Glacier Bancorp, Inc.

NASDAQ
GBCI
Stock
Yield per half year: -17.08%
Dividend yield: 2.96%
Sector: Financials

Reporting Glacier Bancorp, Inc.

Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Average for 5 years CAGR 5
Capitalization, bln $
2.11 2.02 2.79 3.27 3.49 4.32 5.79 5.2 3.99 3.44 4.56 2.71
Revenue, bln $
0.409 0.445 0.543 0.609 0.763 0.7843 0.885 0.7894 1.14 1.14 0.8723 8.36
Net profit, bln $
0.121 0.116 0.182 0.211 0.266 0.2848 0.3032 0.2229 0.1901 0.1901 0.2534 -6.50
EV, bln $
2.04 2.96 3.84 3.92 3.91 5.57 7.08 6.26 6.84 6.84 5.93 11.83
EBIT, bln $
0.1938 0.2057 0.2256 0.2577 0.302 0.3554 0.3898 0.3703 0.2676 -0.077 0.3370 -2.39
EBITDA, bln $
0.1675 0.1791 0.2134 0.28 0.329 0.3861 0.4 0.4068 0.3048 -0.0399 0.3653 -1.52
OIBDA $
0.4205 0.4462 0.5409 0.4619 0.4674 2.38
Book value, bln $
0.3744 0.4023 0.4732 0.5411 0.6679 0.8103 2.84 3.02 3.22 3.22 2.11 36.97
FCF, bln $
0.18 0.245 0.262 0.21 0.178 0.5626 0.4474 0.4514 0.2247 0.2247 0.3728 4.77
Operating Cash Flow, bln $
0.1804 0.2547 0.2807 0.2266 0.1895 0.572 0.4707 0.5007 0.2247 0.2247 0.3915 3.47
Operating profit, bln $
0.1608 0.181 0.2222 0.2592 0.328 0.3494 0.4374 0.38 1.12 1.12 0.5230 27.84
Operating expenses, bln $
0.288 0.304 0.362 0.417 0.299 0.4348 0.0143 0.4074 0.0161 0.0161 0.2343 -44.25
CAPEX, bln $
0.0101 0.01 0.019 0.016 0.012 0.0094 0.0232 0.0493 0.0483 0.0483 0.0284 32.12


Balance sheet

IFRS
Reporting Annual Quarterly
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Average for 5 years CAGR 5
Cash, bln $
0.1525 0.2 0.2038 0.331 0.6331 0.4377 0.402 1.35 0.2687 0.2687 0.6183 -15.75
Short-Term Investments $
2.43 1.78 2.57 2.58 5.34 9.17 5.31 4.79 4.25 4.25 5.77 -4.46
Long-Term Investments $
4.41 5.01 5.63 6.49 11.06 12.26 5.69 10.38 9.1 8.3 9.15 -7.51
Accounts Receivable $
0.0458 0.0445 0.0544 0.056 0.0755 0.0767 0.0835 0.0945 17.16 17.16 3.50 196.02
Total Current Assets $
5.99 6.88 8.64 2.96 6.05 9.69 5.79 1.35 21.67 21.67 8.91 29.07
Net assets, bln $
1.08 1.12 1.2 1.52 1.96 2.31 3.18 0.3981 2.93 5.79 2.16 8.37
Assets, bln $
9.45 9.71 12.12 13.68 18.5 25.94 26.64 27.74 27.9 27.9 25.34 8.56
Short-Term Debt $
0.1851 0.5149 0.5635 0.2858 0.0315 0.01 0.0067 2.75 4.23 4.23 1.41 166.44
Long-Term Debt $
0.1304 0.1344 0.1488 0.1687 0.173 0.1767 0.2101 2.95 2.02 2.02 1.11 63.48
Liabilities, bln $
8.33 8.51 10.6 11.72 16.2 22.76 23.79 24.72 24.68 24.68 22.43 8.78
Net debt, bln $
0.019 0.1352 0.3851 -0.1236 -0.4601 -0.261 1.61 1.6 1.17 1.17 0.7318 -220.52
Debt, bln $
0.1715 0.4884 0.5889 0.2073 0.173 1.2 2.96 2.95 2.02 2.02 1.86 63.48
Interest Income $
0.3197 0.3442 0.375 0.469 0.5462 0.6271 0.6811 0.8296 0.9692 0.7306 12.15
Interest Expense, bln $
0.0296 0.0299 0.0428 0.0273 0.0189 0.0186 0.0413 0.326 0.4352 0.4352 0.1680 87.26
Net interest income, bln $
0.2904 0.3145 0.375 0.469 0.5462 0.6271 0.6811 0.8296 0.9692 0.9692 0.7306 12.15
Goodwill $
0.1297 0.1406 0.1471 0.1778 0.2896 0.4564 0.514 0.9854 0.9854 0.9854 0.7853 16.64
Amortization, bln $
0.003 0.003 0.0025 0.0063 0.0085 0.0104 0.0103 0.0365 0.0371 0.0371 0.0206 34.27
Cost of production, bln $
0.1383 0.109 0.0572 0.0356 0.0096 0.0101 0.013 0.012 0.0098 0.002 0.0094 -27.67
Inventory $
0.0268 0.021 0.0143 0.0075 0.0051 0.0017 0.0000 0.4856 17.45 17.45 3.59 371.35


