Glacier Bancorp vs MGIC Investment
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KIRAβs take AI analyst
I put Glacier Bancorp and MGIC Investment side by side, using each oneβs latest annual report. Here is what stands out:
- MGIC Investment is the larger business, with $1.2B of revenue in fiscal 2025 against $1.0B for Glacier Bancorp.
- Glacier Bancorp grew revenue faster (23.7%, against 0.5%).
- MGIC Investment turned more of its sales into free cash flow (70.2% FCF margin, against 33.7%).
- Investors pay more for each dollar of Glacier Bancorpβs earnings: a P/E of 19.7x against 9.0x for MGIC Investment.
Who comes out ahead
Of the 6 measures where higher (or lower) is clearly better, how many each company leads.
Glacier Bancorp
GBCI
2/6
Revenue growth5-year growth
MGIC Investment
MTG
4/6
Net marginFCF marginReturn on equityShare count change
Side by side
Best in the row
| Latest fiscal year | GBCI FY25 | MTG FY25 |
|---|---|---|
| Size | ||
| Market cap | $6.2B | $6.1B |
| Revenue | $1.0B | $1.2B |
| Free cash flow | $348M | $852M |
| Net income | $239M | $738M |
| Growth | ||
| Revenue growth | 23.7% | 0.5% |
| 5-year growth | 5.9% | 0.2% |
| Share count change | 5.9% | β11.0% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 23.2% | 60.8% |
| FCF margin | 33.7% | 70.2% |
| Return on capital | β | β |
| Return on equity | 6.4% | 14.3% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $163M | $921M |
| Valuation & quality | ||
| P/E | 19.7x | 9.0x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
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.