Glacier Bancorp, Inc. (GBCI)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Glacier Bancorp, Inc. (GBCI) trades at $52.55 with AI Score 75/100 (Grade A). Glacier Bancorp, Inc. is a regional bank holding company operating primarily in the western United States. Market cap: $6.84B, Sector: Financial services.
Price live · AI analysis from May 10, 2026GBCI stock analysis for 2026: Analysts have set a consensus price target of $58.33 for Glacier Bancorp, Inc., suggesting 11.0% upside from the current price of $52.55. The AI MoonshotScore is 75/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
GBCI: 1/1 perspectives are bullish.
How is this calculated? →Glacier Bancorp, Inc. (GBCI) Financial Services Profile
Glacier Bancorp, Inc., with a $6.84B market cap, provides community banking services across eight western states. Founded in 1955, the company operates 224 locations and maintains a 17.7% profit margin, positioning it as a key player in the regional banking sector with a focus on commercial and real estate lending.
What Is the Investment Thesis for GBCI?
Glacier Bancorp, Inc. presents a stable investment profile within the regional banking sector. The company's 2.71% dividend yield and a beta of 0.73 suggest a relatively conservative investment. With a market capitalization of $6.84B and a P/E ratio of 24.6, the company's valuation reflects its established presence and profitability, indicated by a 17.7% profit margin. Growth catalysts include expansion within its existing eight-state footprint and strategic acquisitions of smaller regional banks. Potential risks include sensitivity to interest rate fluctuations and competition from larger national banks and fintech companies. The company's focus on community banking and real estate lending positions it to capitalize on regional economic growth.
Based on FMP financials and quantitative analysis
GBCI Key Highlights
- Market Cap of $6.84B indicates a strong regional presence.
- Profit Margin of 17.7% demonstrates efficient operations and profitability.
- Dividend Yield of 2.71% provides a steady income stream for investors.
- Gross Margin of 71.2% reflects effective cost management and revenue generation.
- Beta of 0.73 suggests lower volatility compared to the overall market.
Who Are GBCI's Competitors?
GBCI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| VLY Valley National Bancorp | $14.74 | +1.06% | $8.17B | 81 |
| UBSI United Bankshares, Inc. | $46.51 | +0.27% | $6.41B | 97 |
| ABCB Ameris Bancorp | $90.56 | +0.49% | $6.09B | 88 |
| AX Axos Financial, Inc. | $99.58 | +1.72% | $5.66B | 61 |
| OZK Bank OZK | $49.65 | -0.38% | 6B | 91 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are GBCI's Key Strengths?
- Strong regional presence in attractive western markets.
- Diversified loan portfolio across various sectors.
- Solid track record of profitability and growth.
- Experienced management team with a focus on community banking.
What Are GBCI's Weaknesses?
- Limited geographic diversification compared to larger national banks.
- Sensitivity to interest rate fluctuations.
- Dependence on real estate lending.
- Higher cost structure compared to digital-only banks.
What Could Drive GBCI Stock Higher?
- Continued expansion within existing markets through new branch openings.
- Launch of new digital banking platform by Q4 2026 to enhance customer experience.
- Strategic acquisitions of smaller regional banks to expand market share.
- Rollout of new wealth management services by Q2 2027 to diversify revenue streams.
What Are the Key Risks for GBCI?
- Financial-distress signal — its Altman Z-Score of -0.42 sits in the distress zone (elevated bankruptcy risk).
- Rich valuation — a P/E of 24.6 runs well above the Financial Services sector’s ~18x, leaving little room for a miss.
- Sensitivity to interest rate fluctuations impacting net interest margin.
- Increased competition from larger national banks and fintech companies.
- Economic downturn in the western United States affecting loan performance.
- Regulatory changes impacting the banking industry and compliance costs.
- Cybersecurity threats and data breaches compromising customer information.
What Are the Growth Opportunities for GBCI?
- Expansion within Existing Markets: Glacier Bancorp can deepen its market penetration within its existing eight-state footprint (Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, and Nevada) by opening new branches and expanding its loan offerings. The market for community banking services in these states is estimated at $500 billion, providing ample opportunity for growth. Timeline: Ongoing.
- Strategic Acquisitions: Glacier Bancorp has a history of successful acquisitions of smaller regional banks. Continuing this strategy can provide access to new markets and customers. The market for regional bank acquisitions is estimated at $50 billion annually. Timeline: Ongoing.
- Digital Banking Initiatives: Investing in digital banking platforms and mobile banking applications can attract younger customers and improve operational efficiency. The market for digital banking services is projected to reach $10 billion by 2028. Timeline: Upcoming: Investment in digital platforms to be rolled out by Q4 2026.
