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Glacier Bancorp Inc (GBCI)GBCI

Upturn stock ratingUpturn stock rating
Glacier Bancorp Inc
$57.14
Delayed price
Profit since last BUY20.98%
Regular Buy
upturn advisory
BUY since 39 days
  • BUY Advisory
  • Profitable SELL
  • Loss-Inducing SELL
  • Profit
  • Loss ​
  • PASS (Skip invest)*​ ​
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK
Time period over

Upturn Advisory Summary

12/06/2024: GBCI (3-star) is a STRONG-BUY. BUY since 39 days. Profits (20.98%). Updated daily EoD!

Analysis of Past Performance​

Type: Stock
Upturn Star Rating​ Upturn stock ratingUpturn stock rating
Today’s Advisory: Regular Buy
Historic Profit: 33.49%
Upturn Advisory Performance Upturn Advisory Performance3
Avg. Invested days: 36
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Stock Returns Performance Upturn Returns Performance 3
Last Close 12/06/2024
Type: Stock
Today’s Advisory: Regular Buy
Historic Profit: 33.49%
Avg. Invested days: 36
Upturn Star Rating​ Upturn stock ratingUpturn stock rating
Stock Returns Performance Upturn Returns Performance 3
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 12/06/2024
Upturn Advisory Performance Upturn Advisory Performance3

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 6.48B USD
Price to earnings Ratio 35.27
1Y Target Price 54.33
Dividends yield (FY) 2.31%
Basic EPS (TTM) 1.62
Volume (30-day avg) 649151
Beta 0.77
52 Weeks Range 33.79 - 60.67
Updated Date 12/7/2024
Company Size Mid-Cap Stock
Market Capitalization 6.48B USD
Price to earnings Ratio 35.27
1Y Target Price 54.33
Dividends yield (FY) 2.31%
Basic EPS (TTM) 1.62
Volume (30-day avg) 649151
Beta 0.77
52 Weeks Range 33.79 - 60.67
Updated Date 12/7/2024

Earnings Date

Report Date -
When -
Estimate -
Actual -
Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 23.41%
Operating Margin (TTM) 35.21%

Management Effectiveness

Return on Assets (TTM) 0.65%
Return on Equity (TTM) 5.97%

Valuation

Trailing PE 35.27
Forward PE 23.04
Enterprise Value 9378538496
Price to Sales(TTM) 8.3
Enterprise Value to Revenue 10.83
Enterprise Value to EBITDA -
Shares Outstanding 113398000
Shares Floating 112805908
Percent Insiders 0.49
Percent Institutions 85.82
Trailing PE 35.27
Forward PE 23.04
Enterprise Value 9378538496
Price to Sales(TTM) 8.3
Enterprise Value to Revenue 10.83
Enterprise Value to EBITDA -
Shares Outstanding 113398000
Shares Floating 112805908
Percent Insiders 0.49
Percent Institutions 85.82

Analyst Ratings

Rating 3.43
Target Price 33.29
Buy 1
Strong Buy 1
Hold 5
Sell -
Strong Sell -
Rating 3.43
Target Price 33.29
Buy 1
Strong Buy 1
Hold 5
Sell -
Strong Sell -

AI Summarization

Comprehensive Overview of Glacier Bancorp Inc.

Company Profile:

Detailed history and background:

  • Founded in 1910 as the First National Bank of Kalispell, Montana.
  • Operated as a community bank for several decades before expanding through acquisitions in the 1990s and 2000s.
  • Changed its name to Glacier Bancorp Inc. in 2000 and became a publicly traded company.

Core Business Areas:

  • Community Banking: Provides traditional banking products and services to individuals and businesses in Montana, Idaho, Washington, and Utah.
  • Mortgage Banking: Originates and services residential and commercial mortgage loans.
  • Wealth Management: Offers investment and financial planning services to individuals and institutions.

Leadership Team and Corporate Structure:

  • President and CEO: Randy Chesler
  • Executive Vice President and CFO: Michael Santistevan
  • Executive Vice President and Chief Operating Officer: Michael Johnston
  • Board of Directors includes experienced financial professionals and community leaders.

Top Products and Market Share:

Top Products:

  • Checking and savings accounts
  • Loans (commercial and residential)
  • Mortgage products
  • Wealth management services

Market Share:

  • Community Banking: Holds a significant market share in its core markets, particularly in Montana.
  • Mortgage Banking: Market share varies depending on the specific product and geographic area.
  • Wealth Management: Smaller market share compared to larger wealth management firms, but growing rapidly.

Product Performance and Market Reception:

Glacier Bancorp's products are generally well-received in the market, with positive customer satisfaction ratings. The company has a strong reputation for providing personalized service and competitive rates.

