(GBCI) Glacier Bancorp - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US37637Q1058
Stock: Banking, Lending, Deposits, Mortgages
Total Rating 35
Risk 41
Buy Signal 0.84
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.07% |
| Yield on Cost 5y | 3.01% |
| Yield CAGR 5y | -1.81% |
| Payout Consistency | 94.3% |
| Payout Ratio | 60.6% |
| Risk 5d forecast | |
|---|---|
| Volatility | 37.0% |
| Relative Tail Risk | -12.3% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.28 |
| Alpha | -8.10 |
| Character TTM | |
|---|---|
| Beta | 1.081 |
| Beta Downside | 1.215 |
| Drawdowns 3y | |
|---|---|
| Max DD | 42.06% |
| CAGR/Max DD | 0.19 |
Description: GBCI Glacier Bancorp January 09, 2026
Glacier Bancorp, Inc. (NYSE:GBCI) is a regional bank holding company headquartered in Kalispell, Montana, offering a full suite of commercial banking services-including retail deposits, business loans, mortgage origination, and loan servicing-to individuals, SMBs, community organizations, and public entities across the United States.
Key operating metrics as of the most recent quarter show a net interest margin of roughly 3.6%, total loan growth of 5.2% YoY, and deposit balances expanding at 4.8% YoY, reflecting the firm’s ability to capture higher-yielding loan opportunities while maintaining a stable funding base. The bank’s loan portfolio is diversified, with commercial real-estate and construction loans accounting for about 28% of total assets, a sector that remains sensitive to the Fed’s interest-rate policy and regional housing demand. Additionally, GBCI’s non-performing loan ratio sits near 0.5%, well below the regional-bank average, underscoring strong credit quality amid a tightening monetary environment.
For a deeper dive into GBCI’s valuation and risk profile, you might explore the analysis on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 239.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.02 > 1.0 |
| NWC/Revenue: 1757 % < 20% (prev -1422 %; Δ 3178 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 352.9m > Net Income 239.0m |
| Net Debt (-239.8m) to EBITDA (365.0m): -0.66 < 3 |
| Current Ratio: 307.6 > 1.5 & < 3 |
| Outstanding Shares: last quarter (130.1m) vs 12m ago 14.69% < -2% |
| Gross Margin: 68.96% > 18% (prev 0.63%; Δ 6833 % > 0.5%) |
| Asset Turnover: 4.76% > 50% (prev 4.46%; Δ 0.30% > 0%) |
| Interest Coverage Ratio: 0.80 > 6 (EBITDA TTM 365.0m / Interest Expense TTM 406.8m) |
Altman Z'' 5.37
| A: 0.78 (Total Current Assets 25.12b - Total Current Liabilities 81.7m) / Total Assets 31.98b |
| B: 0.04 (Retained Earnings 1.16b / Total Assets 31.98b) |
| C: 0.01 (EBIT TTM 325.9m / Avg Total Assets 29.94b) |
| D: 0.04 (Book Value of Equity 993.8m / Total Liabilities 27.76b) |
| Altman-Z'' Score: 5.37 = AAA |
Beneish M 1.00
| DSRI: 183.0 (Receivables 20.79b/99.3m, Revenue 1.43b/1.25b) |
| GMI: 0.91 (GM 68.96% / 62.78%) |
| AQI: 0.24 (AQ_t 0.20 / AQ_t-1 0.82) |
| SGI: 1.14 (Revenue 1.43b / 1.25b) |
| TATA: -0.00 (NI 239.0m - CFO 352.9m) / TA 31.98b) |
| Beneish M-Score: 146.3 (Cap -4..+1) = D |
What is the price of GBCI shares?
As of February 08, 2026, the stock is trading at USD 53.19 with a total of 1,398,321 shares traded.
Over the past week, the price has changed by +4.95%, over one month by +12.60%, over three months by +29.72% and over the past year by +8.09%.
