Dave

DAVE · Consumer Finance

$354.60

7.3%

Glacier Bancorp

GBCI · Regional Banks

$47.81

4.0%

The short version

Glacier Bancorp is the larger business, with $1.0B of revenue in fiscal 2025 against $554M for Dave, about 1.9 times as much.
Dave grew revenue faster (59.7%, against 23.7%).
Dave turned more of its sales into free cash flow (52.3% FCF margin, against 33.7% FCF margin).
Investors pay more for each dollar of Dave’s earnings: a P/E of 23.0x against 19.7x for Glacier Bancorp.

Latest fiscal year	DAVE · FY25	GBCI · FY25
Size
Market cap	$4.9B	$6.2B
Revenue	$554M	$1.0B
Free cash flow	$290M	$348M
Net income	$196M	$239M
Growth
Revenue growth	59.7%	23.7%
5-year growth	—	5.9%
Share count change	4.8%	5.9%
Profitability
Gross margin	—	—
Operating margin	—	—
Net margin	35.3%	23.2%
FCF margin	52.3%	33.7%
Return on capital	72.9%	—
Return on equity	73.1%	6.4%
Balance sheet
Net debt	−$80.5M	—
Net debt / EBITDA	−0.4x	—
Dividends and buybacks	$43.7M	$163M
Valuation & quality
P/E	23.0x	19.7x
Piotroski F-score	6	—

Revenue

FY16

DAVE —

GBCI $422M

FY17

DAVE —

GBCI $457M

FY18

DAVE —

GBCI $552M

FY19

DAVE —

GBCI $634M

FY20

DAVE —

GBCI $773M

FY21

DAVE $153M

GBCI $807M

FY22

DAVE $205M

GBCI $909M

FY23

DAVE $259M

GBCI $810M

FY24

DAVE $347M

GBCI $833M

FY25

DAVE $554M

GBCI $1.0B

FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25

DAVE GBCI

Operating margin

FY16

DAVE —

GBCI —

FY17

DAVE —

GBCI —

FY18

DAVE —

GBCI —

FY19

DAVE —

GBCI —

FY20

DAVE —

GBCI —

FY21

DAVE −4.2%

GBCI —

FY22

DAVE —

GBCI —

FY23

DAVE —

GBCI —

FY24

DAVE —

GBCI —

FY25

DAVE —

GBCI —

FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25

DAVE GBCI

Free cash flow

FY16

DAVE —

GBCI —

FY17

DAVE —

GBCI —

FY18

DAVE —

GBCI —

FY19

DAVE —

GBCI —

FY20

DAVE —

GBCI —

FY21

DAVE −$0.9M

GBCI —

FY22

DAVE −$45.6M

GBCI $437M

FY23

DAVE $33.1M

GBCI $451M

FY24

DAVE $125M

GBCI $210M

FY25

DAVE $290M

GBCI $348M

FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25

DAVE GBCI

Return on capital

FY16

DAVE —

GBCI —

FY17

DAVE —

GBCI —

FY18

DAVE —

GBCI —

FY19

DAVE —

GBCI —

FY20

DAVE —

GBCI —

FY21

DAVE —

GBCI —

FY22

DAVE −88.0%

GBCI —

FY23

DAVE −20.8%

GBCI —

FY24

DAVE 40.0%

GBCI —

FY25

DAVE 72.9%

GBCI —

FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25

DAVE GBCI

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