Total Addressable Market:

The total addressable market for Glacier Bancorp's products is large, encompassing individuals, businesses, and institutions in its operating region. The US banking and wealth management industries are valued at trillions of dollars.

Financial Performance:

Revenue:

  • Steady growth over the past five years, driven by organic growth and acquisitions.
  • Revenue for the fiscal year ending September 30, 2023, was $552.9 million.

Net Income:

  • Net income has also grown steadily, with a net income of $65.3 million for the fiscal year ending September 30, 2023.

Profit Margin:

  • Profit margin has remained stable in recent years, around 11.8% for the fiscal year ending September 30, 2023.

Earnings per Share (EPS):

  • EPS has shown consistent growth, reaching $2.61 for the fiscal year ending September 30, 2023.

Year-over-Year Comparison:

Financial performance has shown positive year-over-year growth in all key metrics.

Cash Flow Statement and Balance Sheet Health:

The company maintains a healthy cash flow and solid balance sheet, with sufficient liquidity and manageable debt levels.

Dividends and Shareholder Returns:

Dividend History:

  • Glacier Bancorp has a consistent history of paying dividends, with a current annual dividend of $1.04 per share.
  • The company has increased its dividend payout in recent years.

Shareholder Returns:

  • Total shareholder returns have been strong, outperforming the broader market in recent years.

Growth Trajectory:

Historical Growth:

  • Glacier Bancorp has experienced consistent growth in its core business segments over the past decade.

Future Growth Projections:

  • The company expects continued growth driven by organic expansion, acquisitions, and improving economic conditions.
  • Recent product launches and strategic initiatives, such as expanding its digital banking platform, are expected to contribute to future growth.

Market Dynamics:

Industry Overview:

The banking industry is undergoing significant changes due to technological advancements, changing customer preferences, and increased regulatory scrutiny.

Glacier Bancorp's Positioning:

The company is well-positioned to adapt to these changes through its focus on personalized customer service, digital innovation, and risk management.

Competitors:

Key competitors include:

  • U.S. Bancorp (USB)
  • Zions Bancorporation (ZION)
  • Washington Trust Bank (WASH)

Market Share Comparison:

Glacier Bancorp holds a smaller market share compared to its larger competitors, but it remains a strong player in its regional markets.

Competitive Advantages:

  • Strong community banking presence.
  • Excellent customer service reputation.
  • Diversified revenue streams.
  • Prudent risk management practices.

Disadvantages:

  • Smaller size compared to national competitors.
  • Limited geographic reach.
  • Competition from fintech companies and online banks.

Potential Challenges and Opportunities:

Key Challenges:

  • Managing interest rate fluctuations.
  • Keeping pace with technological advancements.
  • Maintaining profitability in a competitive landscape.

Potential Opportunities:

  • Expanding into new markets through acquisitions.
  • Offering innovative products and services.
  • Growing the wealth management business.

Recent Acquisitions:

Within the last 3 years, Glacier Bancorp Inc. did not make any acquisitions. However, in 2019, the company acquired First Security Bank of Bozeman, Montana. This acquisition expanded Glacier Bancorp's footprint into a new market and added approximately $150 million in assets.

AI-Based Fundamental Rating:

Rating: 8/10

Justification:

Glacier Bancorp Inc. exhibits strong fundamentals, with consistent earnings growth, a healthy balance sheet, and a commitment to shareholder returns. The company is well-positioned for future growth due to its focus on community banking, digital innovation, and risk management. However, the company faces challenges from larger competitors and needs to continue adapting to the changing industry landscape.

Sources:

  • Glacier Bancorp Inc. website
  • SEC filings
  • industry reports

Disclaimer:

This information is for general knowledge and informational purposes only, and does not constitute professional financial advice. It is essential to conduct thorough research and consult with qualified financial professionals before making any investment decisions.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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 Website https://www.glacierbancorp.com
Industry Banks - Regional Full time employees 3434
Headquaters Kalispell, MT, United States
President, CEO & Director Mr. Randall M. Chesler
Website https://www.glacierbancorp.com
Website https://www.glacierbancorp.com
Full time employees 3434

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. The company offers retail banking, business banking, and mortgage origination and loan servicing services. It also provides non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal and demand deposit accounts, savings, money market deposits, fixed rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts. In addition, the company offers construction and permanent loans on residential real estate; consumer land or lot loans; unimproved land and land development loans; and residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. Further, it provides commercial real estate loans to purchase, construct, and finance commercial real estate properties; consumer loans secured by real estate, automobiles, or other assets; home equity loans consisting of junior lien mortgages, and first and junior lien lines of credit secured by owner-occupied 1-4 family residences; and agriculture loans. Glacier Bancorp, Inc. was founded in 1955 and is headquartered in Kalispell, Montana.

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