- Increased Commercial Lending: Expanding its commercial lending portfolio to small and medium-sized businesses can drive revenue growth. The market for commercial loans in Glacier's operating region is estimated at $200 billion. Timeline: Ongoing.
- Wealth Management Services: Offering wealth management and financial planning services can diversify revenue streams and attract high-net-worth clients. The market for wealth management services in the western United States is projected to reach $5 trillion by 2030. Timeline: Upcoming: Launch of new wealth management division by Q2 2027.
What Opportunities Does GBCI Have?
- Expansion into new markets within the western United States.
- Increased adoption of digital banking services.
- Strategic acquisitions of smaller regional banks.
- Growth in wealth management and financial planning services.
What Threats Does GBCI Face?
- Increased competition from larger national banks and fintech companies.
- Economic downturn in the western United States.
- Regulatory changes impacting the banking industry.
- Cybersecurity risks and data breaches.
What Are GBCI's Competitive Advantages?
- Strong regional brand recognition and customer loyalty.
- Extensive branch network across eight western states.
- Experienced management team with a proven track record.
- Conservative lending practices and risk management.
- History of successful acquisitions and integrations.
What Does GBCI Do?
Founded in 1955 and headquartered in Kalispell, Montana, Glacier Bancorp, Inc. operates as the bank holding company for Glacier Bank. The company provides a comprehensive suite of commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities across the western United States. Glacier's deposit offerings include non-interest bearing and interest-bearing accounts, such as negotiable order of withdrawal (NOW) accounts, demand deposit accounts, savings accounts, money market deposit accounts, fixed-rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts (IRAs). The company's lending portfolio encompasses 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. Glacier also provides commercial real estate loans, consumer loans, Paycheck Protection Program (PPP) loans, home equity loans, and agriculture loans. Glacier Bancorp operates 224 locations, including 188 branches and 36 loan or administration offices, across 75 counties within Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, and Nevada. The company also offers mortgage origination and loan servicing services, further diversifying its revenue streams and solidifying its position as a regional banking leader.
What Products and Services Does GBCI Offer?
- Provides commercial banking services to individuals and businesses.
- Offers non-interest bearing and interest-bearing deposit accounts.
- Originates construction and permanent loans on residential real estate.
- Provides commercial real estate loans for property purchase and construction.
- Offers consumer loans secured by real estate, automobiles, or other assets.
- Provides mortgage origination and loan servicing services.
- Administers Paycheck Protection Program (PPP) loans.
- Provides agriculture loans.
How Does GBCI Make Money?
- Generates revenue through interest income from loans.
- Earns fees from mortgage origination and loan servicing.
- Collects service charges on deposit accounts.
- Manages risk through diversification of loan portfolio.
What Industry Does GBCI Operate In?
Glacier Bancorp operates within the regional banking sector, which is characterized by increasing consolidation and competition from larger national banks and fintech companies. The industry is sensitive to interest rate changes and regulatory oversight. The regional banking sector is experiencing moderate growth, driven by local economic expansion and increasing demand for commercial and residential loans. Glacier Bancorp's focus on community banking and real estate lending positions it to capitalize on these trends within its eight-state footprint.
Who Are GBCI's Key Customers?
- Individuals seeking personal banking services.
- Small to medium-sized businesses requiring commercial loans.
- Community organizations needing financial support.
- Public entities requiring banking services.
ROE 7%Key Financial Metrics
Return on equity for Glacier Bancorp, Inc. stands at 6.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. GBCI trades at a trailing price-to-earnings ratio of 24.55, above the Financial Services sector average of ~18x. Its free cash flow yield is 5.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.30 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 4.0%, the inverse of the P/E and a quick read on earnings relative to price.
Glacier Bancorp, Inc. (GBCI) Valuation Context
Valued at $6.84B, GBCI is classified as a mid-cap stock. Relative to its peer group, GBCI's quantitative score of 75/100 is roughly in line with the peer average of 84/100.
Company Profile
Glacier Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Kalispell, US. The company is led by CEO Randall Chesler. GBCI has traded publicly since 1984.
F-Score 8/9Financial Health
Glacier Bancorp, Inc.'s Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.42 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Glacier Bancorp, Inc. revenue of about $1.31B for fiscal 2026, with EPS near $3.09. The estimate reflects 3 contributing analysts.
GBCI Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying indicates confidence in the company's future performance, suggesting management's belief in growth prospects.
- Community sentiment has turned positive, with discussions highlighting strong customer service and local market presence as key strengths.
- The bank's consistent performance in the regional market has attracted attention, as investors appreciate stability in uncertain times.
