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Upturn AI SWOT - About
Glacier Bancorp Inc (GBCI)
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Upturn Advisory Summary
08/14/2025: GBCI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $50.33
1 Year Target Price $50.33
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 18.51% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.47B USD | Price to earnings Ratio 23.92 | 1Y Target Price 50.33 |
Price to earnings Ratio 23.92 | 1Y Target Price 50.33 | ||
Volume (30-day avg) 6 | Beta 0.79 | 52 Weeks Range 36.38 - 59.37 | Updated Date 08/15/2025 |
52 Weeks Range 36.38 - 59.37 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.82% | Basic EPS (TTM) 1.93 |
Earnings Date
Report Date 2025-07-16 | When Before Market | Estimate 0.4083 | Actual 0.5893 |
Profitability
Profit Margin 25.75% | Operating Margin (TTM) 35.16% |
Management Effectiveness
Return on Assets (TTM) 0.78% | Return on Equity (TTM) 6.6% |
Valuation
Trailing PE 23.92 | Forward PE 21.37 | Enterprise Value 8068630016 | Price to Sales(TTM) 6.4 |
Enterprise Value 8068630016 | Price to Sales(TTM) 6.4 | ||
Enterprise Value to Revenue 7.99 | Enterprise Value to EBITDA - | Shares Outstanding 118553000 | Shares Floating 117907674 |
Shares Outstanding 118553000 | Shares Floating 117907674 | ||
Percent Insiders 0.8 | Percent Institutions 81.41 |
Upturn AI SWOT
Glacier Bancorp Inc
Company Overview
History and Background
Glacier Bancorp, Inc. was founded in 1955 as First National Bank of Whitefish. It has grown through numerous acquisitions of community banks in the Western U.S.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products and services to businesses of all sizes, including term loans, lines of credit, and real estate financing.
- Retail Banking: Offers deposit accounts, consumer loans, and other retail banking services to individuals and families.
- Wealth Management: Provides wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
Glacier Bancorp operates under a holding company structure, with several community bank divisions. The CEO is Randy Chesler. The organizational structure is decentralized, allowing each community bank to maintain its local identity and focus.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans, including real estate and business loans, are a significant part of Glacier's portfolio. Market share data is not readily available at the product level, but Glacier competes with regional and national banks. Competitors: U.S. Bancorp, Wells Fargo, KeyCorp, First Interstate Bancsystem, Inc.
- Residential Mortgages: Offers residential mortgage loans. Data on market share at this product level for Glacier is unavailable. Competitors: U.S. Bancorp, Wells Fargo, Rocket Mortgage, Chase.
- Deposit Accounts: A variety of deposit accounts are offered. Precise market share information for this product isn't available. Competitors: U.S. Bancorp, Wells Fargo, local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory scrutiny, and pressure to adopt new technologies. Interest rate volatility is also a key factor.
Positioning
Glacier Bancorp is a regional bank focused on community banking in the Western U.S. Its competitive advantages include a strong local presence, customer relationships, and a decentralized operating model.
Total Addressable Market (TAM)
The TAM for banking services in the Western US is estimated to be in the hundreds of billions. Glacier is well positioned to capture more market share given the multiple states that their bank operates in.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Decentralized operating model
- Experienced management team
- Successful acquisition track record
- High asset quality
Weaknesses
- Geographic concentration in the Western U.S.
- Reliance on acquisitions for growth
- Limited international presence
- Vulnerability to economic downturns in its operating region.
Opportunities
- Further acquisitions of community banks
- Expansion into new markets within the Western U.S.
- Growth in wealth management business
- Increased adoption of digital banking technologies
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn in the Western U.S.
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- USB
- WFC
- FITB
- KEY
Competitive Landscape
Glacier Bancorp competes with larger national and regional banks, as well as smaller community banks. Its advantages include its strong local presence and customer relationships. Its disadvantages include its smaller size and geographic concentration.
Major Acquisitions
Altabank Bancorporation
- Year: 2021
- Acquisition Price (USD millions): 936.3
- Strategic Rationale: Expanded Glacier's presence in Utah, a high-growth market. Enhances deposit growth.
Growth Trajectory and Initiatives
Historical Growth: Glacier Bancorp has historically grown through acquisitions and organic growth in its existing markets.
Future Projections: Future growth projections would require analyst estimates. Placeholder: Analysts expect moderate growth in revenue and earnings.
Recent Initiatives: Recent initiatives include investments in digital banking technologies and strategic acquisitions.
Summary
Glacier Bancorp is a well-managed regional bank with a strong track record of growth through acquisitions and organic expansion. The company benefits from its decentralized operating model and focus on community banking. However, Glacier faces challenges from increased competition, rising interest rates, and potential economic downturns. The company's strong acquisitions in the past continue to push the bank forward.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Analyst Reports
- FDIC Data
- Market Data Aggregators
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Glacier Bancorp Inc
Exchange NYSE | Headquaters Kalispell, MT, United States | ||
IPO Launch date 1992-01-27 | President, CEO & Director Mr. Randall M. Chesler | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3665 | Website https://www.glacierbancorp.com |
Full time employees 3665 | Website https://www.glacierbancorp.com | ||
Glacier Bancorp, Inc. operates as the bank holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the United States. It offers retail banking; business banking; and mortgage origination and loan servicing services. The company also accepts deposit products, including non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal, demand deposit accounts, savings, money market deposits, fixed rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts. In addition, it offers construction and permanent loans on residential real estate, consumer land or lot loans, and unimproved land and land development loans, construction loans, commercial real estate loans, agricultural and consumer lending, home equity loans, and states and political subdivisions lending, as well as residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. Glacier Bancorp, Inc. was founded in 1955 and is headquartered in Kalispell, Montana.
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