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Upturn AI SWOT - About
Glacier Bancorp Inc (GBCI)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/27/2025: GBCI (1-star) is currently NOT-A-BUY. Pass it for now.
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
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $48.33
Year Target Price $48.33
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 18.22% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.08B USD | Price to earnings Ratio 22.9 | 1Y Target Price 49.17 |
Price to earnings Ratio 22.9 | 1Y Target Price 49.17 | ||
Volume (30-day avg) - | Beta 0.78 | 52 Weeks Range 34.81 - 59.80 | Updated Date 06/29/2025 |
52 Weeks Range 34.81 - 59.80 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.08% | Basic EPS (TTM) 1.87 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.62% | Operating Margin (TTM) 35.21% |
Management Effectiveness
Return on Assets (TTM) 0.76% | Return on Equity (TTM) 6.63% |
Valuation
Trailing PE 22.9 | Forward PE 21.37 | Enterprise Value 7502575616 | Price to Sales(TTM) 6.13 |
Enterprise Value 7502575616 | Price to Sales(TTM) 6.13 | ||
Enterprise Value to Revenue 8.19 | Enterprise Value to EBITDA - | Shares Outstanding 118549000 | Shares Floating 112901542 |
Shares Outstanding 118549000 | Shares Floating 112901542 | ||
Percent Insiders 0.52 | Percent Institutions 81.16 |
Analyst Ratings
Rating 3.83 | Target Price 48.33 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
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 evolved into Glacier Bancorp through acquisitions and organic growth, focusing on community banking in the Western U.S.
Core Business Areas
- Community Banking: Provides a full range of commercial and retail banking services including checking, savings, and loan products tailored to local markets.
- Commercial Lending: Offers loans to businesses for working capital, equipment financing, and real estate development.
- Residential Lending: Provides mortgage loans to individuals for home purchases and refinancing.
- Wealth Management: Offers trust and investment services to individuals and businesses.
Leadership and Structure
Glacier Bancorp operates with a decentralized structure, empowering local community bank presidents. The executive leadership team at the corporate level oversees strategy and provides support. President and CEO is Randy Chesler.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data not publicly disclosed but vital for profitability. Competitors include regional and national banks such as First Interstate BancSystem (FIBK) and Wells Fargo (WFC).
- Residential Mortgages: Home loans for individuals. Market share is regional, not nationally significant. Competitors include national mortgage lenders such as Rocket Mortgage (RKT) and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts. Attracts local customers, supporting lending activities. Competitors include other banks and credit unions in their footprint.
Market Dynamics
Industry Overview
The banking industry is currently characterized by fluctuating interest rates, increased regulatory scrutiny, and growing competition from fintech companies. Regional banks are facing challenges from larger national players and new entrants.
Positioning
Glacier Bancorp positions itself as a community-focused bank with a strong presence in the Western U.S. Its competitive advantage lies in its local expertise and personalized customer service.
Total Addressable Market (TAM)
The TAM for community banking in the Western U.S. is estimated to be in the hundreds of billions of dollars. Glacier Bancorp is positioned to capture a portion of this market through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong presence in attractive Western U.S. markets
- Decentralized operating model promoting local decision-making
- History of successful acquisitions
- Solid credit quality
Weaknesses
- Geographic concentration in the Western U.S.
- Smaller scale compared to larger national banks
- Vulnerability to economic downturns in specific regions
- Limited international presence
Opportunities
- Further acquisitions of community banks in target markets
- Expansion of wealth management services
- Increased digital banking capabilities
- Capitalizing on the needs of underserved communities
Threats
- Rising interest rates impacting loan demand
- Increased competition from larger banks and fintech companies
- Regulatory changes affecting the banking industry
- Economic downturns in key markets
Competitors and Market Share
Key Competitors
- FIBK
- UMB
- WAFD
- BOKF
- ZION
Competitive Landscape
Glacier Bancorp benefits from a strong local presence and decentralized model but faces competition from larger national banks and aggressive regional players. The company competes on relationship banking and personalized services.
Major Acquisitions
Citizens Community Bancorp
- Year: 2024
- Acquisition Price (USD millions): 125.4
- Strategic Rationale: Expands Glacier's presence in Wisconsin, adds new markets and customer base.
Altabank Bancorporation
- Year: 2021
- Acquisition Price (USD millions): 934
- Strategic Rationale: Significantly expands Glacier's presence in Utah, a fast-growing market.
Growth Trajectory and Initiatives
Historical Growth: Glacier Bancorp has grown through acquisitions and organic growth in the Western U.S.
Future Projections: Analyst estimates project continued growth through acquisitions and organic expansion. These projections would be placed here, as well as year over year historical data. Such as revenue: [1000000000, 1100000000, 1200000000], EPS: [2.00, 2.20, 2.40]
Recent Initiatives: Recent initiatives include expanding digital banking services and pursuing acquisitions in attractive markets.
Summary
Glacier Bancorp exhibits strength in its community-focused banking model and strategic acquisitions within the Western US. The decentralized operating structure empowers local decision-making, enabling the company to offer tailored banking services. While it has demonstrated growth and profitability, its geographic concentration exposes it to regional economic vulnerabilities. Competition from larger banks and fintech companies necessitate continuous innovation and adaptation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Analyst Reports
- Press Releases
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
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 3457 | Website https://www.glacierbancorp.com |
Full time employees 3457 | 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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