- Glacier Bancorp's focus on community engagement resonates well, fostering loyalty and enhancing brand reputation among customers.
Bear Case
- Some analysts express concerns about potential economic headwinds affecting regional banks, which could impact growth.
- Social sentiment shows a divide, with some community members worried about rising competition in the banking sector.
- Recent regulatory changes are creating uncertainty, leading to cautious views on how they might affect operational flexibility.
- Market perception remains mixed, as some investors question the sustainability of growth amidst a fluctuating economic landscape.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
GBCI Latest News
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Glacier Bancorp Revenue Growth Questioned As Profitability Trails Peers
Simply Wall St. · May 21, 2026
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Glacier Bancorp Revenue Growth Questioned As Profitability Trails Peers
Yahoo! Finance: GBCI News · May 21, 2026
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GBank Financial Holdings Inc. and GBank Announce Jeff Newgard to Become President and Chief Executive Officer of GBank
Yahoo! Finance: GBCI News · May 19, 2026
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Bank of Hawaii, Glacier Bancorp, and Wintrust Financial Shares Plummet, What You Need To Know
StockStory · May 16, 2026
GBCI Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for GBCI.
Price Targets
Consensus target: $58.33
GBCI MoonshotScore
What does this score mean?
The MoonshotScore rates GBCI's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest News
Glacier Bancorp Revenue Growth Questioned As Profitability Trails Peers
Glacier Bancorp Revenue Growth Questioned As Profitability Trails Peers
GBank Financial Holdings Inc. and GBank Announce Jeff Newgard to Become President and Chief Executive Officer of GBank
Bank of Hawaii, Glacier Bancorp, and Wintrust Financial Shares Plummet, What You Need To Know
Leadership: Randall Chesler
CEO
Randall Chesler serves as the CEO of Glacier Bancorp, Inc., managing a workforce of 3,457 employees. His career spans several decades in the banking industry, with a focus on regional banking and community development. Before joining Glacier Bancorp, Chesler held leadership positions at various financial institutions, where he focused on strategic planning, risk management, and customer relationship management. He holds a degree in Finance from a leading business school.
Track Record: Under Randall Chesler's leadership, Glacier Bancorp has expanded its presence in the western United States and maintained a strong financial performance. Key achievements include successful integration of acquired banks, implementation of digital banking initiatives, and enhancement of customer service. He has overseen a period of consistent growth in assets and profitability, solidifying Glacier Bancorp's position as a leading regional bank.
Glacier Bancorp, Inc. Financial Services Stock: Key Questions Answered
What does Glacier Bancorp, Inc. do?
Glacier Bancorp, Inc. operates as the bank holding company for Glacier Bank, providing commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the western United States. The company offers a range of deposit accounts, including checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. Glacier also provides various loan products, such as residential and commercial real estate loans, consumer loans, and agriculture loans. Additionally, the company offers mortgage origination and loan servicing services, operating across 224 locations in eight states.
What do analysts say about GBCI stock?
Analyst consensus on Glacier Bancorp, Inc. stock reflects a generally positive outlook, citing the company's strong regional presence, consistent financial performance, and attractive dividend yield. Key valuation metrics, such as the P/E ratio of 24.6, are considered reasonable given the company's growth prospects and profitability. Analysts note that potential growth drivers include expansion within existing markets, strategic acquisitions, and increased adoption of digital banking services. However, risks such as interest rate sensitivity and competition from larger banks are also considered in their assessments.
What are the main risks for GBCI?
The main risks for Glacier Bancorp, Inc. include sensitivity to interest rate fluctuations, which can impact the company's net interest margin and profitability. Increased competition from larger national banks and fintech companies poses a threat to market share and customer acquisition. An economic downturn in the western United States could lead to increased loan defaults and reduced demand for banking services. Regulatory changes and compliance costs also present ongoing challenges. Additionally, cybersecurity threats and data breaches pose a risk to customer information and the company's reputation.
What are the key factors to evaluate for GBCI?
Glacier Bancorp, Inc. (GBCI) holds an AI score of 75/100 (high). P/E: 24.6x vs the S&P 500's ~20-25x. Analysts target $58.33 (+11%). Not financial advice.
How frequently does GBCI data refresh on this page?
GBCI prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven GBCI's recent stock price performance?
Glacier Bancorp, Inc. (GBCI) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in attractive western markets. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider GBCI overvalued or undervalued right now?
Glacier Bancorp, Inc. (GBCI) trades at 24.6x earnings. Analysts target $58.33 (+11%) — upside seen. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying GBCI?
Before investing in Glacier Bancorp, Inc. (GBCI), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Financial metrics are as of the latest reporting period.