Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Glacier Bancorp, Inc.'s quarterly P/E stands at 22.5x, down 3.3% year-over-year. EV/EBITDA has compressed 30.7% YoY to 17.7x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 25.00 | 22.47 | 20.28 | 23.93 | 23.03 | 23.25 | 25.39 | 23.92 | 34.72 | 21.08 | 15.16 | 15.59 | 19.10 |
| — | -3.3% | -20.1% | +0.0% | -33.7% | +10.3% | +67.5% | +53.5% | +81.8% | +22.9% | -11.1% | -9.3% | -7.3% | |
| P/S Ratio | 4.54 | 3.47 | 3.83 | 3.65 | 3.96 | 4.42 | 4.07 | 3.51 | 3.73 | 3.84 | 2.72 | 3.18 | 4.56 |
| — | -21.5% | -5.8% | +3.8% | +6.1% | +15.1% | +49.5% | +10.6% | -18.2% | -30.2% | -51.9% | -45.9% | -27.7% | |
| P/B Ratio | 1.54 | 1.36 | 1.53 | 1.38 | 1.53 | 1.77 | 1.60 | 1.35 | 1.46 | 1.52 | 1.10 | 1.18 | 1.59 |
| — | -23.0% | -4.2% | +2.5% | +4.8% | +16.5% | +45.4% | +14.2% | -8.4% | -21.3% | -44.0% | -34.9% | -16.2% | |
| P/FCF | 18.62 | 13.57 | 13.19 | 15.38 | 26.83 | 17.58 | 9.20 | 20.66 | — | 8.28 | 6.95 | 7.91 | 12.94 |
| — | -22.8% | +43.3% | -25.6% | — | +112.3% | +32.5% | +161.3% | — | -31.4% | -33.7% | -22.1% | -30.8% | |
| EV / EBITDA | 24.79 | 17.73 | 20.22 | 24.44 | 25.80 | 25.59 | 27.63 | 29.60 | 41.35 | 26.77 | 20.24 | 21.81 | 22.93 |
| — | -30.7% | -26.8% | -17.4% | -37.6% | -4.4% | +36.5% | +35.7% | +80.3% | +42.6% | +26.7% | +35.9% | +30.3% | |
| EV / EBIT | 27.77 | 18.55 | 23.00 | 28.73 | 30.18 | 29.40 | 32.33 | 35.20 | 52.55 | 30.87 | 23.12 | 24.79 | 25.82 |
| — | -36.9% | -28.8% | -18.4% | -42.6% | -4.8% | +39.9% | +42.0% | +103.6% | +49.8% | +31.9% | +41.1% | +32.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Glacier Bancorp, Inc.'s operating margin was 27.1% in Q4 2025, up 3.4 pp QoQ and up 4.3 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 22.6% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 14.9% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.0% | 74.2% | 70.2% | 64.0% | 66.0% | 64.6% | 63.1% | 63.2% | 60.1% | 63.1% | 65.1% | 71.3% | 79.9% |
| — | +14.9% | +11.2% | +1.2% | +9.8% | +2.4% | -2.9% | -11.3% | -24.9% | -29.2% | -29.9% | -27.2% | -15.5% | |
| Operating Margin | 22.9% | 27.1% | 23.7% | 19.4% | 20.0% | 22.8% | 19.5% | 18.0% | 12.0% | 20.8% | 22.1% | 24.9% | 28.9% |
| — | +18.8% | +21.1% | +8.0% | +67.2% | +9.5% | -11.6% | -27.7% | -58.5% | -46.8% | -45.4% | -40.6% | -22.2% | |
| Net Margin | 16.8% | 15.4% | 18.8% | 15.7% | 17.2% | 19.2% | 16.0% | 14.8% | 10.7% | 18.2% | 18.1% | 20.2% | 24.0% |
| — | -19.5% | +17.5% | +6.1% | +60.2% | +5.2% | -11.3% | -26.5% | -55.2% | -43.1% | -45.2% | -40.8% | -22.0% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.4% | 1.6% | 1.9% | 1.5% | 1.7% | 1.9% | 1.6% | 1.4% | 1.1% | 1.8% | 1.8% | 1.9% | 2.1% |
| — | -14.6% | +18.8% | +8.1% | +57.5% | +3.6% | -11.5% | -23.8% | -49.8% | -35.1% | -35.4% | -28.3% | -4.4% | |
| ROA | 0.8% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% |
| — | -5.0% | +28.4% | +15.5% | +66.7% | +13.0% | -3.4% | -19.1% | -47.8% | -34.8% | -36.5% | -31.4% | -13.7% | |
| ROIC | 3.5% | 1.2% | 0.9% | 0.7% | 0.7% | 0.8% | 0.6% | 0.6% | 0.4% | 0.6% | 0.7% | 0.7% | 0.8% |
| — | +54.7% | +43.0% | +23.6% | +81.4% | +24.0% | -2.2% | -18.3% | -54.9% | -55.3% | -58.2% | -56.6% | -41.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Glacier Bancorp, Inc.'s Debt/EBITDA ratio is 24.7x, down from 32.7x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 147659.9% YoY to 307.57x, strengthening the short-term liquidity position. Debt/Equity has declined for 7 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.69 | 0.69 | 0.88 | 0.99 | 1.10 | 1.18 | 1.19 | 1.34 | 1.25 | 1.47 | 1.55 | 1.47 | 1.53 |
| — | -41.6% | -25.8% | -25.8% | -12.1% | -20.0% | -23.3% | -9.0% | -18.0% | +41.4% | +137.9% | +143.9% | +265.2% | |
| Debt / EBITDA | 7.94 | 24.74 | 32.74 | 45.86 | 48.80 | 44.92 | 52.86 | 65.16 | 84.41 | 62.01 | 60.66 | 55.97 | 53.99 |
| — | -44.9% | -38.1% | -29.6% | -42.2% | -27.6% | -12.9% | +16.4% | +56.3% | +124.4% | +259.2% | +228.8% | +297.2% | |
| Current Ratio | 307.57 | 307.57 | 0.20 | 0.21 | 0.22 | 0.21 | 0.25 | 0.25 | 0.25 | 0.29 | 0.30 | 0.29 | 0.32 |
| — | +147659.9% | -17.2% | -16.9% | -12.7% | -28.1% | -17.3% | -13.4% | -21.4% | +7.7% | +7.6% | -2.7% | +2.6% | |
| Quick Ratio | 307.57 | 307.57 | 0.20 | 0.21 | 0.22 | 0.21 | 0.25 | 0.25 | 0.25 | 0.29 | 0.30 | 0.29 | 0.32 |
| — | +147659.9% | -17.2% | -16.9% | -12.7% | -28.1% | -17.3% | -13.4% | -21.4% | +7.7% | +7.6% | -2.7% | +2.6% | |
| Interest Coverage | 0.80 | 1.05 | 0.86 | 0.65 | 0.64 | 0.70 | 0.57 | 0.50 | 0.32 | 0.58 | 0.66 | 0.90 | 1.61 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Glacier Bancorp, Inc.'s current P/E is 25.0x. The average P/E over the last 4 quarters is 22.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Glacier Bancorp, Inc.'s current operating margin is 22.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Glacier Bancorp, Inc.'s business trajectory between earnings reports.