Glacier Bancorp (GBCI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Glacier Bancorp

NYSE•Financial Services•Banks - Regional

$44.94-0.31(-0.01%)Pre-market

Market Cap

$5.81B

P/E

18.7x

P/S

5.1x

P/B

1.3x

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.

How this company scores

ExcellentMetricSide Score: 84/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (16/25).

Profitability21/25

Growth22/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality25/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 18.7x5y range 12.7x – 29.9x

Currently near its 20-quarter median.

P/S · 5.1x5y range 3.8x – 7.2x

Currently near its 20-quarter median.

P/B · 1.3x5y range 1.1x – 2.2x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Share Dilution

Red Flag

Shares outstanding increased 14.8% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $5.81B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.14B
Q. Revenue: $311.17M
TTM EBITDA: $422.83M
TTM Op. Income: $386.23M
Q. Op. Income: $124.47M
TTM Net Income: $311.69M
Q. Net Income: $97.86M
EPS: $0.75
Shares Out.: $130.17M

$1.14B in TTM revenue grew 32.6% YoY, reaching $311.17M last quarter. TTM EBITDA of $422.83M and TTM operating income of $386.23M show growth is flowing through to the bottom line. TTM net income of $311.69M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 71.5%
EBITDA Margin: 43.1%
Op. Margin: 40.0%
Net Margin: 31.4%

Op. margin of 40.0% is up 10.4% YoY — cost efficiency is improving. Net margin at 31.4% and gross margin of 71.5% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 18.7x
P/S Ratio: 5.1x
P/B Ratio: 1.3x

At 18.7x P/E, the stock trades within typical market levels. P/S of 5.1x and P/B of 1.3x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has fallen for 3 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $31.60B
Cash: $1.06B
Long-Term Debt: $188.57M
Book Value: $4.31B
D/E Ratio: 0.0
Debt/EBITDA: 1.4

With $31.60B in assets and $188.57M in long-term debt, D/E is 0.0and book value is $4.31B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $120.75M
TTM Free Cash Flow: $407.27M
FCF Margin: 35.9%
FCF / Net Income: 1.3

TTM FCF of $407.27M on $120.75M in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.