8-K Announcements
6Apr 23, 2026·SEC
Feb 11, 2026·SEC
Feb 9, 2026·SEC
Glacier Bancorp, Inc. (GBCI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Glacier Bancorp, Inc. (GBCI) stock price & volume — 10-year historical chart
Glacier Bancorp, Inc. (GBCI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Glacier Bancorp, Inc. (GBCI) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.70vs $0.67+4.5% | $307Mvs $308M-0.5% |
| Q1 2026 | Jan 22, 2026 | $0.49vs $0.59-16.9% | $307Mvs $305M+0.6% |
| Q4 2025 | Oct 16, 2025 | $0.62vs $0.61+1.6% | $261Mvs $260M+0.3% |
| Q3 2025 | Jul 24, 2025 | $0.45vs $0.47-4.3% | $235Mvs $260M-9.9% |
Glacier Bancorp, Inc. (GBCI) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
Glacier Bancorp, Inc. (GBCI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Glacier Bancorp, Inc. (GBCI) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 345.16M | 433.46M | 503.4M | 599.75M | 662.52M | 788.38M | 691.68M | 704.63M | 889.04M |
| NII Growth % | 9.74% | 25.58% | 16.13% | 19.14% | 10.47% | 19% | -12.27% | 1.87% | 26.17% |
| Net Interest Margin % | 3.56% | 3.58% | 3.68% | 3.24% | 2.55% | 2.96% | 2.49% | 2.53% | 2.78% |
| Interest Income | 375.02M | 469M | 546.18M | 627.06M | 681.07M | 829.64M | 1.02B | 1.14B | 1.3B |
| Interest Expense | 29.86M | 35.53M | 42.77M | 27.32M | 18.56M | 41.26M | 325.97M | 435.22M | 406.76M |
| Loan Loss Provision | 10.82M | 9.95M | 57K | 39.77M | 23.08M | 19.96M | 14.79M | 28.31M | 35.74M |
| Non-Interest Income | 100.25M | 110.26M | 107.14M | 163.01M | 131.66M | 103.73M | 97.75M | 105.39M | 129.74M |
| Non-Interest Income % | 21.09% | 19.03% | 16.4% | 20.63% | 16.2% | 11.11% | 8.76% | 8.46% | 9.1% |
| Total Revenue | 475.27M▲ 0% | 579.25M▲ 21.9% | 653.32M▲ 12.8% | 790.08M▲ 20.9% | 812.73M▲ 2.9% | 933.37M▲ 14.8% | 1.12B▲ 19.5% | 1.25B▲ 11.6% | 1.43B▲ 14.5% |
| Revenue Growth % | 8.38% | 21.88% | 12.79% | 20.93% | 2.87% | 14.84% | 19.5% | 11.64% | 14.48% |
| Non-Interest Expense | 253.58M | 311.56M | 351.29M | 394.96M | 421.66M | 501.86M | 507.03M | 555.42M | 657.13M |
| Efficiency Ratio | 53.36% | 53.79% | 53.77% | 49.99% | 51.88% | 53.77% | 45.46% | 44.6% | 46.1% |
| Operating Income | 181M▲ 0% | 222.21M▲ 22.8% | 259.19M▲ 16.6% | 328.04M▲ 26.6% | 349.44M▲ 6.5% | 370.28M▲ 6.0% | 267.61M▼ 27.7% | 226.3M▼ 15.4% | 325.91M▲ 44.0% |
| Operating Margin % | 38.08% | 38.36% | 39.67% | 41.52% | 43% | 39.67% | 23.99% | 18.17% | 22.86% |
| Operating Income Growth % | 12.57% | 22.77% | 16.64% | 26.56% | 6.52% | 5.96% | -27.73% | -15.43% | 44.01% |
| Pretax Income | 181M▲ 0% | 222.21M▲ 22.8% | 259.19M▲ 16.6% | 328.04M▲ 26.6% | 349.44M▲ 6.5% | 370.28M▲ 6.0% | 267.61M▼ 27.7% | 226.3M▼ 15.4% | 290.25M▲ 28.3% |
| Pretax Margin % | 38.08% | 38.36% | 39.67% | 41.52% | 43% | 39.67% | 23.99% | 18.17% | 20.36% |
| Income Tax | 64.63M | 40.33M | 48.65M | 61.64M | 64.68M | 67.08M | 44.68M | 36.16M | 51.22M |
| Effective Tax Rate % | 35.7% | 18.15% | 18.77% | 18.79% | 18.51% | 18.12% | 16.7% | 15.98% | 17.65% |
| Net Income | 116.38M▲ 0% | 181.88M▲ 56.3% | 210.54M▲ 15.8% | 266.4M▲ 26.5% | 284.76M▲ 6.9% | 303.2M▲ 6.5% | 222.93M▼ 26.5% | 190.14M▼ 14.7% | 239.03M▲ 25.7% |
