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Upturn AI SWOT - About
GBCI 
Glacier Bancorp Inc (GBCI)
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Upturn Advisory Summary
09/17/2025: 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 $50.83
1 Year Target Price $50.83
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 23.78% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.65B USD | Price to earnings Ratio 24.68 | 1Y Target Price 50.83 |
Price to earnings Ratio 24.68 | 1Y Target Price 50.83 | ||
Volume (30-day avg) 6 | Beta 0.83 | 52 Weeks Range 36.38 - 59.37 | Updated Date 09/17/2025 |
52 Weeks Range 36.38 - 59.37 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 2.74% | Basic EPS (TTM) 1.93 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 24.68 | Forward PE 21.37 | Enterprise Value 8242900480 | Price to Sales(TTM) 6.6 |
Enterprise Value 8242900480 | Price to Sales(TTM) 6.6 | ||
Enterprise Value to Revenue 8.19 | Enterprise Value to EBITDA - | Shares Outstanding 118553000 | Shares Floating 117907674 |
Shares Outstanding 118553000 | Shares Floating 117907674 | ||
Percent Insiders 0.8 | Percent Institutions 84.88 |
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 became a multi-bank holding company in 1991 and has grown through acquisitions, primarily in the Western U.S.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, and consumer loans, catering to individual customers.
- Wealth Management: Provides trust and investment management services to individuals, families, and businesses, including financial planning, estate planning, and investment advisory.
Leadership and Structure
Randy Chesler serves as the President and CEO. Glacier Bancorp operates as a holding company with a decentralized structure, allowing each of its community bank divisions to operate with a local focus.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial Real Estate loans are offered to clients to enable them to purchase properties for various commercial activities. Glacier Bancorp market share data is not broken down by product. Competitors include regional and national banks offering similar products.
- Mortgages: Residential mortgages for home purchases and refinancing. Glacier Bancorp market share data is not broken down by product. Competitors include national mortgage lenders and other regional banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share not broken down by product. Competitors include Chase, Bank of America, and other national and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, technological advancements, and heightened competition from both traditional and non-traditional financial institutions.
Positioning
Glacier Bancorp is positioned as a community-focused bank operating primarily in the Western U.S. Its competitive advantage lies in its local market expertise and decentralized operating model.
Total Addressable Market (TAM)
The TAM for community banking in the Western U.S. is substantial, estimated in the hundreds of billions of dollars. Glacier Bancorp is a significant player but has room to grow within this TAM by expanding its geographic presence and service offerings.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Decentralized operating model
- Experienced management team
- Solid asset quality
- Strong deposit base
Weaknesses
- Limited geographic diversification
- Dependence on acquisitions for growth
- Higher expense ratio compared to larger banks
- Vulnerable to economic downturns in its core markets
Opportunities
- Acquisitions of smaller banks in attractive markets
- Expansion of wealth management services
- Increased adoption of digital banking solutions
- Organic growth in existing markets
- Capitalizing on underserved markets in its geographic footprint.
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn in the Western U.S.
- Increased regulatory scrutiny
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- UMB Financial Corporation (UMBF)
- First Interstate BancSystem, Inc. (FIBK)
- Washington Federal, Inc. (WAFD)
Competitive Landscape
Glacier Bancorp competes with a mix of national, regional, and community banks. Its competitive advantage lies in its local market expertise and decentralized operating model. Glacier is smaller than the top national banks but has a strong regional presence.
Major Acquisitions
First Security Bank of Missoula
- Year: 2021
- Acquisition Price (USD millions): 92.3
- Strategic Rationale: Expanded Glacier's presence in Montana and increased its market share in the Missoula region.
Growth Trajectory and Initiatives
Historical Growth: Glacier Bancorp's growth has been driven primarily by acquisitions, with some organic growth in existing markets. It has a proven track record of successfully integrating acquired banks.
Future Projections: Analysts project continued revenue and earnings growth for Glacier Bancorp, driven by further acquisitions and organic growth. EPS is expected to increase by 5-7% per year over the next few years.
Recent Initiatives: Recent initiatives include expanding digital banking services, enhancing wealth management offerings, and exploring new markets for acquisitions.
Summary
Glacier Bancorp is a well-managed regional bank with a solid track record of growth through acquisitions and a strong presence in the Western U.S. Its decentralized operating model and focus on local markets provide a competitive advantage. However, its reliance on acquisitions and limited geographic diversification pose risks. Rising interest rates and economic downturns could also negatively impact its performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Analyst reports
- Financial news outlets
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is an estimate. Financial figures may be outdated. The AI-based rating is subjective and should be used in conjunction with other research.
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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