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Glacier Bancorp

GBCI NYSE Regional Banks Financials FY2016–FY2025

Glacier Bancorp's revenue rose 23.7% to $1.0 billion in fiscal 2025. Its net margin was 23.2%, up from 22.8% a year earlier. Free cash flow was $348 million, up 65.7%. It paid out $163 million in dividends and buybacks, 47% of free cash flow. The diluted share count rose 5.9%.

Last close · Oct 23, 2026

$47.81

4.0%
Value it Compare
Revenue Total sales reported in the income statement.
$1.0B
23.7% vs prior year
Operating margin Operating income as a share of revenue.
—
Net income Profit after all expenses, interest and tax.
$239M
25.7%
Free cash flow Cash from operations minus capital spending.
$348M
65.7%
Return on capital After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
—
Market cap Last close times the latest diluted share count, so it is approximate.
$6.2B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
19.7x
On $2.43 EPS (TTM)

What Glacier Bancorp does

No business description yet.

Legal name
GLACIER BANCORP, INC.
Fiscal year ends
December 31, 2025
Latest annual report
—
Accession · CIK
0000868671-26-000023
0000868671

Revenue and margins

Glacier Bancorp had $1.0B of revenue in fiscal 2025, up 23.7% on the year before.

Revenue
Revenue
Margins, % of revenue
Gross Operating Net FCF
Margins, % of revenue
Gross Operating Net FCF

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 2.5% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)
Return on capital Return on equity Return on assets

Cash flow

Free cash flow was $348M in fiscal 2025, 33.7% of revenue. Cash from operations minus capital spending.

Free cash flow
Free cash flow
Cash from operations vs capital spending
Cash from operations Capital spending
Cash from operations vs capital spending
Cash from operations Capital spending

Dividends, buybacks and share count

Glacier Bancorp returned $163M to shareholders in fiscal 2025, 47% of free cash flow. The diluted share count rose 5.9%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Value Glacier Bancorp yourself

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.

Discounted cash flow

Value per share

—

Adds net cash of — and divides by 119.9M diluted shares. Ten years of cash flows plus a terminal value, discounted to today.

Earnings multiple

Value per share

—

Reference multiples: today 19.7x · peers 9.3x · sector 13.7x.

Balance sheet

Cash, debt and the ratios that show how comfortably Glacier Bancorp can carry it.

Cash vs debt (incl. leases)
Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments $438M$402M$1.4B$848M$1.2B
Interest coverage 19.8x10.0x1.8x1.4x1.7x
Total assets $25.9B$26.6B$27.7B$27.9B$32.0B
Total liabilities $22.8B$23.8B$24.7B$24.7B$27.8B
Shareholders' equity $3.2B$2.8B$3.0B$3.2B$4.2B
Net debt (− = net cash) —————

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.5M

6 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

DateInsiderTradeSharesPriceValueFiling
Aug 28, 2026 Craig A LangelDirector Bought 2,250 $47.04 $0.1M Form 4
Feb 23, 2026 Ryan Thomas ScrenarChief Administrative Officer Bought 187 $48.10 $0.0M Form 4
Nov 6, 2025 Lee Kenneth GroomChief Experience Officer Bought 2,425 $41.26 $0.1M Form 4
Nov 6, 2025 Ryan Thomas ScrenarChief Compliance Officer Bought 979 $41.88 $0.0M Form 4
Nov 5, 2025 Randall M CheslerPresident/ceo, Director Bought 2,437 $40.91 $0.1M Form 4
Nov 5, 2025 Ron J CopherExecutive Vice President/cfo Bought 2,400 $41.17 $0.1M Form 4
Oct 31, 2025 Kristen Lee HeckDirector Bought 611 $40.79 $0.0M Form 4

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.

TestFY23FY24FY25
Net income is positive ✓ ✓ ✓
Cash from operations is positive ✓ ✓ ✓
Return on assets rose ✕ ✕ ✓
Cash from operations exceeds net income ✓ ✓ ✓
Debt fell relative to assets — — —
Current ratio rose — — —
Share count didn't rise ✕ ✕ ✕
Gross margin rose — — —
Revenue rose relative to assets ✕ ✕ ✓
F-score — / 9— / 9— / 9
Accruals ratio −1.0%−0.2%−0.5%
Altman Z'' ———

Similar companies

Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
Glacier Bancorp GBCI $6.2B 23.7% — 33.7% — 19.7x —
Payoneer Global PAYO $2.4B 7.7% 11.8% 19.6% — 51.1x — Compare →
MGIC Investment MTG $6.1B 0.5% — 70.2% — 9.0x — Compare →
Essent Group ESNT $6.1B 1.5% — 67.3% — 9.3x — Compare →
Hamilton Lane HLNE — 6.5% — 55.2% 34.5% — — Compare →

