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Glacier Bancorp Inc (GBCI)GBCI
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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 | Today’s Advisory: Regular Buy |
Historic Profit: 33.49% | Upturn Advisory Performance 3 | Avg. Invested days: 36 |
Profits based on simulation | Stock 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 | Stock Returns Performance 3 |
Profits based on simulation Last Close 12/06/2024 | Upturn Advisory Performance 3 |
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.
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 | 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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