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GBCI logoGlacier Bancorp, Inc.(GBCI)Earnings, Financials & Key Ratios

GBCI•NYSE•Banking & Credit
$48.67
$6.33B mkt cap·24.5× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutGlacier 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 non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal and demand deposit accounts, savings accounts, money market deposit accounts, fixed rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts. The company also provides construction and permanent loans on residential real estate; consumer land or lot acquisition loans; unimproved land and land development loans; and residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. In addition, it offers commercial real estate loans to purchase, construct, and finance commercial real estate properties; consumer loans secured by real estate, automobiles, or other assets; paycheck protection program loans; home equity loans consisting of junior lien mortgages, and first and junior lien lines of credit secured by owner-occupied 1-4 family residences; and agriculture loans. Further, the company provides mortgage origination and loan servicing services. It has 224 locations, including 188 branches and 36 loan or administration offices in 75 counties within 8 states comprising Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, and Nevada. The company was founded in 1955 and is headquartered in Kalispell, Montana.Show more
  • Net Interest Income$889M+26.2%
  • Total Revenue$1.43B+14.5%
  • Net Income$239M+25.7%
  • Return on Equity6.43%+5.5%
  • Net Interest Margin2.78%+10.1%
  • Efficiency Ratio46.1%+3.3%
  • ROA0.8%+16.8%
  • Equity / Assets13.18%+14.1%
  • Book Value per Share32.38+13.7%
  • Tangible BV/Share20.98+12.0%
  • Debt/Equity0.69-41.6%
Technical→

GBCI Key Insights

Glacier Bancorp, Inc. (GBCI) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓Efficient operations: 46.1% efficiency ratio
  • ✓Well capitalized: 13.2% equity/assets
  • ✓Healthy dividend yield of 2.6%

✗Weaknesses

  • ✗Shares diluted 14.9% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

GBCI Price & Volume

Glacier Bancorp, Inc. (GBCI) stock price & volume — 10-year historical chart

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GBCI Growth Metrics

Glacier Bancorp, Inc. (GBCI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years13.32%
5 Years12.53%
3 Years15.16%
TTM-

Profit CAGR

10 Years7.49%
5 Years-2.15%
3 Years-7.62%
TTM25.71%

EPS CAGR

10 Years2.6%
5 Years-6.67%
3 Years-10.11%
TTM20.96%

Return on Capital

10 Years8.61%
5 Years6%
3 Years3.45%
Last Year1.74%

GBCI Recent Earnings

Glacier Bancorp, Inc. (GBCI) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 23, 2026
EPS
$0.70
Est $0.67
+4.5%
Revenue
$307M
Est $308M
-0.5%
Q1 2026
Jan 22, 2026
EPS
$0.49
Est $0.59
-16.9%
Revenue
$307M
Est $305M
+0.6%
Q4 2025
Oct 16, 2025
EPS
$0.62
Est $0.61
+1.6%
Revenue
$261M
Est $260M
+0.3%
Q3 2025
Jul 24, 2025
EPS
$0.45
Est $0.47
-4.3%
Revenue
$235M
Est $260M
-9.9%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.70vs $0.67+4.5%
$307Mvs $308M-0.5%
Q1 2026Jan 22, 2026
$0.49vs $0.59-16.9%
$307Mvs $305M+0.6%
Q4 2025Oct 16, 2025
$0.62vs $0.61+1.6%
$261Mvs $260M+0.3%
Q3 2025Jul 24, 2025
$0.45vs $0.47-4.3%
$235Mvs $260M-9.9%
Based on last 12 quarters of dataView full earnings history →

GBCI Peer Comparison

Glacier Bancorp, Inc. (GBCI) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
COLB logoCOLBColumbia Banking System, Inc.Direct Competitor7.07B29.7112.928.35%17.11%8.39%9.98%0.51
WAFD logoWAFDWaFd, Inc.Direct Competitor2.71B35.5113.50-1.58%16.03%8.02%7.67%0.60
BANR logoBANRBanner CorporationDirect Competitor2.2B64.9811.52-0.95%23.84%10.34%11.26%0.19
HFWA logoHFWAHeritage Financial CorporationDirect Competitor935.61M27.5214.045.92%20.1%7.51%9.16%0.05
NWBI logoNWBINorthwest Bancshares, Inc.Direct Competitor2.05B14.0315.2516.3%14.37%7.18%6.91%0.24
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.79B20.5413.51-2.33%32.53%9.25%7.79%0.43
UMBF logoUMBFUMB Financial CorporationProduct Competitor9.98B131.0614.3568.52%15.81%11.67%9.8%0.49
BOKF logoBOKFBOK Financial CorporationProduct Competitor10.38B134.7616.5610.4%15.57%8.91%13.78%0.80

Compare GBCI vs Peers

Glacier Bancorp, Inc. (GBCI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs COLB

Most directly comparable listed peer for GBCI.