| Net Margin % | 24.49% | 31.4% | 32.23% | 33.72% | 35.04% | 32.48% | 19.99% | 15.27% | 16.77% |
| Net Income Growth % | -3.92% | 56.28% | 15.76% | 26.53% | 6.89% | 6.48% | -26.48% | -14.71% | 25.71% |
| Net Income (Continuing) | 116.38M | 181.88M | 210.54M | 266.4M | 284.76M | 303.2M | 222.93M | 190.14M | 239.03M |
| EPS (Diluted) | 1.75▲ 0% | 2.17▲ 24.0% | 2.38▲ 9.7% | 2.81▲ 18.1% | 2.86▲ 1.8% | 2.74▼ 4.2% | 2.01▼ 26.6% | 1.68▼ 16.4% | 1.99▲ 18.5% |
| EPS Growth % | 10.06% | 24% | 9.68% | 18.07% | 1.78% | -4.2% | -26.64% | -16.42% | 18.45% |
| EPS (Basic) | 1.75 | 2.18 | 2.39 | 2.81 | 2.87 | 2.74 | 2.01 | 1.68 | 2.00 |
| Diluted Shares Outstanding | 77.61M | 83.68M | 88.39M | 94.93M | 99.4M | 110.83M | 110.89M | 113.24M | 130.15M |
Glacier Bancorp, Inc. (GBCI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1.98B | 2.78B | 2.91B | 5.97B | 9.61B | 5.71B | 6.14B | 4.55B | 4.33B |
| Cash & Due from Banks | 200M | 203.79M | 330.96M | 633.14M | 437.69M | 402M | 1.35B | 848.41M | 321.53M |
| Short Term Investments | 1.78B | 2.57B | 2.58B | 5.34B | 9.17B | 5.31B | 4.79B | 3.71B | 4.01B |
| Total Investments | 8.94B | 11.09B | 12.27B | 16.67B | 23.7B | 24.18B | 24.32B | 24.73B | 4.05B |
| Investments Growth % | 2.16% | 23.97% | 10.66% | 35.86% | 42.18% | 2.03% | 0.58% | 1.67% | -83.62% |
| Long-Term Investments | 7.17B | 8.52B | 9.69B | 11.33B | 14.53B | 18.87B | 19.54B | 21.02B | 42.76M |
| Accounts Receivables | 44.46M | 54.41M | 56.05M | 75.5M | 76.67M | 83.54M | 94.53M | 99.26M | 20.79B |
| Goodwill & Intangibles | 192M | 338.83M | 519.7M | 569.52M | 1.04B | 1.03B | 1.02B | 1.1B | 1.48B |
| Goodwill | 177.81M | 289.59M | 456.42M | 514.01M | 985.39M | 985.39M | 985.39M | 1.05B | 1.38B |
| Intangible Assets | 14.18M | 49.24M | 63.29M | 55.51M | 52.26M | 41.6M | 31.87M | 51.18M | 105.27M |
| PP&E (Net) | 177.35M | 241.53M | 310.31M | 325.33M | 372.6M | 398.1M | 421.79M | 468.22M | 561.76M |
| Other Assets | 110.67M | 166.45M | 195.94M | 232.01M | 288.15M | 350.34M | 373.74M | 517.05M | 0 |
| Total Current Assets | 2.02B | 2.83B | 2.96B | 6.05B | 9.69B | 5.79B | 6.23B | 4.65B | 25.12B |
| Total Non-Current Assets | 7.68B | 9.29B | 10.72B | 12.46B | 16.26B | 20.84B | 21.51B | 23.25B | 2.19B |
| Total Assets | 9.71B▲ 0% | 12.12B▲ 24.8% | 13.68B▲ 12.9% | 18.5B▲ 35.2% | 25.94B▲ 40.2% | 26.64B▲ 2.7% | 27.74B▲ 4.2% | 27.9B▲ 0.6% | 31.98B▲ 14.6% |
| Asset Growth % | 2.71% | 24.82% | 12.95% | 35.23% | 40.19% | 2.68% | 4.16% | 0.58% | 14.6% |
| Return on Assets (ROA) | 1.21% | 1.67% | 1.63% | 1.66% | 1.28% | 1.15% | 0.82% | 0.68% | 0.8% |
| Accounts Payable | 3.45M | 4.25M | 4.69M | 3.31M | 2.41M | 4.33M | 125.91M | 33.63M | 0 |
| Total Debt | 850.93M | 985.09M | 777.17M | 1.18B | 1.2B | 2.96B | 4.44B | 3.79B | 2.9B |
| Net Debt | 650.92M | 781.29M | 446.21M | 544.47M | 759.82M | 2.55B | 3.09B | 2.95B | 2.58B |
| Long-Term Debt | 488.35M | 588.93M | 207.34M | 173.03M | 176.71M | 2.01B | 2.95B | 2.02B | 291.83M |
| Short-Term Debt | 362.57M | 396.15M | 569.82M | 1B | 1.02B | 945.92M | 1.49B | 1.78B | 2.52B |
| Other Liabilities | 73.17M | 116.53M | 164.95M | 194.86M | 225.86M | 225.19M | 225.79M | 304.59M | 27.31B |