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Average for 5 years CAGR 5
EPS 1.59 1.5 2.17 2.38 2.81 2.86 2.74 2.01 1.68 1.68 2.42 -9.78
Share price 36.23 39.39 39.62 45.99 59.05 48.47 41.32 50.22 41.26 41.26 48.06 -6.92
Number of shares, mln 76 77 83 88 94 99 110.83 110.89 113.24 113.24 105.59 3.79
FCF/share 2.24 3.11 3.13 2.38 1.87 5.08 4.04 4.07 1.98 1.98 3.41 1.15


Efficiency

IFRS
Reporting Annual Quarterly
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
ROE, % 11.04 10.05 13.4 12.11 12.48 10.38 10.07 7.6 6.09 6.09 -47.34 9.32 -13.37
ROA, % 1.31 1.22 1.67 1.63 1.66 1.28 1.15 0.8199 0.6834 0.6834 10.67 1.12 -16.26
ROIC, % 9.71 9.6 9.71 8.73 10.93 9.89 10.74 8.49 7.75 4.28 6.57 8.23 -15.42
ROS, % 47.34 47.51 49.6 46.59 46.34 34.26 28.24 16.68 16.68 16.68 26.44 28.44 -18.48
ROCE, % 18.42 18.82 2.13 2.21 1.92 1.5 1.39 0.969 -2.39 -2.39 -61.28 0.6778 -204.48
EBIT margin 41.2 45.07 44.86 41.84 33.9 -6.76 -6.76 33.41 31.78 -168.42
EBITDA margin 43.8 47.9 51.62 54.04 50.62 48.2 45.96 38.6 -3.5 -3.5 37.49 35.98 -158.61
Net margin 29.63 26.13 33.53 34.58 34.93 36.31 34.26 28.24 16.68 16.68 26.43 30.08 -13.74
Operational efficiency, % 40.64 40.96 42.57 43.01 44 49.42 48.14 98.58 98.58 98.58 31.91 67.74 17.51
Net interest margin, % 24.4 29.17 31.88 30.63 29.63 26.13 33.53 34.58 34.93 40.15 22.37 31.76 3.35
FCF yield, % 7.48 7.64 8.44 8.58 7.57 5.75 4.93 10.25 7.84 8.46 7.45 8.03


Coefficients

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
P/E
23.1 22.9 22.3 19.6 17.9 18.3 18.03 20.91 29.85 29.85 25.86 21.00 10.77
P/BV
2.4 2.5 2.2 2.2 1.9 1.82 1.92 1.54 1.76 1.76 -12.42 1.79 -1.52
P/S
6.9 7 6.3 6.8 6.1 6.44 6.18 5.91 4.98 4.98 6.65 5.92 -3.98
P/FCF
13.93 12.82 18.81 24.38 11.17 12.75 7.69 10.2 15.31 15.31 19.35 11.42 6.51
E/P
0.042 0.0525 0.0576 0.0739 0.0519 0.0531 0.0559 0.0648 0.0553 0.0553 0.05 0.0562 1.28
EV/EBIT
15.13 11.91 15.38 19.11 23.4 -101.21 -88.87 -88.87 20.36 -26.4380 -242.02
EV/EBITDA
13.32 16.77 24.01 13.71 11.92 10.12 15.05 17.39 20.55 -195.51 17.58 15.01 11.51
EV/S
7.32 7.59 6.51 5.71 8.03 7.99 7.93 6 6 6 6.87 7.19 -5.66
EV/FCF
13.37 15.61 19.49 23.37 11.12 15.81 13.87 30.45 30.45 30.45 24.70 20.34 22.32
Debt/EBITDA
10.62 2.1 0.6301 0.4481 0.4417 7.28 9.7 -180.33 -50.59 -50.59 1.93 -42.6997 -358.10
Netdebt/Ebitda
0.68 0.94 -0.46 -1.25 -0.67 3.95 5.25 -78.56 -29.3 -29.3 0.97 -19.8660 112.89
Debt/Ratio
0.88 0.87 0.86 0.88 0.88 0.1112 0.1065 0.0723 0.0723 0.0723 0.40 0.2485 -39.34
Debt/Equity
7.09 6.99 5.98 7.02 7.16 1.04 0.9783 0.6255 7.66 7.66 -1.48 3.49 1.36
Debt/Net Income
6 4.57 3.67 4.44 4.22 9.77 13.25 10.6 10.6 10.6 3.28 9.69 20.23
PEG
159.82 159.82 2.52 159.82 0.00
Beta
0.91 0.81 3.34 0.5197 -0.262 -0.262 0.56 1.06 -177.96
Altman Index
-0.29 -0.39 -0.37 -0.36 0.4819 -10.09 2.37 1.34 3.21 3.21 42.85 -0.5376 46.12


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
Div. payout, bln
0.0795 0.1117 0.0855 0.1245 0.1313 0.1456 0.1423 0.1467 0.0326 0.1465 0.1197 -24.32
Dividend
0.84 1.01 1.11 1.18 1.28 1.32 1.32 1.32 0.33 1.32 1.11 -23.75
Dividend yield, %
3.66 2.55 3.07 3 2.36 2.26 3.63 2.28 3 2.96 1.81 2.71 4.92
Dividends / profit, %
62.4 48.2 53.9 46.2 33.9 44.41 51.96 65.8 17.16 17.16 56.58 42.65 -12.73
Dividend coverage ratio
1.3 1.3 32.92 1.30 0.00


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Other

IFRS
Reporting Annual Quarterly
2020 2021 2022 2023 2024 LTM CAGR 5
CAPEX/Revenue, %
1.61 1.21 2.63 6.24 4.24 4.24 21.37
Staff, people
2 978 3 270 3 235 3 095 0.97