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Upturn AI Summary - About
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
11/06/2026: GBCI (3-star) is a STRONG-BUY. BUY for 8 days. Simulated Profits (0.10%). Updated daily EoD!
Glacier Bancorp is a regional bank holding company that utilizes a decentralized strategy to provide commercial and consumer banking services across the Western United States. Its primary strength lies in maintaining strong local brand loyalty through a history of steady, accretive acquisitions. The core investment story centers on the bank's long-term stability and its history of reliable dividend payments. However, the company faces risks related to interest rate sensitivity, commercial real estate exposure, and competition from both national institutions and fintechs. Glacier Bancorp may best suit value-oriented or dividend-focused investors who should monitor its ongoing acquisition efficiency and regional economic performance.
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 | While the company has grown via acquisitions, its growth profile is more steady than explosive. |
| Momentum investor | Weak fit | The stock typically trades in line with broader regional bank trends rather than high-momentum growth patterns. |
| Value investor | Strong fit | The company often trades at valuations reflective of its steady earnings and long-term business stability. |
| Dividend investor | Strong fit | Its track record of reliable, consistent dividend payments makes it attractive for income-focused portfolios. |
| Low-risk investor | Mixed fit | While reliable, the stock is subject to industry-specific volatility and interest rate sensitivity. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks are sensitive to macro events and interest rate shifts. |
| Valuation risk | Medium | The stock can become overextended if sector sentiment shifts too aggressively. |
| Competition risk (regional banking) | Medium / high | Competition from larger banks and fintechs threatens market share in core areas. |
| Business quality | Medium | The decentralized model allows for community touch but increases complexity and overhead. |
| Dividend income | Low | The dividend is a central part of the investment thesis and historically well-managed. |
| Execution risk | Medium | Continued success depends on effectively integrating future acquisitions. |
Price Behavior
Flat / Range-Bound
The stock price has been trading within a narrow range with minimal directional movement.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 36.61% | Avg. Invested days 40 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
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 6.27B USD | Price to earnings Ratio 18.11 | 1Y Target Price 56.17 |
Price to earnings Ratio 18.11 | 1Y Target Price 56.17 | ||
Volume (30-day avg) 1.2M shares | Beta 0.77 | 52 Weeks Range 38.75 - 54.14 | Updated Date 11/08/2026 |
52 Weeks Range 38.75 - 54.14 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 2.76% | Basic EPS (TTM) 2.66 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial, real estate, and consumer loans minus interest paid on deposits. | This is the primary way the bank makes money: earning more on loans than it pays out to depositors. |
| Non-Interest Income | Service fees, wealth management fees, and deposit account charges. | These are fees collected for various financial services provided to customers. |
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 0.79 | Actual 0.81 |
Profitability
Profit Margin 28.96% | Operating Margin (TTM) 44.5% |
Management Effectiveness
Return on Assets (TTM) 1.14% | Return on Equity (TTM) 8.77% |
Valuation
Trailing PE 18.11 | Forward PE 21.37 | Enterprise Value 7.00B | Price to Sales(TTM) 5.21 |
Enterprise Value 7.00B | Price to Sales(TTM) 5.21 | ||
Enterprise Value to Revenue 5.34 | Enterprise Value to EBITDA - | Shares Outstanding 130.22M | Shares Floating 129.56M |
Shares Outstanding 130.22M | Shares Floating 129.56M | ||
Percent Insiders 0.53 | Percent Institutions 89.7 |
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.
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