| Total Current Liabilities | 7.95B | 9.89B | 11.35B | 15.81B | 22.36B | 21.56B | 21.54B | 22.36B | 81.68M |
| Total Non-Current Liabilities | 561.52M | 705.46M | 372.3M | 391.75M | 402.57M | 2.24B | 3.18B | 2.32B | 27.68B |
| Total Liabilities | 8.51B | 10.6B | 11.72B | 16.2B | 22.76B | 23.79B | 24.72B | 24.68B | 27.76B |
| Total Equity | 1.2B▲ 0% | 1.52B▲ 26.4% | 1.96B▲ 29.3% | 2.31B▲ 17.7% | 3.18B▲ 37.7% | 2.84B▼ 10.5% | 3.02B▲ 6.2% | 3.22B▲ 6.7% | 4.21B▲ 30.7% |
| Equity Growth % | 7.36% | 26.42% | 29.35% | 17.66% | 37.74% | -10.52% | 6.22% | 6.74% | 30.71% |
| Equity / Assets (Capital Ratio) | 12.35% | 12.51% | 14.33% | 12.47% | 12.25% | 10.67% | 10.89% | 11.55% | 13.18% |
| Return on Equity (ROE) | 10.05% | 13.4% | 12.11% | 12.48% | 10.38% | 10.07% | 7.6% | 6.09% | 6.43% |
| Book Value per Share | 15.45 | 18.12 | 22.18 | 24.30 | 31.97 | 25.66 | 27.24 | 28.47 | 32.38 |
| Tangible BV per Share | 12.98 | 14.07 | 16.30 | 18.30 | 21.53 | 16.39 | 18.06 | 18.73 | 20.98 |
| Common Stock | 780K | 845K | 923K | 954K | 1.11M | 1.11M | 1.11M | 1.13M | 1.3M |
| Additional Paid-in Capital | 798M | 1.05B | 1.38B | 1.5B | 2.34B | 2.34B | 2.35B | 2.45B | 3.22B |
| Retained Earnings | 402.26M | 473.18M | 541.05M | 667.94M | 810.34M | 966.98M | 1.04B | 1.08B | 1.16B |
| Accumulated OCI | -1.98M | -9.43M | 40.23M | 143.09M | 27.36M | -468.79M | -374.11M | -309.3M | -167.11M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Glacier Bancorp, Inc. (GBCI) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 254.74M | 280.71M | 226.65M | 189.54M | 572.05M | 470.66M | 500.71M | 258.04M | 374.4M |
| Operating CF Growth % | 31.93% | 10.19% | -19.26% | -16.37% | 201.8% | -17.72% | 6.39% | -48.47% | 45.1% |
| Net Income | 116.38M | 181.88M | 210.54M | 266.4M | 284.76M | 303.2M | 222.93M | 190.14M | 239.03M |
| Depreciation & Amortization | 17.25M | 22.29M | 27.08M | 30.79M | 32.04M | 36.49M | 37.14M | 41.66M | 33.03M |
| Deferred Taxes | 25.89M | 6.86M | -356K | -6.86M | -9.1M | 2.18M | 507K | 2.61M | -4.07M |
| Other Non-Cash Items | 93.36M | 56.94M | -25.63M | -70.16M | 247.33M | 143.31M | 141.88M | 104.9M | 106.54M |
| Working Capital Changes | -1.09M | 9.62M | 7.54M | -34.26M | 12.67M | -19.88M | 92.33M | -86.97M | -6.48M |
| Cash from Investing | 23.66M | -872.42M | -42.68M | -3.56B | -3.91B | -1.35B | -207.49M | 493.14M | 1.06B |
| Purchase of Investments | -122.15M | -946.26M | -1.32B | -3.34B | -6.56B | -1.47B | -585.32M | -352.89M | -1.19B |
| Sale/Maturity of Investments | 788.24M | 748.77M | 1.6B | 868.23M | 1.51B | 2.01B | 1.49B | 1.2B | 2.57B |
| Net Investment Activity | 666.09M | -197.49M | 279.39M | -2.47B | -5.05B | 531.88M | 907.02M | 848.25M | 1.37B |
| Acquisitions | -4.09M | 101.27M | 62.98M | 43.71M | 1.62B | 0 | 0 | 107.68M | 210.34M |
| Other Investing | -628.22M | -757.56M | -368.66M | -1.13B | -465.7M | -1.85B | -1.06B | -414.51M | -491.4M |
| Cash from Financing | -230.93M | 595.5M | -56.8M | 3.68B | 3.14B | 845.43M | 659.12M | -1.26B | -1.05B |
| Dividends Paid | -111.72M | -85.49M | -124.47M | -131.26M | -145.56M | -157.54M | -146.69M | -150.03M | -162.74M |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | -1.79M | -1.63M | 0 |
