Glacier Bancorp
GBCI · Regional Banks
$47.81
4.0%Payoneer Global
PAYO · Transaction & Payment Processing Services
$7.15
0.3%The short version
- Payoneer Global is the larger business, with $1.1B of revenue in fiscal 2025 against $1.0B for Glacier Bancorp.
- Glacier Bancorp grew revenue faster (23.7%, against 7.7%).
- Glacier Bancorp turned more of its sales into free cash flow (33.7% FCF margin, against 19.6% FCF margin).
- Investors pay more for each dollar of Payoneer Global’s earnings: a P/E of 51.1x against 19.7x for Glacier Bancorp.
| Latest fiscal year | GBCI · FY25 | PAYO · FY25 |
|---|---|---|
| Size | ||
| Market cap | $6.2B | $2.4B |
| Revenue | $1.0B | $1.1B |
| Free cash flow | $348M | $207M |
| Net income | $239M | $73.2M |
| Growth | ||
| Revenue growth | 23.7% | 7.7% |
| 5-year growth | 5.9% | 25.0% |
| Share count change | 5.9% | −2.5% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | 11.8% |
| Net margin | 23.2% | 7.0% |
| FCF margin | 33.7% | 19.6% |
| Return on capital | — | — |
| Return on equity | 6.4% | 10.2% |
| Balance sheet | ||
| Net debt | — | — |
| Net debt / EBITDA | — | — |
| Dividends and buybacks | $163M | $174M |
| Valuation & quality | ||
| P/E | 19.7x | 51.1x |
| Piotroski F-score | — | — |
FY16
GBCI $422M
PAYO —
FY17
GBCI $457M
PAYO —
FY18
GBCI $552M
PAYO —
FY19
GBCI $634M
PAYO $318M
FY20
GBCI $773M
PAYO $346M
FY21
GBCI $807M
PAYO $473M
FY22
GBCI $909M
PAYO $628M
FY23
GBCI $810M
PAYO $831M
FY24
GBCI $833M
PAYO $978M
FY25
GBCI $1.0B
PAYO $1.1B
GBCI
PAYO
FY16
GBCI —
PAYO —
FY17
GBCI —
PAYO —
FY18
GBCI —
PAYO —
FY19
GBCI —
PAYO 1.2%
FY20
GBCI —
PAYO −5.0%
FY21
GBCI —
PAYO −6.4%
FY22
GBCI —
PAYO −3.5%
FY23
GBCI —
PAYO 12.5%
FY24
GBCI —
PAYO 15.2%
FY25
GBCI —
PAYO 11.8%
GBCI
PAYO
FY16
GBCI —
PAYO —
FY17
GBCI —
PAYO —
FY18
GBCI —
PAYO —
FY19
GBCI —
PAYO −$23.5M
FY20
GBCI —
PAYO $4.5M
FY21
GBCI —
PAYO $13.1M
FY22
GBCI $437M
PAYO $73.5M
FY23
GBCI $451M
PAYO $151M
FY24
GBCI $210M
PAYO $169M
FY25
GBCI $348M
PAYO $207M
GBCI
PAYO
FY16
GBCI —
PAYO —
FY17
GBCI —
PAYO —
FY18
GBCI —
PAYO —
FY19
GBCI —
PAYO —
FY20
GBCI —
PAYO —
FY21
GBCI —
PAYO —
FY22
GBCI —
PAYO —
FY23
GBCI —
PAYO —
FY24
GBCI —
PAYO —
FY25
GBCI —
PAYO —
GBCI
PAYO
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Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.