Dave vs Glacier Bancorp
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KIRAβs take AI analyst
I put Dave and Glacier Bancorp side by side, using each oneβs latest annual report. Here is what stands out:
- 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%).
- Investors pay more for each dollar of Daveβs earnings: a P/E of 23.0x against 19.7x for Glacier Bancorp.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Dave
DAVE
5/5
Revenue growthNet marginFCF marginReturn on equityShare count change
Glacier Bancorp
GBCI
0/5
Side by side
Best in the row
| 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 | β | 5.9% |
| Share count change | 4.8% | 5.9% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 35.3% | 23.2% |
| FCF margin | 52.3% | 33.7% |
| Return on capital | 72.9% | β |
| Return on equity | 73.1% | 6.4% |
| Balance sheet | ||
| Net debt | β$80.5M | β |
| Net debt / EBITDA | β0.4x | β |
| Dividends and buybacks | $43.7M | $163M |
| Valuation & quality | ||
| P/E | 23.0x | 19.7x |
| Piotroski F-score | 6 | β |
Ten years
Revenue
FY16
DAVE β
GBCI $422M
FY17
DAVE β
GBCI $457M
FY18
DAVE β
GBCI $552M
FY19
DAVE β
GBCI $634M
FY20
DAVE β
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
DAVE
GBCI
Operating margin
FY16
DAVE β
GBCI β
FY17
DAVE β
GBCI β
FY18
DAVE β
GBCI β
FY19
DAVE β
GBCI β
FY20
DAVE β
GBCI β
FY21
DAVE β4.2%
GBCI β
FY22
DAVE β
GBCI β
FY23
DAVE β
GBCI β
FY24
DAVE β
GBCI β
FY25
DAVE β
GBCI β
DAVE
GBCI
Free cash flow
FY16
DAVE β
GBCI β
FY17
DAVE β
GBCI β
FY18
DAVE β
GBCI β
FY19
DAVE β
GBCI β
FY20
DAVE β
GBCI β
FY21
DAVE β$0.9M
GBCI β
FY22
DAVE β$45.6M
GBCI $437M
FY23
DAVE $33.1M
GBCI $451M
FY24
DAVE $125M
GBCI $210M
FY25
DAVE $290M
GBCI $348M
DAVE
GBCI
Return on capital
FY16
DAVE β
GBCI β
FY17
DAVE β
GBCI β
FY18
DAVE β
GBCI β
FY19
DAVE β
GBCI β
FY20
DAVE β
GBCI β
FY21
DAVE β
GBCI β
FY22
DAVE β88.0%
GBCI β
FY23
DAVE β20.8%
GBCI β
FY24
DAVE 40.0%
GBCI β
FY25
DAVE 72.9%
GBCI β
DAVE
GBCI
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.