Want to see GBCI full AI Analyst Report?
Glacier Bancorp (GBCI) AI Stock Analysis
Top Page
Glacier Bancorp
(NYSE:GBCI)
Overall score is driven primarily by solid financial performance with improved leverage, reinforced by a strongly positive earnings call (record earnings, expanding NIM outlook, strong deposits and credit). The score is tempered by overbought technical conditions and a valuation that appears fair rather than discounted.
Glacier Bancorp (GBCI) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $6.32B
- Dividend Yield
- 2.76%
- Average Volume (3M)
- 1.08M
- Price to Earnings (P/E)
- 18.2
- Beta (1Y)
- 0.80
- Revenue Growth
- 21.22%
- EPS Growth
- 30.61%
- Country
- US
- Employees
- 4,111
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Glacier Bancorp Business Overview & Revenue Model
Company Description
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 retai...
How the Company Makes Money
Glacier Bancorp primarily makes money through traditional banking income streams generated by its bank subsidiary. The largest driver is net interest income: the company earns interest and fees on loans and other interest-earning assets (e.g., commer...
Glacier Bancorp Earnings Call Summary
The call was strongly positive, with record net income, accelerating year-over-year earnings, a net interest margin above 4% for the first time, broad-based deposit growth, disciplined loan growth, excellent credit quality, improved efficiency, and additional asset repricing opportunities. The main cautions were seasonal loan-growth moderation, potential increases in deposit costs, expenses expected near the high end of guidance, economic and geopolitical uncertainty, and a nonrecurring fair value benefit in prior-quarter noninterest income. Highlights significantly outweighed the lowlights.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management remains comfortable with its low to mid-single-digit outlook for loan growth; investment cash flows are being reinvested roughly 350 basis points higher than the current runoff yield, approximately $3.5 billion of loans will reprice up 125 to 150 basis points in the next 12 months, and margin is expected to continue expanding throughout ’27. Historically, margin has been 4% to 4.5%, with some things that could lift it towards the higher end of the range, although management cannot put a time frame on reaching 4.5%. Deposit beta is expected to be somewhere in the range of 20% to 25%, with early-cycle beta closer to the lower end. Fourth-quarter expenses are guided to $187 million to $192 million, likely towards the high end, while full-year expenses should remain within $750 million to $760 million, probably closer to $757 million; fourth-quarter efficiency is expected to be 54% to 55%. Securities runoff will likely be reinvested, other fees are expected to have a $40 million run rate, and the tax rate is expected to come in right around 21% for the fourth quarter and right around 21% for the full year.
Glacier Bancorp Financial Statement Overview
Summary
Steady revenue growth and solid profitability (TTM net margin ~19.7%) support the profile, and leverage has improved materially (debt-to-equity ~0.51x). Offsetting these positives are margin compression versus 2021–2022 peak levels and volatile operating cash flow coverage, making cash conversion less consistent than ideal.
Income Statement
72PositiveBalance Sheet
68PositiveCash Flow
63Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.60B | 1.43B | 1.25B | 1.12B | 933.37M | 812.73M |
| Gross Profit | 1.21B | 983.04M | 781.72M | 774.64M | 872.14M | 771.10M |
| EBITDA | 593.39M | 374.82M | 267.97M | 304.75M | 406.77M | 381.48M |
| Net Income | 348.35M | 239.03M | 190.14M | 222.93M | 303.20M | 284.76M |
Balance Sheet | ||||||
| Total Assets | 32.29B | 31.98B | 27.90B | 27.74B | 26.64B | 25.94B |
| Cash, Cash Equivalents and Short-Term Investments | 7.92B | 4.33B | 4.55B | 6.14B | 5.71B | 9.61B |
| Total Debt | 2.21B | 2.90B | 3.79B | 4.44B | 2.96B | 1.20B |
| Total Liabilities | 27.95B | 27.76B | 24.68B | 24.72B | 23.79B | 22.76B |
| Stockholders Equity | 4.34B | 4.21B | 3.22B | 3.02B | 2.84B | 3.18B |
Cash Flow | ||||||
| Free Cash Flow | 291.67M | 347.55M | 209.76M | 451.43M | 436.90M | 562.61M |
| Operating Cash Flow | 332.13M | 374.40M | 258.04M | 500.71M | 470.66M | 572.05M |
| Investing Cash Flow | 909.19M | 1.06B | 493.14M | -207.49M | -1.35B | -3.91B |
| Financing Cash Flow | -1.11B | -1.05B | -1.26B | 659.12M | 845.43M | 3.14B |
Glacier Bancorp Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GBCI, the sentiment is Positive. The current price of 48.56 is above the 20-day moving average (MA) of 45.09, above the 50-day MA of 45.09, and above the 200-day MA of 47.09, indicating a bullish trend. The MACD of 1.13 indicates Negative momentum. The RSI at 69.17 is Neutral, neither overbought nor oversold. The STOCH value of 85.75 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GBCI.
Glacier Bancorp Risk Analysis
Glacier Bancorp disclosed 29 risk factors in its most recent earnings report. Glacier Bancorp reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksGlacier Bancorp Peers Comparison
Overall Rating
COLB75Outperform- GBCI71Outperform
WAFD70Outperform
FIBK67Neutral
HFWA67Neutral
BANR66Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| COLB | 75Outperform | $8.69B | 10.59 | 11.08% | 4.82% | 22.13% | 29.83% |
| GBCI | 71Outperform | $6.32B | 18.19 | 8.14% | 2.76% | 21.22% | 30.61% |
| WAFD | 70Outperform | $2.17B | 8.87 | 8.50% | 3.68% | 0.49% | 21.69% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| FIBK | 67Neutral | $3.59B | 11.69 | 9.49% | 4.99% | -8.97% | 35.06% |
| HFWA | 67Neutral | $1.16B | 14.09 | 7.32% | 3.41% | 21.51% | 20.75% |
| BANR | 66Neutral | $2.54B | 11.71 | 10.07% | 2.95% | 1.62% | 7.14% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GBCI | Glacier Bancorp | 48.56 | 9.07 | 22.97% | |
| BANR | Banner Corp. | 69.21 | 10.20 | 17.28% | |
| COLB | Columbia Banking System | 30.70 | 5.09 | 19.89% | |
| FIBK | First Interstate Bancsystem | 37.65 | 7.50 | 24.87% | |
| HFWA | Heritage Financial | 28.47 | 6.72 | 30.90% | |
| WAFD | Washington Federal | 29.35 | 0.80 | 2.79% |
Glacier Bancorp Corporate Events
Glacier Bancorp Announces Flexible $200 Million Buyback
PositiveOn October 29, 2026, Glacier Bancorp, Inc. announced that its Board of Directors had approved a new stock repurchase program authorizing the buyback of up to $200 million of the company’s outstanding common stock through December 31, 2027. The...
Glacier Bancorp Appoints Deputy CFO for Leadership Transition
PositiveOn August 27, 2026, Glacier Bancorp’s board appointed longtime treasury executive Byron Pollan as Senior Vice President and Deputy Chief Financial Officer of the company and Glacier Bank, with the role effective September 1, 2026. The move sets...
Glacier Bancorp Highlights Strategy and Growth Outlook
PositiveOn August 3, 2026, Glacier Bancorp, Inc. reported to investors on its strategy and performance, highlighting its ambition to remain the premier banking franchise in the Mountain West and Southwest by combining local decision-making with big-bank capa...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 30, 2026