Glacier Bancorp, Inc. (GBCI) AI Stock Analysis

Glacier Bancorp, Inc. is a bank holding company that operates Glacier Bank, providing commercial banking services to personal and business clients across the United States. Founded in 1955 and headquartered in Kalispell, Montana, the bank provides non-interest and interest-bearing deposit accounts, residential real estate loans, land acquisition and development financing, and commercial real estate lending. It also offers consumer loans backed by real estate and automobiles. Glacier Bancorp has recently added cryptocurrency services to address digital asset demand while navigating related compliance and market volatility.

Glacier Bancorp increased revenue from $812.7M in FY2021 to $1.43B in FY2025, reflecting a 5-year revenue CAGR of 12.5%. During that span, annual net income moved from $284.8M in FY2021 to a low of $190.1M in FY2024 before rebounding to $239.0M in FY2025 with a net margin of 16.8%. Operating margins were 43.0% in FY2021, fell to 18.2% in FY2024, and reached 22.9% in FY2025. In the latest quarter ended June 30, 2026, quarterly revenue grew 41.5% year-over-year, and quarterly earnings rose 66.7% year-over-year.

As of June 30, 2026, Glacier Bancorp held $353.7M in cash and short-term investments against $2.19B in total debt, resulting in net debt of $1.84B. Total assets stood at $31.60B and shareholders' equity was $4.31B, yielding a debt-to-equity ratio of 0.51 and a current ratio of 0.24. In FY2025, operating cash flow was $374.4M and free cash flow was $347.6M. Capital expenditures were $26.8M, while dividend payments totaled $162.7M. The share count increased by 17.7% over 5 years.

Glacier Bancorp trades at a trailing P/E of 18.0x and a forward P/E of 21.4x, higher than the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. The company carries a price-to-sales ratio of 5.1x versus the peer median of 3.2x, and a price-to-book ratio of 1.3x. Over the past year, GBCI generated a return of 0.2% compared to 16.8% for the S&P 500 (SPY). Over 5 years, the stock returned -5.0% against an 83.0% gain for the benchmark.

Glacier Bancorp pays a quarterly dividend totaling an annualized forward payout of $1.40 per share, which corresponds to a 3.19% dividend yield. The company's payout ratio is 50.9%, and it has maintained 42 consecutive years of dividend payments. Its 5-year annualized dividend growth rate stands at -0.9%. The most recent ex-dividend date occurred on October 6, 2026.

Wall Street coverage includes 2 Strong Buy, 3 Buy, and 1 Hold ratings. The mean price target is $55.33, implying upside of 26.2% over the last close of $43.83. For the fiscal year ending December 31, 2026, analysts forecast an EPS of $3.11, representing 39.0% growth, on revenue of $1.30B. Glacier Bancorp has beaten EPS estimates in 1 of the last 4 quarters, and the next earnings date is October 22, 2026.

This page is an AI-written research summary of Glacier Bancorp, Inc. (GBCI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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