Scale Benchmark

vs ICE

Larger-name benchmark to compare GBCI against a more recognizable public peer.

Peer Set

Compare Top 5

vs COLB, WAFD, BANR, HFWA

GBCI Income Statement

Glacier Bancorp, Inc. (GBCI) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income345.16M433.46M503.4M599.75M662.52M788.38M691.68M704.63M889.04M
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 Income375.02M469M546.18M627.06M681.07M829.64M1.02B1.14B1.3B
Interest Expense29.86M35.53M42.77M27.32M18.56M41.26M325.97M435.22M406.76M
Loan Loss Provision10.82M9.95M57K39.77M23.08M19.96M14.79M28.31M35.74M
Non-Interest Income100.25M110.26M107.14M163.01M131.66M103.73M97.75M105.39M129.74M
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 Expense253.58M311.56M351.29M394.96M421.66M501.86M507.03M555.42M657.13M
Efficiency Ratio53.36%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 Tax64.63M40.33M48.65M61.64M64.68M67.08M44.68M36.16M51.22M
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)116.38M181.88M210.54M266.4M284.76M303.2M222.93M190.14M239.03M
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)1.752.182.392.812.872.742.011.682.00
Diluted Shares Outstanding77.61M83.68M88.39M94.93M99.4M110.83M110.89M113.24M130.15M

GBCI Balance Sheet

Glacier Bancorp, Inc. (GBCI) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments1.98B2.78B2.91B5.97B9.61B5.71B6.14B4.55B4.33B
Cash & Due from Banks200M203.79M330.96M633.14M437.69M402M1.35B848.41M321.53M
Short Term Investments1.78B2.57B2.58B5.34B9.17B5.31B4.79B3.71B4.01B
Total Investments8.94B11.09B12.27B16.67B23.7B24.18B24.32B24.73B4.05B
Investments Growth %2.16%23.97%10.66%35.86%42.18%2.03%0.58%1.67%-83.62%
Long-Term Investments7.17B8.52B9.69B11.33B14.53B18.87B19.54B21.02B42.76M
Accounts Receivables44.46M54.41M56.05M75.5M76.67M83.54M94.53M99.26M20.79B
Goodwill & Intangibles192M338.83M519.7M569.52M1.04B1.03B1.02B1.1B1.48B
Goodwill177.81M289.59M456.42M514.01M985.39M985.39M985.39M1.05B1.38B
Intangible Assets14.18M49.24M63.29M55.51M52.26M41.6M31.87M51.18M105.27M
PP&E (Net)177.35M241.53M310.31M325.33M372.6M398.1M421.79M468.22M561.76M
Other Assets110.67M166.45M195.94M232.01M288.15M350.34M373.74M517.05M0
Total Current Assets2.02B2.83B2.96B6.05B9.69B5.79B6.23B4.65B25.12B
Total Non-Current Assets7.68B9.29B10.72B12.46B16.26B20.84B21.51B23.25B2.19B
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 Payable3.45M4.25M4.69M3.31M2.41M4.33M125.91M33.63M0
Total Debt850.93M985.09M777.17M1.18B1.2B2.96B4.44B3.79B2.9B
Net Debt650.92M781.29M446.21M544.47M759.82M2.55B3.09B2.95B2.58B
Long-Term Debt488.35M588.93M207.34M173.03M176.71M2.01B2.95B2.02B291.83M
Short-Term Debt362.57M396.15M569.82M1B1.02B945.92M1.49B1.78B2.52B
Other Liabilities73.17M116.53M164.95M194.86M225.86M225.19M225.79M304.59M27.31B
Total Current Liabilities7.95B9.89B11.35B15.81B22.36B21.56B21.54B22.36B81.68M
Total Non-Current Liabilities561.52M705.46M372.3M391.75M402.57M2.24B3.18B2.32B27.68B
Total Liabilities8.51B10.6B11.72B16.2B22.76B23.79B24.72B24.68B27.76B
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 Share15.4518.1222.1824.3031.9725.6627.2428.4732.38
Tangible BV per Share12.9814.0716.3018.3021.5316.3918.0618.7320.98
Common Stock780K845K923K954K1.11M1.11M1.11M1.13M1.3M
Additional Paid-in Capital798M1.05B1.38B1.5B2.34B2.34B2.35B2.45B3.22B
Retained Earnings402.26M473.18M541.05M667.94M810.34M966.98M1.04B1.08B1.16B
Accumulated OCI-1.98M-9.43M40.23M143.09M27.36M-468.79M-374.11M-309.3M-167.11M
Treasury Stock000000000
Preferred Stock000000000

