Glacier Bancorp Financials

GBCI Stock  USD 44.51  0.82  1.81%   
Based on the analysis of Glacier Bancorp's profitability, liquidity, and operating efficiency, Glacier Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. As of now, Glacier Bancorp's Property Plant And Equipment Net is increasing as compared to previous years. The Glacier Bancorp's current Net Debt is estimated to increase to about 1.2 B, while Common Stock Shares Outstanding is projected to decrease to under 56.8 M. Key indicators impacting Glacier Bancorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.220.1668
Significantly Up
Pretty Stable
Return On Assets0.00650.0068
Notably Down
Pretty Stable
Return On Equity0.0560.059
Notably Down
Pretty Stable
Debt Equity Ratio0.590.6255
Notably Down
Pretty Stable
Operating Income1.2 B1.1 B
Sufficiently Up
Slightly volatile
Current Ratio473644
Way Down
Pretty Stable
The financial analysis of Glacier Bancorp is a critical element in measuring its lifeblood. Investors should not minimize Glacier Bancorp's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

199.65 Million

  
Understanding current and past Glacier Bancorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Glacier Bancorp's financial statements are interrelated, with each one affecting the others. For example, an increase in Glacier Bancorp's assets may result in an increase in income on the income statement.

Glacier Bancorp Stock Summary

Glacier Bancorp competes with CVB Financial, Columbia Banking, First Financial, BancFirst, and BOK Financial. 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. The company was founded in 1955 and is headquartered in Kalispell, Montana. Glacier Bancorp operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 3396 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS37637Q1058
CUSIP37637Q105 376376109
LocationMontana; U.S.A
Business Address49 Commons Loop,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.glacierbancorp.com
Phone406 756 4200
CurrencyUSD - US Dollar

Glacier Bancorp Key Financial Ratios

Glacier Bancorp Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets18.5B25.9B26.6B27.7B27.9B29.3B
Other Current Liab(3.3M)(2.4M)(4.3M)(125.9M)(113.3M)(107.7M)
Net Debt(460.1M)(261.0M)1.6B1.6B1.2B1.2B
Retained Earnings667.9M810.3M967.0M1.0B1.1B1.1B
Accounts Payable3.3M2.4M4.3M125.9M33.6M35.3M
Cash633.1M437.7M402.0M1.4B268.7M212.4M
Other Assets6.0B4.5B10.3B33.5M4.4B6.8B
Net Receivables75.5M76.7M83.5M94.5M17.2B18.0B
Total Liab16.2B22.8B23.8B24.7B24.7B25.9B
Total Current Assets6.0B9.7B5.8B1.4B21.7B22.8B
Short Term Debt1.0B1.0B2.8B4.2B4.9B5.1B
Other Current Assets710.4M514.4M485.6M1.5B1.7B2.3B
Common Stock954K1.1M1.1M1.1M1.1M708.1K
Other Liab121.1M218.7M225.9M178.4M205.2M215.4M
Long Term Debt173.0M176.7M2.0B3.0B2.0B2.1B
Good Will289.6M456.4M514.0M985.4M1.1B1.1B
Inventory(710.4M)(514.4M)(485.6M)(17.5B)(15.7B)(14.9B)
Intangible Assets55.5M52.3M41.6M31.9M51.2M35.0M
Net Tangible Assets1.4B1.7B2.1B1.8B2.1B1.3B
Long Term Debt Total168.7M173.0M176.7M210.1M241.6M165.6M
Capital Surpluse1.4B1.5B2.3B2.3B2.7B2.8B

Glacier Bancorp Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense27.3M18.6M41.3M326.0M435.2M457.0M
Operating Income328.0M349.4M437.4M380.0M1.1B1.2B
Ebit328.0M349.4M370.3M267.6M307.7M323.1M
Ebitda358.8M381.5M406.8M304.8M350.5M368.0M
Net Income266.4M284.8M303.2M222.9M190.1M199.7M
Income Tax Expense61.6M64.7M67.1M44.7M36.2M23.3M
Total Revenue727.8M778.9M885.0M789.4M1.1B1.2B
Gross Profit727.8M778.9M885.0M787.5M1.1B1.2B
Income Before Tax328.0M349.4M370.3M267.6M226.3M119.3M
Tax Provision61.6M64.7M67.1M54.6M36.2M56.3M
Net Interest Income599.7M662.5M788.4M729.3M704.6M590.9M
Interest Income627.1M681.1M829.6M969.2M1.1B693.1M

Glacier Bancorp Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash302.2M(195.5M)(35.7M)952.3M72.5M45.1M
Free Cash Flow177.8M562.6M447.4M451.4M224.7M124.3M
Depreciation30.8M32.0M36.5M37.1M41.7M43.7M
Other Non Cash Items(70.2M)247.3M146.4M141.7M32.8M50.5M
Dividends Paid131.3M145.6M157.5M146.7M32.6M49.4M
Capital Expenditures11.7M9.4M23.2M49.3M48.3M33.9M
Net Income266.4M284.8M303.2M222.9M190.1M199.7M
End Period Cash Flow633.1M437.7M402.0M1.4B173.3M213.3M
Change To Netincome(42.1M)(43.9M)199.7M104.9M120.6M126.6M
Investments(3.6B)(5.5B)(1.3B)(232.2M)493.1M517.8M
Change Receivables1.9M(17.7M)5.1M(6.9M)(6.2M)(5.9M)
Net Borrowings(219.8M)389.5M19.7M1.7B2.0B2.1B

Glacier Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Glacier Bancorp's current stock value. Our valuation model uses many indicators to compare Glacier Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Glacier Bancorp competition to find correlations between indicators driving Glacier Bancorp's intrinsic value. More Info.
Glacier Bancorp is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.11  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Glacier Bancorp is roughly  8.96 . As of now, Glacier Bancorp's Return On Equity is decreasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Glacier Bancorp's earnings, one of the primary drivers of an investment's value.

Glacier Bancorp Systematic Risk

Glacier Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Glacier Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Glacier Bancorp correlated with the market. If Beta is less than 0 Glacier Bancorp generally moves in the opposite direction as compared to the market. If Glacier Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Glacier Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Glacier Bancorp is generally in the same direction as the market. If Beta > 1 Glacier Bancorp moves generally in the same direction as, but more than the movement of the benchmark.

Glacier Bancorp Thematic Clasifications

Glacier Bancorp is part of Banks investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. All money banks and credit services. Large and small money and credit banks and credit services
BanksView
This theme covers All money banks and credit services. Large and small money and credit banks and credit services. Get More Thematic Ideas
Today, most investors in Glacier Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Glacier Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Glacier Bancorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(1.73)

As of now, Glacier Bancorp's Price Earnings To Growth Ratio is decreasing as compared to previous years.

Glacier Bancorp March 21, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Glacier Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Glacier Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Glacier Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Glacier Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Glacier Bancorp's daily price indicators and compare them against related drivers.

Complementary Tools for Glacier Stock analysis

When running Glacier Bancorp's price analysis, check to measure Glacier Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Glacier Bancorp is operating at the current time. Most of Glacier Bancorp's value examination focuses on studying past and present price action to predict the probability of Glacier Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Glacier Bancorp's price. Additionally, you may evaluate how the addition of Glacier Bancorp to your portfolios can decrease your overall portfolio volatility.
Money Managers
Screen money managers from public funds and ETFs managed around the world
Portfolio Holdings
Check your current holdings and cash postion to detemine if your portfolio needs rebalancing
Competition Analyzer
Analyze and compare many basic indicators for a group of related or unrelated entities
Cryptocurrency Center
Build and monitor diversified portfolio of extremely risky digital assets and cryptocurrency
Portfolio Center
All portfolio management and optimization tools to improve performance of your portfolios
Equity Forecasting
Use basic forecasting models to generate price predictions and determine price momentum
Positions Ratings
Determine portfolio positions ratings based on digital equity recommendations. Macroaxis instant position ratings are based on combination of fundamental analysis and risk-adjusted market performance