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Upturn AI SWOT - About
GBCI 
Glacier Bancorp Inc (GBCI)
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Upturn Advisory Summary
10/28/2025: GBCI (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $52.5
1 Year Target Price $52.5
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 16.47% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.66B USD | Price to earnings Ratio 21.26 | 1Y Target Price 52.5 |
Price to earnings Ratio 21.26 | 1Y Target Price 52.5 | ||
Volume (30-day avg) 6 | Beta 0.8 | 52 Weeks Range 36.13 - 58.97 | Updated Date 10/28/2025 |
52 Weeks Range 36.13 - 58.97 | Updated Date 10/28/2025 | ||
Dividends yield (FY) 3.01% | Basic EPS (TTM) 2.05 |
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.62 | Actual 0.6194 |
Profitability
Profit Margin 26.32% | Operating Margin (TTM) 40.29% |
Management Effectiveness
Return on Assets (TTM) 0.83% | Return on Equity (TTM) 6.92% |
Valuation
Trailing PE 21.26 | Forward PE 21.37 | Enterprise Value 7489708544 | Price to Sales(TTM) 6.29 |
Enterprise Value 7489708544 | Price to Sales(TTM) 6.29 | ||
Enterprise Value to Revenue 8.76 | Enterprise Value to EBITDA - | Shares Outstanding 129900364 | Shares Floating 117966010 |
Shares Outstanding 129900364 | Shares Floating 117966010 | ||
Percent Insiders 0.73 | Percent Institutions 83.78 |
Upturn AI SWOT
Glacier Bancorp Inc
Company Overview
History and Background
Glacier Bancorp, Inc. was founded in 1955 and is headquartered in Kalispell, Montana. It operates as a regional bank holding company, providing commercial banking services in the Western United States through community-based banks.
Core Business Areas
- Community Banking: Offers a range of banking services including commercial and retail banking, real estate lending, and wealth management. Glacier focuses on relationship banking in local communities.
Leadership and Structure
Glacier Bancorp Inc. is led by its executive management team and overseen by a board of directors. The company operates through a decentralized structure with community bank presidents responsible for local operations.
Top Products and Market Share
Key Offerings
- Commercial Lending: Provides loans to businesses for working capital, equipment purchases, and expansion. Market share data is not precisely available but Glacier is a significant player in its regional markets. Competitors include larger national banks and other regional banks.
- Residential Mortgages: Offers mortgages to individuals for home purchases. The competition includes large national banks like Wells Fargo, Chase, and regional players.Market share data is not precisely available.
- Retail Banking: Provides checking accounts, savings accounts, and other retail banking services. Competitors include national and regional banks as well as credit unions. Market share data is not precisely available.
- Wealth Management: Offers investment management and trust services. Competitors include large investment firms and other bank-owned wealth management services. Market share data is not precisely available.
Market Dynamics
Industry Overview
The banking industry is currently navigating a rising interest rate environment, increased regulatory scrutiny, and growing competition from fintech companies. Consolidation within the banking sector continues.
Positioning
Glacier Bancorp Inc. is positioned as a community-focused bank providing personalized service. Their strategy focuses on organic growth and strategic acquisitions. Their competitive advantage is based on strong local relationships and local decision making.
Total Addressable Market (TAM)
The TAM for community banking in Glacier's geographic footprint is substantial, estimated in the tens of billions of dollars. Glacier's positioning allows it to capture a portion of this TAM through local expertise and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- History of successful acquisitions
- Decentralized operating model
- Strong asset quality
Weaknesses
- Limited geographic diversification
- Higher expense ratio compared to larger banks
- Dependence on interest income
- Smaller technology budget compared to larger players
- Susceptible to regional economic downturns
Opportunities
- Further expansion through acquisitions
- Growth in wealth management services
- Expansion into new markets
- Increased digital banking adoption
- Favorable regulatory environment for community banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns in Western U.S.
- Increased regulatory compliance costs
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- WFC
- USB
- BOKF
Competitive Landscape
Glacier Bancorp Inc. competes with larger national banks and other regional banks. Its advantage lies in its community focus and local decision-making.
Major Acquisitions
First Security Bank of Nevada
- Year: 2021
- Acquisition Price (USD millions): 83.2
- Strategic Rationale: Expanded Glacier's presence into the Nevada market.
Growth Trajectory and Initiatives
Historical Growth: Glacier Bancorp Inc. has grown historically through both organic expansion and acquisitions.
Future Projections: Future growth depends on economic conditions, acquisition strategy, and competitive environment. Analyst estimates vary.
Recent Initiatives: Recent initiatives include investments in technology and branch expansions in strategic markets.
Summary
Glacier Bancorp Inc. is a financially stable regional bank with a strong community focus. Its growth strategy of acquisitions and organic expansion has been successful. The bank faces challenges from larger competitors and economic uncertainty, but its strong local presence remains a key asset.
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Market Data Aggregators
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market data and analysis 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 3649 | Website https://www.glacierbancorp.com |
Full time employees 3649 | 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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