GBCI Cash Flow Statement

Glacier Bancorp, Inc. (GBCI) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations254.74M280.71M226.65M189.54M572.05M470.66M500.71M258.04M374.4M
Operating CF Growth %31.93%10.19%-19.26%-16.37%201.8%-17.72%6.39%-48.47%45.1%
Net Income116.38M181.88M210.54M266.4M284.76M303.2M222.93M190.14M239.03M
Depreciation & Amortization17.25M22.29M27.08M30.79M32.04M36.49M37.14M41.66M33.03M
Deferred Taxes25.89M6.86M-356K-6.86M-9.1M2.18M507K2.61M-4.07M
Other Non-Cash Items93.36M56.94M-25.63M-70.16M247.33M143.31M141.88M104.9M106.54M
Working Capital Changes-1.09M9.62M7.54M-34.26M12.67M-19.88M92.33M-86.97M-6.48M
Cash from Investing23.66M-872.42M-42.68M-3.56B-3.91B-1.35B-207.49M493.14M1.06B
Purchase of Investments-122.15M-946.26M-1.32B-3.34B-6.56B-1.47B-585.32M-352.89M-1.19B
Sale/Maturity of Investments788.24M748.77M1.6B868.23M1.51B2.01B1.49B1.2B2.57B
Net Investment Activity666.09M-197.49M279.39M-2.47B-5.05B531.88M907.02M848.25M1.37B
Acquisitions-4.09M101.27M62.98M43.71M1.62B00107.68M210.34M
Other Investing-628.22M-757.56M-368.66M-1.13B-465.7M-1.85B-1.06B-414.51M-491.4M
Cash from Financing-230.93M595.5M-56.8M3.68B3.14B845.43M659.12M-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 Repurchases000000-1.79M-1.63M0
Stock Issued000993K265K140K001.06M
Net Stock Activity000993K265K140K-1.79M-1.63M1.06M
Debt Issuance (Net)1000K1000K-1000K-1000K1000K1000K1000K-1000K-1000K
Other Financing-202M603.46M459.72M3.84B3.28B-806.29M-135.72M-108.25M252.55M
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 Effect000000000
Cash at Beginning152.54M200M203.79M330.96M633.14M437.69M402M1.35B848.41M
Cash at End200M203.79M330.96M633.14M437.69M402M1.35B848.41M1.24B
Interest Paid30M35.17M42.46M28.82M19.78M39.34M204.4M528.91M413.59M
Income Taxes Paid40.22M26.49M36.82M63.02M67.31M55.2M27.93M15.6M32.16M
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%

GBCI Banking Ratios

Glacier Bancorp, Inc. (GBCI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin3.33%3.56%3.58%3.68%3.24%2.55%2.96%2.49%2.53%2.78%
Efficiency Ratio56.04%53.36%53.79%53.77%49.99%51.88%53.77%45.46%44.6%46.1%
Equity / Assets11.82%12.35%12.51%14.33%12.47%12.25%10.67%10.89%11.55%13.18%
Book Value / Share14.6315.4518.1222.1824.331.9725.6627.2428.4732.38
NII Growth8.3%9.74%25.58%16.13%19.14%10.47%19%-12.27%1.87%26.17%
Dividend Payout69.38%96%47.01%59.12%49.27%51.12%51.96%65.8%78.91%68.08%

GBCI SEC Filings & Documents

Glacier Bancorp, Inc. (GBCI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Feb 11, 2026·SEC

Material company update

Feb 9, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 25, 2026·SEC

FY 2025

Feb 25, 2025·SEC

FY 2024

Feb 23, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Oct 31, 2025·SEC

FY 2025

Aug 1, 2025·SEC

FY 2025

May 2, 2025·SEC

GBCI Frequently Asked Questions

Glacier Bancorp, Inc. (GBCI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More GBCI

Glacier Bancorp, Inc. (GBCI) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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