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Glacier Bancorp Inc(GBCI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for GBCI
09/15/2026: GBCI (2-star) is currently NOT-A-BUY. Pass it for now.
Glacier Bancorp is a regional bank holding company that utilizes a multi-bank model to provide services across the Western United States. The company is known for its disciplined acquisition strategy and focus on maintaining strong local relationships, which has historically supported stable margins and steady growth. While its conservative underwriting is a strength, the company faces risks related to geographic concentration and competition from larger national players and digital-first banks. It may suit dividend-focused and value-oriented investors looking for exposure to the regional banking sector. Key developments to monitor include interest rate trends, integration success of future acquisitions, and the company’s ability to modernize its digital banking offerings.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is primarily driven by acquisitions rather than aggressive organic disruption. |
| Momentum investor | Mixed fit | Stock performance is often tied to interest rate cycles and sector trends rather than short-term price momentum. |
| Value investor | Strong fit | The company often trades at valuations reflective of its stable, community-focused business model. |
| Dividend investor | Strong fit | Glacier has a long history of paying and growing dividends for its shareholders. |
| Low-risk investor | Strong fit | Conservative underwriting and a focus on community banking provide a stable risk profile compared to larger, more complex financial institutions. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can be sensitive to macroeconomic changes and interest rate policies. |
| Valuation risk | Low | The company typically trades within reasonable valuation multiples consistent with regional peers. |
| Competition risk (traditional and fintech banking) | Medium / high | Increased competition from digital-first banks and national players threatens traditional interest margins. |
| Business quality | Strong | A well-diversified community bank network provides a stable and reliable business foundation. |
| Dividend income | Low / none | The dividend is supported by historical cash flow stability. |
| Execution risk | Medium | Integrating new acquisitions while maintaining service quality across multiple brands requires strong management. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 26.21% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.96B USD | Price to earnings Ratio 18.75 | 1Y Target Price 56.83 |
Price to earnings Ratio 18.75 | 1Y Target Price 56.83 | ||
Volume (30-day avg) 934.7K shares | Beta 0.72 | 52 Weeks Range 39.06 - 54.58 | Updated Date 09/15/2026 |
52 Weeks Range 39.06 - 54.58 | Updated Date 09/15/2026 | ||
Dividends yield (FY) 2.88% | Basic EPS (TTM) 2.44 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The primary way they make money is by charging more interest on loans than they pay to depositors. |
| Non-Interest Income | Service fees, wealth management fees, and deposit account charges. | They also earn steady fee income from everyday banking services and managing customer assets. |
| Geography: Western US | Operations across Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, and Nevada. | Their performance is tied to the economic health of these specific Western states. |
Valuation
Trailing PE 18.75 | Forward PE 21.37 | Enterprise Value 7.17B | Price to Sales(TTM) 5.28 |
Enterprise Value 7.17B | Price to Sales(TTM) 5.28 | ||
Enterprise Value to Revenue 5.41 | Enterprise Value to EBITDA - | Shares Outstanding 130.21M | Shares Floating 129.55M |
Shares Outstanding 130.21M | Shares Floating 129.55M | ||
Percent Insiders 0.7 | Percent Institutions 88.93 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Glacier Bancorp Inc
Exchange NYSE | Headquarters 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 4125 | Website https://www.glacierbancorp.com |
Full time employees 4125 | 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 credit risk management, construction and permanent loans on residential real estate, consumer land or lot loans, 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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