Over the past week, the price has changed by +4.95%, over one month by +12.60%, over three months by +29.72% and over the past year by +8.09%.
Is GBCI a buy, sell or hold?
Glacier Bancorp has received a consensus analysts rating of 3.83.
Therefore, it is recommended to buy GBCI.
- StrongBuy: 2
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the GBCI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 56.8 | 6.8% |
| Analysts Target Price | 56.8 | 6.8% |
| ValueRay Target Price | 59.1 | 11.1% |
GBCI Fundamental Data Overview February 02, 2026
P/E Trailing = 24.9655
P/E Forward = 21.3675
P/S = 6.8484
P/B = 1.54
P/EG = 2.1
Revenue TTM = 1.43b USD
EBIT TTM = 325.9m USD
EBITDA TTM = 365.0m USD
Long Term Debt = 1.11b USD (from longTermDebt, two quarters ago)
Short Term Debt = 81.7m USD (from shortTermDebt, last quarter)
Debt = 81.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -239.8m USD (from netDebt column, last quarter)
Enterprise Value = 2.34b USD (6.59b + Debt 81.7m - CCE 4.33b)
Interest Coverage Ratio = 0.80 (Ebit TTM 325.9m / Interest Expense TTM 406.8m)
EV/FCF = 7.49x (Enterprise Value 2.34b / FCF TTM 312.1m)
FCF Yield = 13.35% (FCF TTM 312.1m / Enterprise Value 2.34b)
FCF Margin = 21.90% (FCF TTM 312.1m / Revenue TTM 1.43b)
Net Margin = 16.77% (Net Income TTM 239.0m / Revenue TTM 1.43b)
Gross Margin = 68.96% ((Revenue TTM 1.43b - Cost of Revenue TTM 442.5m) / Revenue TTM)
Gross Margin QoQ = 74.18% (prev 70.23%)
Tobins Q-Ratio = 0.07 (Enterprise Value 2.34b / Total Assets 31.98b)
Interest Expense / Debt = 130.6% (Interest Expense 106.7m / Debt 81.7m)
Taxrate = 16.40% (12.5m / 76.3m)
NOPAT = 272.5m (EBIT 325.9m * (1 - 16.40%))
Current Ratio = 307.6 (out of range, set to none) (Total Current Assets 25.12b / Total Current Liabilities 81.7m)
Debt / Equity = 0.02 (Debt 81.7m / totalStockholderEquity, last quarter 4.21b)
Debt / EBITDA = -0.66 (Net Debt -239.8m / EBITDA 365.0m)
Debt / FCF = -0.77 (Net Debt -239.8m / FCF TTM 312.1m)
Total Stockholder Equity = 3.66b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.80% (Net Income 239.0m / Total Assets 31.98b)
RoE = 6.53% (Net Income TTM 239.0m / Total Stockholder Equity 3.66b)
RoCE = 6.83% (EBIT 325.9m / Capital Employed (Equity 3.66b + L.T.Debt 1.11b))
RoIC = 5.55% (NOPAT 272.5m / Invested Capital 4.91b)
WACC = 9.78% (E(6.59b)/V(6.67b) * Re(9.90%) + (debt cost/tax rate unavailable))
Discount Rate = 9.90% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 8.33%
[DCF Debug] Terminal Value 70.42% ; FCFF base≈294.1m ; Y1≈272.2m ; Y5≈246.8m
Fair Price DCF = 27.15 (EV 3.29b - Net Debt -239.8m = Equity 3.53b / Shares 129.9m; r=9.78% [WACC]; 5y FCF grow -9.41% → 2.90% )
EPS Correlation: -35.76 | EPS CAGR: -5.67% | SUE: 0.0 | # QB: 0
Revenue Correlation: 97.43 | Revenue CAGR: 18.24% | SUE: 2.79 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.66 | Chg30d=-0.021 | Revisions Net=-2 | Analysts=5
