limited pricing power.
GLACIER BANCORP, INC. (GBCI) has a market capitalization of $5.8B. It is classified as a mid-cap stock.
Yes, GLACIER BANCORP, INC. (GBCI) pays a dividend with a trailing twelve-month yield of 2.78%.
Based on historical P/E analysis, GLACIER BANCORP, INC. (GBCI) appears expensive. The current P/E of 24.4 is 41% above its historical median of 17.3. The estimated fair value CAGR (P/E method) is -3.7%.
GLACIER BANCORP, INC. (GBCI) operates in the State Commercial Banks industry, within the Financials sector.
GLACIER BANCORP, INC. (GBCI) reported annual revenue of $1.4 billion in its most recent fiscal year, based on SEC EDGAR filings.
GLACIER BANCORP, INC. (GBCI) has a net profit margin of 16.6%. This is a healthy margin.
GLACIER BANCORP, INC. (GBCI) generated $348 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
GLACIER BANCORP, INC. (GBCI) has a debt-to-equity ratio of 0.01. This indicates a conservatively financed balance sheet.
GLACIER BANCORP, INC. (GBCI) reported earnings per share (EPS) of $1.99 in its most recent fiscal year.
GLACIER BANCORP, INC. (GBCI) has a return on equity (ROE) of 6.4%. This indicates moderate shareholder returns.
GLACIER BANCORP, INC. (GBCI) has a 5-year average gross margin of 77.9%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for GLACIER BANCORP, INC. (GBCI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
GLACIER BANCORP, INC. (GBCI) has a book value per share of $35.08, based on its most recent annual SEC filing.