GBCI Stock Analysis: Glacier Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 5.750m USD | 12M Return: -5.7% | US37637Q1058 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 43.7M
EPS Trend: 58.2%
Qual. Beats: 0
Rev. Trend: 98.4%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Glacier Bancorp, Inc. (NYSE: GBCI) is a U.S. regional bank holding company headquartered in Kalispell, Montana. Founded in 1955 and publicly listed since 1992, it operates through its subsidiary Glacier Bank to provide commercial and retail banking services to individuals, small to medium-sized businesses, community organizations, and public entities across multiple states.
The companys core activities include deposit gathering, mortgage origination and loan servicing, and a diversified lending portfolio spanning residential, commercial real estate, construction, agricultural, consumer, and home equity loans. Glacier accepts a full range of deposit products, including non-interest bearing accounts, money market deposits, certificates of deposit, and individual retirement accounts. As a community-focused regional bank, GBCI emphasizes relationship-based lending and local market knowledge in the geographic areas it serves, distinguishing its model from the national scale of money-center banks.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio raises credit risk concerns
- Loan and deposit growth accelerates across Mountain West markets
| Net Income: 311.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.05 > 1.0 |
| NWC/Revenue: -1.72k% < 20% (prev -1.45k%; Δ -266.0% < -1%) |
| CFO/TA 0.01 > 3% & CFO 444.6m > Net Income 311.7m |
| Net Debt (1.92b) to EBITDA (457.5m): 4.20 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (130.3m) vs 12m ago 14.80% < -2% |
| Gross Margin: 73.85% > 18% (prev 64.41%; Δ 9.43% > 0.5%) |
| Asset Turnover: 5.08% > 50% (prev 4.46%; Δ 0.62% > 0%) |
| Interest Coverage Ratio: 1.09 > 6 (EBIT TTM 421.9m / Interest Expense TTM 388.8m) |
| A: -0.84 (Total Current Assets 474.0m - Total Current Liabilities 26.9b) / Total Assets 31.6b |
| B: 0.04 (Retained Earnings 1.25b / Total Assets 31.6b) |
| C: 0.01 (EBIT TTM 421.9m / Avg Total Assets 30.3b) |
| D: 0.16 (Book Value of Equity 4.31b / Total Liabilities 27.3b) |
| Altman-Z'' = -5.10 = D |
| DSRI: 0.93 (Receivables 120.3m/108.3m, Revenue 1.54b/1.29b) |
| GMI: 0.87 (GM 64.41% / 73.85%) |
| AQI: 1.19 (AQ_t 0.97 / AQ_t-1 0.82) |
| SGI: 1.19 (Revenue 1.54b / 1.29b) |
| TATA: -0.00 (NI 311.7m - CFO 444.6m) / TA 31.6b) |
| Beneish M = -2.95 (Cap -4..+1) = A |
As of September 27, 2026, the stock is trading at USD 44.75 with a total of 1,071,379 shares traded. Over the past week, the price has changed by +0.18%, over one month by -5.49%, over three months by -11.35% and over the past year by -5.70%.
Current recommended Stop Loss: 43.60 (which is 2.6% or 1.2 ATR below the current price).
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
| Analysts Target Price | 56.8 | 27% |
P/E Trailing = 18.4
P/E Forward = 21.3675
P/S = 5.0924
P/B = 1.3531
P/EG = 1.7491
Revenue TTM = 1.54b USD
EBIT TTM = 421.9m USD
EBITDA TTM = 457.5m USD
Long Term Debt = 241.5m USD (from longTermDebt, last quarter)
Short Term Debt = 1.95b USD (from shortTermDebt, last quarter)
Debt = 2.28b USD (from shortLongTermDebtTotal, last quarter) + Leases 82.9m
Net Debt = 1.92b USD (calculated: Debt 2.28b - CCE 353.7m)
Enterprise Value = 7.67b USD (5.75b + Debt 2.28b - CCE 353.7m)
Interest Coverage Ratio = 1.09 (Ebit TTM 421.9m / Interest Expense TTM 388.8m)
EV/FCF = 19.35x (Enterprise Value 7.67b / FCF TTM 396.4m)
FCF Yield = 5.17% (FCF TTM 396.4m / Enterprise Value 7.67b)
FCF Margin = 25.76% (FCF TTM 396.4m / Revenue TTM 1.54b)
Net Margin = 20.25% (Net Income TTM 311.7m / Revenue TTM 1.54b)
Gross Margin = 73.85% ((Revenue TTM 1.54b - Cost of Revenue TTM 402.5m) / Revenue TTM)
Gross Margin QoQ = 75.69% (prev 75.08%)
Tobins Q-Ratio = 0.24 (Enterprise Value 7.67b / Total Assets 31.6b)
Interest Expense / Debt = 17.07% (Interest Expense 388.8m / Debt 2.28b)
Taxrate = 19.30% (74.5m / 386.2m)
NOPAT = 340.5m (EBIT 421.9m * (1 - 19.30%))
Current Ratio = 0.02 (Total Current Assets 474.0m / Total Current Liabilities 26.9b)
Debt / Equity = 0.53 (Debt 2.28b / totalStockholderEquity, last quarter 4.31b)
Debt / EBITDA = 4.20 (Net Debt 1.92b / EBITDA 457.5m)
Debt / FCF = 4.85 (Net Debt 1.92b / FCF TTM 396.4m)
Total Stockholder Equity = 4.10b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.03% (Net Income 311.7m / Total Assets 31.6b)
RoE = 7.61% (Net Income TTM 311.7m / Total Stockholder Equity 4.10b)
RoCE = 9.73% (EBIT 421.9m / Capital Employed (Equity 4.10b + L.T.Debt 241.5m))
RoIC = 1.08% (NOPAT 340.5m / Invested Capital 31.5b)
WACC = 10.71% (E(5.75b)/V(8.03b) * Re(9.49%) + D(2.28b)/V(8.03b) * Rd(17.07%) * (1-Tc(0.19)))
Discount Rate = 9.49% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 81.31 | Cagr: 6.74%
[DCF] Terminal Value 70.51% ; FCFF base≈377.2m ; Y1≈428.1m ; Y5≈614.3m
[DCF] Fair Price = 35.48 (EV 6.54b - Net Debt 1.92b = Equity 4.62b / Shares 130.2m; r=10.71% [WACC]; 5y FCF grow 13.84% → 2.50% )
EPS Correlation: 58.18 | EPS CAGR: 9.61% | SUE: 0.0 | # QB: 0
Revenue Correlation: 98.38 | Revenue CAGR: 13.29% | SUE: 0.31 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.81 | Chg30d=-0.12% | Revisions=-38% | Analysts=6
EPS current Year (2026-12-31): EPS=3.12 | Chg30d=-0.07% | Revisions=+0% | GrowthEPS=+39.4% | GrowthRev=+25.0%
EPS next Year (2027-12-31): EPS=3.60 | Chg30d=+0.00% | Revisions=-29% | GrowthEPS=+15.5% | GrowthRev=+8.3%
[Analyst] Revisions Ratio: -28% (up=5, down=10)