| Stock Issued | 0 | 0 | 0 | 993K | 265K | 140K | 0 | 0 | 1.06M |
| Net Stock Activity | 0 | 0 | 0 | 993K | 265K | 140K | -1.79M | -1.63M | 1.06M |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | -1000K | -1000K |
| Other Financing | -202M | 603.46M | 459.72M | 3.84B | 3.28B | -806.29M | -135.72M | -108.25M | 252.55M |
| Net Change in Cash | 47.46M▲ 0% | 3.79M▼ 92.0% | 127.17M▲ 3259.0% | 302.18M▲ 137.6% | -195.46M▼ 164.7% | -35.69M▲ 81.7% | 952.35M▲ 2768.3% | -505.93M▼ 153.1% | 386.85M▲ 176.5% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 152.54M | 200M | 203.79M | 330.96M | 633.14M | 437.69M | 402M | 1.35B | 848.41M |
| Cash at End | 200M | 203.79M | 330.96M | 633.14M | 437.69M | 402M | 1.35B | 848.41M | 1.24B |
| Interest Paid | 30M | 35.17M | 42.46M | 28.82M | 19.78M | 39.34M | 204.4M | 528.91M | 413.59M |
| Income Taxes Paid | 40.22M | 26.49M | 36.82M | 63.02M | 67.31M | 55.2M | 27.93M | 15.6M | 32.16M |
| Free Cash Flow | 244.61M▲ 0% | 262.07M▲ 7.1% | 210.25M▼ 19.8% | 177.83M▼ 15.4% | 562.61M▲ 216.4% | 436.9M▼ 22.3% | 451.43M▲ 3.3% | 209.76M▼ 53.5% | 347.55M▲ 65.7% |
| FCF Growth % | 32.38% | 7.14% | -19.77% | -15.42% | 216.38% | -22.35% | 3.33% | -53.53% | 65.69% |
Glacier Bancorp, Inc. (GBCI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 11.04% | 10.05% | 13.4% | 12.11% | 12.48% | 10.38% | 10.07% | 7.6% | 6.09% | 6.43% |
| Return on Assets (ROA) | 1.31% | 1.21% | 1.67% | 1.63% | 1.66% | 1.28% | 1.15% | 0.82% | 0.68% | 0.8% |
| Net Interest Margin | 3.33% | 3.56% | 3.58% | 3.68% | 3.24% | 2.55% | 2.96% | 2.49% | 2.53% | 2.78% |
| Efficiency Ratio | 56.04% | 53.36% | 53.79% | 53.77% | 49.99% | 51.88% | 53.77% | 45.46% | 44.6% | 46.1% |
| Equity / Assets | 11.82% | 12.35% | 12.51% | 14.33% | 12.47% | 12.25% | 10.67% | 10.89% | 11.55% | 13.18% |
| Book Value / Share | 14.63 | 15.45 | 18.12 | 22.18 | 24.3 | 31.97 | 25.66 | 27.24 | 28.47 | 32.38 |
| NII Growth | 8.3% | 9.74% | 25.58% | 16.13% | 19.14% | 10.47% | 19% | -12.27% | 1.87% | 26.17% |
| Dividend Payout | 69.38% | 96% | 47.01% | 59.12% | 49.27% | 51.12% | 51.96% | 65.8% | 78.91% | 68.08% |
Glacier Bancorp, Inc. (GBCI) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Feb 11, 2026·SEC
Feb 9, 2026·SEC
Glacier Bancorp, Inc. (GBCI) stock FAQ — growth, dividends, profitability & financials explained
Glacier Bancorp, Inc. (GBCI) grew revenue by 14.5% over the past year. This is steady growth.
Yes, Glacier Bancorp, Inc. (GBCI) is profitable, generating $239.0M in net income for fiscal year 2025 (16.8% net margin).
Yes, Glacier Bancorp, Inc. (GBCI) pays a dividend with a yield of 2.57%. This makes it attractive for income-focused investors.
Glacier Bancorp, Inc. (GBCI) has a return on equity (ROE) of 6.4%. This is below average, suggesting room for improvement.
Glacier Bancorp, Inc. (GBCI) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
Glacier Bancorp, Inc. (GBCI) has an efficiency ratio of 46.1%. This is excellent, indicating strong cost control.
Glacier Bancorp, Inc. (GBCI) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates