GBCI
Glacier Bancorp, Inc.
Banks - Regional
Market Cap$6.35B
5Y Perf.+18.5%
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Stock Comparison
GBCI vs NWBI
Revenue, margins, valuation, and 5-year total return — side by side.
NWBI
Northwest Bancshares, Inc.
Banks - Regional
Market Cap$2.02B
5Y Perf.+38.9%
GBCI vs NWBI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | GBCI | NWBI |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $6.35B | $2.02B |
| Revenue (TTM) | $1.43B | $877M |
| Net Income (TTM) | $239M | $126M |
| Gross Margin | 69.0% | 68.3% |
| Operating Margin | 22.9% | 18.8% |
| Forward P/E | 15.8x | 10.2x |
| Total Debt | $2.90B | $446M |
| Cash & Equiv. | $322M | $234M |
GBCI vs NWBI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
GBCI
NWBI
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Glacier Bancorp, In… (GBCI) | 100 | 118.5 | +18.5% |
| Northwest Bancshare… (NWBI) | 100 | 138.9 | +38.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: GBCI vs NWBI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: NWBI leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Glacier Bancorp, Inc. is the stronger pick specifically for profitability and margin quality and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
GBCI
Glacier Bancorp, Inc.
The Banking Pick
GBCI is the clearest fit if your priority is long-term compounding.
- 145.4% 10Y total return vs NWBI's 52.3%
- Efficiency ratio 0.5% vs NWBI's 0.5% (lower = leaner)
- +21.8% vs NWBI's +18.3%
Best for: long-term compounding
NWBI
Northwest Bancshares, Inc.
The Banking Pick
NWBI carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.73, yield 5.4%
- Rev growth 16.3%, EPS growth 16.5%
- Lower volatility, beta 0.73, Low D/E 23.6%, current ratio 0.13x
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | NWBI | 16.3% NII/revenue growth vs GBCI's 14.5% |
| Value | NWBI | Lower P/E (10.2x vs 15.8x) |
| Quality / Margins | GBCI | Efficiency ratio 0.5% vs NWBI's 0.5% (lower = leaner) |
| Stability / Safety | NWBI | Beta 0.73 vs GBCI's 1.17, lower leverage |
| Dividends | NWBI | 5.4% yield, vs GBCI's 2.6% |
| Momentum (1Y) | GBCI | +21.8% vs NWBI's +18.3% |
| Efficiency (ROA) | GBCI | Efficiency ratio 0.5% vs NWBI's 0.5% |
GBCI vs NWBI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
GBCI vs NWBI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLNWBILAGGINGGBCI
GBCIGlacier Bancorp, Inc.
2leads
NWBINorthwest Bancshares,…
4leads
6 Total Categories
CATEGORYLEADERvs GBCIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
GBCI4/5
Valuation MetricsMultiples, price ratios, and targets
NWBI6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
NWBI7/8
Total Returns1Y, 3Y, 5Y total returns with dividends
GBCI4/6
Risk & VolatilityBeta, volatility, and downside exposure
NWBI2/2
Analyst OutlookRatings, price targets, and dividends
NWBI1/1
Income & Cash Flow (Last 12 Months)
GBCI leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
GBCI is the larger business by revenue, generating $1.4B annually — 1.6x NWBI's $877M. Profitability is closely matched — net margins range from 16.8% (GBCI) to 14.4% (NWBI).
| Metric | GBCIGlacier Bancorp, … | NWBINorthwest Bancsha… |
|---|---|---|
| RevenueTrailing 12 months | $1.4B | $877M |
| EBITDAEarnings before interest/tax | $365M | $166M |
| Net IncomeAfter-tax profit | $239M | $126M |
| Free Cash FlowCash after capex | $337M | $142M |
| Gross MarginGross profit ÷ Revenue | +69.0% | +68.3% |
| Operating MarginEBIT ÷ Revenue | +22.9% | +18.8% |
| Net MarginNet income ÷ Revenue | +16.8% | +14.4% |
| FCF MarginFCF ÷ Revenue | +24.4% | +16.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -9.3% | +19.2% |
GBCI leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
NWBI leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 15.0x trailing earnings, NWBI trades at a 39% valuation discount to GBCI's 24.5x P/E. On an enterprise value basis, NWBI's 13.6x EV/EBITDA is more attractive than GBCI's 24.4x.
| Metric | GBCIGlacier Bancorp, … | NWBINorthwest Bancsha… |
|---|---|---|
| Market CapShares × price | $6.3B | $2.0B |
| Enterprise ValueMkt cap + debt − cash | $8.9B | $2.2B |
| Trailing P/EPrice ÷ TTM EPS | 24.52x | 15.03x |
| Forward P/EPrice ÷ next-FY EPS est. | 15.81x | 10.20x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.83x |
| EV / EBITDAEnterprise value multiple | 24.45x | 13.57x |
| Price / SalesMarket cap ÷ Revenue | 4.45x | 2.31x |
| Price / BookPrice ÷ Book value/share | 1.51x | 1.07x |
| Price / FCFMarket cap ÷ FCF | 18.26x | 14.27x |
NWBI leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
NWBI leads this category, winning 7 of 8 comparable metrics.
Profitability & Efficiency
NWBI delivers a 7.2% return on equity — every $100 of shareholder capital generates $7 in annual profit, vs $7 for GBCI. NWBI carries lower financial leverage with a 0.24x debt-to-equity ratio, signaling a more conservative balance sheet compared to GBCI's 0.69x.
| Metric | GBCIGlacier Bancorp, … | NWBINorthwest Bancsha… |
|---|---|---|
| ROE (TTM)Return on equity | +6.5% | +7.2% |
| ROA (TTM)Return on assets | +0.8% | +0.8% |
| ROICReturn on invested capital | +3.5% | +5.6% |
| ROCEReturn on capital employed | +1.7% | +6.8% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 7 |
| Debt / EquityFinancial leverage | 0.69x | 0.24x |
| Net DebtTotal debt minus cash | $2.6B | $213M |
| Cash & Equiv.Liquid assets | $322M | $234M |
| Total DebtShort + long-term debt | $2.9B | $446M |
| Interest CoverageEBIT ÷ Interest expense | 0.80x | 0.73x |
NWBI leads this category, winning 7 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
GBCI leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in NWBI five years ago would be worth $12,663 today (with dividends reinvested), compared to $9,074 for GBCI. Over the past 12 months, GBCI leads with a +21.8% total return vs NWBI's +18.3%. The 3-year compound annual growth rate (CAGR) favors GBCI at 22.7% vs NWBI's 16.0% — a key indicator of consistent wealth creation.
| Metric | GBCIGlacier Bancorp, … | NWBINorthwest Bancsha… |
|---|---|---|
| YTD ReturnYear-to-date | +10.0% | +18.8% |
| 1-Year ReturnPast 12 months | +21.8% | +18.3% |
| 3-Year ReturnCumulative with dividends | +84.8% | +56.2% |
| 5-Year ReturnCumulative with dividends | -9.3% | +26.6% |
| 10-Year ReturnCumulative with dividends | +145.4% | +52.3% |
| CAGR (3Y)Annualised 3-year return | +22.7% | +16.0% |
GBCI leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
NWBI leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
NWBI is the less volatile stock with a 0.73 beta — it tends to amplify market swings less than GBCI's 1.17 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NWBI currently trades 97.0% from its 52-week high vs GBCI's 90.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | GBCIGlacier Bancorp, … | NWBINorthwest Bancsha… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.17x | 0.73x |
| 52-Week HighHighest price in past year | $53.99 | $14.26 |
| 52-Week LowLowest price in past year | $39.90 | $11.25 |
| % of 52W HighCurrent price vs 52-week peak | +90.4% | +97.0% |
| RSI (14)Momentum oscillator 0–100 | 60.6 | 64.4 |
| Avg Volume (50D)Average daily shares traded | 872K | 1.3M |
NWBI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
NWBI leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates GBCI as "Buy" and NWBI as "Hold". Consensus price targets imply 17.5% upside for GBCI (target: $57) vs 6.1% for NWBI (target: $15). For income investors, NWBI offers the higher dividend yield at 5.42% vs GBCI's 2.56%.
| Metric | GBCIGlacier Bancorp, … | NWBINorthwest Bancsha… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $57.33 | $14.67 |
| # AnalystsCovering analysts | 14 | 14 |
| Dividend YieldAnnual dividend ÷ price | +2.6% | +5.4% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $1.25 | $0.75 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
NWBI leads this category, winning 1 of 1 comparable metric.
