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Earnings transcript
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GBCI
Glacier Bancorp, Inc.
$46.79
-0.39
(-0.83%)
| Exchange: | NYSE |
| Market Cap: | 6.089B |
| Shares Outstanding: | 15.149M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Randall Chesler | |||||
| Full Time Employees: | 4125 | |||||
| Address: |
| |||||
| Website: | http://www.glacierbancorp.com |
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. It offers retail banking; business banking and mortgage origination and loan servicing services. The company also accepts deposit products, including non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal, demand deposit accounts, savings, money market deposits, fixed rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts. In addition, it offers credit risk management, construction and permanent loans on residential real estate, consumer land or lot loans, unimproved land and land development loans, construction loans, commercial real estate loans, agricultural and consumer lending, home equity loans, and states and political subdivisions lending, as well as residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. Glacier Bancorp, Inc. was founded in 1955 and is headquartered in Kalispell, Montana.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,115,410 | 1,245,245 | 1,425,537 |
| Gross Profit | 774,642 | 781,721 | 983,043 |
| EBITDA | 304,751 | 267,968 | 365,006 |
| Operating Income | 267,608 | 226,304 | 325,911 |
| Net Income | 222,927 | 190,144 | 239,028 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 27,742,629 | 27,902,987 | 31,978,063 |
| Total Liabilities | 24,722,348 | 24,679,133 | 27,764,242 |
| Total Stockholders Equity | 3,020,281 | 3,223,854 | 4,213,821 |
| Total Debt | 4,441,488 | 3,793,921 | 81,677 |
| Cash and Cash Equivalents | 1,354,342 | 848,408 | 321,526 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 500,715 | 258,037 | 0 |
| Capital Expenditure | -49,534 | -48,277 | 0 |
| Free Cash Flow | 451,432 | 209,760 | 0 |
| Net Income | 222,927 | 190,144 | 239,028 |
| Net Change in Cash | 952,347 | -505,934 | -848,408 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,391,818.419 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 1,421,643.100 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 1,411,701.540 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 459,200.422 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 469,040.431 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 465,760.428 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 453,402.119 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 488,886.182 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 471,184.500 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 469,943.270 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 480,013.483 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 476,656.745 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 3.610 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 3.760 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 3.480 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 3 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 5 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: Glacier Bancorp reported a net income of $52.8 million in Q2 2025, reflecting strong profitability as highlighted in the latest earnings call transcript. This performance underscores consistent revenue generation and operational efficiency, supported by positive growth indicators in key metrics such as operating income and EPS.
- Strategic Acquisitions: The company’s focus on strategic acquisitions, as noted in the Q2 2025 earnings call, positions it for enhanced market presence and revenue diversification. This proactive approach strengthens its competitive standing within the regional banking sector.
- Healthy Margins: Based on key metrics (TTM), GBCI demonstrates robust gross profit margin and net profit margin, indicating effective cost management and profitability compared to industry peers in the financial sector.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates GBCI intrinsic value between $27.20 – $39.83 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about GBCI valuation
Is Glacier Bancorp, Inc. (GBCI) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Glacier Bancorp, Inc. (GBCI) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is GBCI a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether GBCI trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is GBCI’s P/E ratio?
You can see GBCI’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for GBCI?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is GBCI a good long-term investment?
Whether GBCI fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
GBCI
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Daily snapshot
-0.83
Trading Metrics:
| Open: | 46.69 | Previous Close: | 47.18 | |
| Day Low: | 46.39 | Day High: | 46.94 | |
| Year Low: | 39.9 | Year High: | 54.58 | |
| Price Avg 50: | 50.15 | Price Avg 200: | 47.42 | |
| Volume: | 135499 | Average Volume: | 1.068M |
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Login — it's freeGBCI full analysis
Welcome to MARKETSNAP’s SWOT analysis for Glacier Bancorp, also known by its ticker GBCI. If you’re not familiar with this name, let me give you the quick rundown. Glacier Bancorp is a regional banking powerhouse based in the U.S., operating in the financial services sector with a focus on community banking. They’ve got a solid footprint, serving customers across multiple states with a mix of personal and business banking solutions. With thousands of full-time employees and a market cap that…