EPS current Year (2026-12-31): EPS=3.12 | Chg30d=-0.036 | Revisions Net=-1 | Growth EPS=+39.1% | Growth Revenue=+25.3%
EPS next Year (2027-12-31): EPS=3.62 | Chg30d=-0.007 | Revisions Net=+0 | Growth EPS=+16.2% | Growth Revenue=+8.2%
P/E Forward = 21.3675
P/S = 6.8484
P/B = 1.54
P/EG = 2.1
Revenue TTM = 1.43b USD
EBIT TTM = 325.9m USD
EBITDA TTM = 365.0m USD
Long Term Debt = 1.11b USD (from longTermDebt, two quarters ago)
Short Term Debt = 81.7m USD (from shortTermDebt, last quarter)
Debt = 81.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -239.8m USD (from netDebt column, last quarter)
Enterprise Value = 2.34b USD (6.59b + Debt 81.7m - CCE 4.33b)
Interest Coverage Ratio = 0.80 (Ebit TTM 325.9m / Interest Expense TTM 406.8m)
EV/FCF = 7.49x (Enterprise Value 2.34b / FCF TTM 312.1m)
FCF Yield = 13.35% (FCF TTM 312.1m / Enterprise Value 2.34b)
FCF Margin = 21.90% (FCF TTM 312.1m / Revenue TTM 1.43b)
Net Margin = 16.77% (Net Income TTM 239.0m / Revenue TTM 1.43b)
Gross Margin = 68.96% ((Revenue TTM 1.43b - Cost of Revenue TTM 442.5m) / Revenue TTM)
Gross Margin QoQ = 74.18% (prev 70.23%)
Tobins Q-Ratio = 0.07 (Enterprise Value 2.34b / Total Assets 31.98b)
Interest Expense / Debt = 130.6% (Interest Expense 106.7m / Debt 81.7m)
Taxrate = 16.40% (12.5m / 76.3m)
NOPAT = 272.5m (EBIT 325.9m * (1 - 16.40%))
Current Ratio = 307.6 (out of range, set to none) (Total Current Assets 25.12b / Total Current Liabilities 81.7m)
Debt / Equity = 0.02 (Debt 81.7m / totalStockholderEquity, last quarter 4.21b)
Debt / EBITDA = -0.66 (Net Debt -239.8m / EBITDA 365.0m)
Debt / FCF = -0.77 (Net Debt -239.8m / FCF TTM 312.1m)
Total Stockholder Equity = 3.66b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.80% (Net Income 239.0m / Total Assets 31.98b)
RoE = 6.53% (Net Income TTM 239.0m / Total Stockholder Equity 3.66b)
RoCE = 6.83% (EBIT 325.9m / Capital Employed (Equity 3.66b + L.T.Debt 1.11b))
RoIC = 5.55% (NOPAT 272.5m / Invested Capital 4.91b)
WACC = 9.78% (E(6.59b)/V(6.67b) * Re(9.90%) + (debt cost/tax rate unavailable))
Discount Rate = 9.90% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 8.33%
[DCF Debug] Terminal Value 70.42% ; FCFF base≈294.1m ; Y1≈272.2m ; Y5≈246.8m
Fair Price DCF = 27.15 (EV 3.29b - Net Debt -239.8m = Equity 3.53b / Shares 129.9m; r=9.78% [WACC]; 5y FCF grow -9.41% → 2.90% )
EPS Correlation: -35.76 | EPS CAGR: -5.67% | SUE: 0.0 | # QB: 0
Revenue Correlation: 97.43 | Revenue CAGR: 18.24% | SUE: 2.79 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.66 | Chg30d=-0.021 | Revisions Net=-2 | Analysts=5
EPS current Year (2026-12-31): EPS=3.12 | Chg30d=-0.036 | Revisions Net=-1 | Growth EPS=+39.1% | Growth Revenue=+25.3%
EPS next Year (2027-12-31): EPS=3.62 | Chg30d=-0.007 | Revisions Net=+0 | Growth EPS=+16.2% | Growth Revenue=+8.2%