Key Takeaway
NWBI leads in 4 of 6 categories (Valuation Metrics, Profitability & Efficiency). GBCI leads in 2 (Income & Cash Flow, Total Returns).
Best OverallNorthwest Bancshares, Inc. (NWBI)Leads 4 of 6 categories
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GBCI vs NWBI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is GBCI or NWBI a better buy right now?
For growth investors, Northwest Bancshares, Inc.
(NWBI) is the stronger pick with 16. 3% revenue growth year-over-year, versus 14. 5% for Glacier Bancorp, Inc. (GBCI). Northwest Bancshares, Inc. (NWBI) offers the better valuation at 15. 0x trailing P/E (10. 2x forward), making it the more compelling value choice. Analysts rate Glacier Bancorp, Inc. (GBCI) a "Buy" — based on 14 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — GBCI or NWBI?
On trailing P/E, Northwest Bancshares, Inc.
(NWBI) is the cheapest at 15. 0x versus Glacier Bancorp, Inc. at 24. 5x. On forward P/E, Northwest Bancshares, Inc. is actually cheaper at 10. 2x.
03Which is the better long-term investment — GBCI or NWBI?
Over the past 5 years, Northwest Bancshares, Inc.
(NWBI) delivered a total return of +26. 6%, compared to -9. 3% for Glacier Bancorp, Inc. (GBCI). Over 10 years, the gap is even starker: GBCI returned +145. 4% versus NWBI's +52. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — GBCI or NWBI?
By beta (market sensitivity over 5 years), Northwest Bancshares, Inc.
(NWBI) is the lower-risk stock at 0. 73β versus Glacier Bancorp, Inc. 's 1. 17β — meaning GBCI is approximately 60% more volatile than NWBI relative to the S&P 500. On balance sheet safety, Northwest Bancshares, Inc. (NWBI) carries a lower debt/equity ratio of 24% versus 69% for Glacier Bancorp, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — GBCI or NWBI?
By revenue growth (latest reported year), Northwest Bancshares, Inc.
(NWBI) is pulling ahead at 16. 3% versus 14. 5% for Glacier Bancorp, Inc. (GBCI). On earnings-per-share growth, the picture is similar: Glacier Bancorp, Inc. grew EPS 18. 5% year-over-year, compared to 16. 5% for Northwest Bancshares, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — GBCI or NWBI?
Glacier Bancorp, Inc.
(GBCI) is the more profitable company, earning 16. 8% net margin versus 14. 4% for Northwest Bancshares, Inc. — meaning it keeps 16. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: GBCI leads at 22. 9% versus 18. 8% for NWBI. At the gross margin level — before operating expenses — GBCI leads at 69. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is GBCI or NWBI more undervalued right now?
On forward earnings alone, Northwest Bancshares, Inc.
(NWBI) trades at 10. 2x forward P/E versus 15. 8x for Glacier Bancorp, Inc. — 5. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for GBCI: 17. 5% to $57. 33.
08Which pays a better dividend — GBCI or NWBI?
All stocks in this comparison pay dividends.
Northwest Bancshares, Inc. (NWBI) offers the highest yield at 5. 4%, versus 2. 6% for Glacier Bancorp, Inc. (GBCI).
09Is GBCI or NWBI better for a retirement portfolio?
For long-horizon retirement investors, Northwest Bancshares, Inc.
(NWBI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 73), 5. 4% yield). Both have compounded well over 10 years (NWBI: +52. 3%, GBCI: +145. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between GBCI and NWBI?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: GBCI is a small-cap quality compounder stock; NWBI is a small-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
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(GBCI: 14.5% · NWBI: 16.3%)Net Margin>
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(GBCI: 16.8% · NWBI: 14.4%)P/E Ratio<
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