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $422M $457M $552M $634M $773M $807M $909M $810M $833M $1.0B
Interest expense $29.6M $29.9M $35.5M $42.8M $27.3M $18.6M $41.3M $326M $529M $414M
Pretax income $161M $181M $222M $259M $328M $349M $370M $268M $226M $290M
Income tax $39.7M $64.6M $40.3M $48.6M $61.6M $64.7M $67.1M $44.7M $36.2M $51.2M
Net income $121M $116M $182M $211M $266M $285M $303M $223M $190M $239M
Diluted EPS $1.59 $1.50 $2.17 $2.38 $2.81 $2.86 $2.74 $2.01 $1.68 $1.99
Diluted shares 0.08B 0.08B 0.08B 0.09B 0.09B 0.10B 0.11B 0.11B 0.11B 0.12B
Cash flow
Cash from operations $193M $255M $281M $227M $190M $572M $471M $501M $258M $374M
Capital expenditure — — — — — — $33.8M $49.5M $48.3M $26.8M
Free cash flow — — — — — — $437M $451M $210M $348M
Depreciation and amortization $18.3M $17.3M $22.3M $27.1M $30.8M $32.0M $36.5M $37.1M $41.7M $48.9M
Stock-based compensation $1.8M $3.0M $3.1M $7.5M $3.6M $4.3M $5.4M $5.9M $5.7M $6.3M
Acquisitions $6.7M $4.1M $101M $79.3M $43.7M $1.6B $0.0M $0.0M $0.0M $0.0M
Share buybacks $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Dividends paid $84.0M $112M $85.5M $125M $131M $146M $158M $147M $150M $163M
Dividends and buybacks $84.0M $112M $85.5M $124M $131M $146M $158M $147M $150M $163M
Balance sheet
Cash and short-term investments $153M $200M $204M $331M $633M $438M $402M $1.4B $848M $1.2B
Finance lease liabilities $0.0M $0.0M $0.0M $5.7M $5.9M $5.8M $28.2M $25.1M $21.3M $28.8M
Inventory $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Property and equipment, net $176M $177M $242M $263M $273M $322M $327M $357M $412M $486M
Total assets $9.5B $9.7B $12.1B $13.7B $18.5B $25.9B $26.6B $27.7B $27.9B $32.0B
Total liabilities $8.3B $8.5B $10.6B $11.7B $16.2B $22.8B $23.8B $24.7B $24.7B $27.8B
Shareholders' equity $1.1B $1.2B $1.5B $2.0B $2.3B $3.2B $2.8B $3.0B $3.2B $4.2B
Margins
EBITDA margin 49.5% 49.9% 50.7% 51.9% 50.0% 49.6% 49.3% 77.9% 95.7% 73.1%
Net margin 28.7% 25.4% 32.9% 33.2% 34.5% 35.3% 33.4% 27.5% 22.8% 23.2%
FCF margin — — — — — — 48.1% 55.7% 25.2% 33.7%
Returns
Return on equity 11.0% 10.1% 13.4% 12.1% 12.5% 10.4% 10.1% 7.6% 6.1% 6.4%
Return on assets 1.3% 1.2% 1.7% 1.6% 1.7% 1.3% 1.2% 0.8% 0.7% 0.8%
Growth
Revenue growth 8.4% 8.4% 20.8% 14.8% 21.8% 4.5% 12.6% −10.9% 2.9% 23.7%
Net income growth 4.3% −3.9% 56.3% 15.8% 26.5% 6.9% 6.5% −26.5% −14.7% 25.7%
EPS growth 3.3% −5.7% 44.7% 9.7% 18.1% 1.8% −4.2% −26.6% −16.4% 18.5%
FCF growth — — — — — — — 3.3% −53.5% 65.7%
Share count change 1.0% 1.7% 7.8% 5.6% 7.4% 4.7% 11.5% 0.1% 2.1% 5.9%
Financial health
Interest coverage 6.4x 7.1x 7.3x 7.1x 13.0x 19.8x 10.0x 1.8x 1.4x 1.7x
Capital allocation
Capex / revenue — — — — — — 3.7% 6.1% 5.8% 2.6%
Stock comp / revenue 0.4% 0.7% 0.6% 1.2% 0.5% 0.5% 0.6% 0.7% 0.7% 0.6%
Payouts / FCF — — — — — — 36.1% 32.5% 71.5% 46.8%
Quality scores
Accruals ratio −0.8% −1.4% −0.9% −0.1% 0.5% −1.3% −0.6% −1.0% −0.2% −0.5%

Source: SEC EDGAR XBRL filings (CIK 0000868671). Data updated October 18, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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