Glacier Bancorp, Inc.
Description
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.
About
CEO
Mr. Randall M. Chesler
Employees
3,434
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNYS
Address
49 Commons Loop, Kalispell, MT 59901, United States
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Oscillators
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Summary
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Moving Averages
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Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Jan 21, 2026 | — | — | — | — |
| Oct 22, 2025 | — | — | — | — |
| Jul 16, 2025 | — | — | — | — |
| Apr 16, 2025 | — | — | — | — |
| Jan 24, 2025 | 0.52 | 0.54 | 0.02 | 3.85% |
Earnings estimate
|
Current Quarter
(Mar 2025)
|
Next Quarter
(Jun 2025)
|
Current Year
(Dec 2025)
|
Next Year
(Dec 2026)
|
|
|---|---|---|---|---|
| Number of analysts | 5 | 5 | 5 | 6 |
| Average estimate | 0.46 | 0.50 | 2.27 | 3.03 |
| Low estimate | 0.43 | 0.42 | 2.16 | 2.87 |
| High estimate | 0.49 | 0.64 | 2.43 | 3.18 |
| Last year EPS | 0.34 | 0.39 | 1.75 | 2.27 |
[stock_revenue_estimate]
Growth estimates
Current qtr (Mar 2025)
36.470%
Next qtr. (Jun 2025)
29.230%
Current year (Dec 2025)
29.940%
Next year (Dec 2026)
33.170%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 789.44M | 892.11M | 794.18M | 762.76M | 610.54M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 359.42M | 352.34M | 294.37M | 270.83M | 238.51M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 267.61M | 370.28M | 349.44M | 328.04M | 259.19M |
| Tax provision | 44.68M | 67.08M | 64.68M | 61.64M | 48.65M |
| Net income | 222.93M | 303.20M | 284.76M | 266.40M | 210.54M |
| Basic EPS | 2.01 | 2.74 | 2.87 | 2.81 | 2.39 |
| Diluted EPS | 2.01 | 2.74 | 2.86 | 2.81 | 2.38 |
| Basic average shares | 110.86M | 110.76M | 99.31M | 94.83M | 88.26M |
| Diluted average shares | 110.86M | 110.76M | 99.31M | 94.83M | 88.26M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 222.93M | 303.20M | 284.76M | 266.40M | 210.54M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | 246.53M | 300.19M | 198.09M | 227.11M | 198.64M |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 1.35B | 402.00M | 437.69M | 633.14M | 330.96M |
| Other short term investments | 4.79B | 5.31B | 9.17B | 5.34B | 2.58B |
| Accounts receivable | 94.53M | 83.54M | 76.67M | 75.50M | 56.05M |
| Other receivables | — | — | — | — | — |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | — | — |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | 65.06M | 71.05M | 50.18M | 52.55M | 47.07M |
| Land and improvements | 76.56M | 74.29M | 75.11M | 56.84M | 52.74M |
| Machinery furniture equipment | 120.10M | 115.37M | 113.65M | 102.75M | 96.58M |
| Construction in progress | — | — | — | — | — |
| Leases | 16.33M | 15.39M | 14.94M | 13.36M | 11.14M |
| Accumulated depreciation | -201.16M | -184.85M | -173.65M | -159.56M | -148.37M |
| Goodwill | 2.00B | 2.01B | 2.02B | 1.08B | 976.12M |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | 31.87M | 41.60M | 52.26M | 55.51M | 63.29M |
| Investments and advances | 8.30B | 9.10B | 10.38B | 5.54B | 2.81B |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | 125.91M | 4.33M | 2.41M | 3.31M | 4.69M |
| Accrued expenses | — | — | — | — | — |
| Short term debt | — | — | — | — | — |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 2.95B | 2.01B | 176.71M | 173.03M | 207.35M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | 23.86M | — |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 1.11M | 1.11M | 1.11M | 954,000 | 923,000 |
| Retained earnings | 1.04B | 966.98M | 810.34M | 667.94M | 541.05M |
| Other shareholders equity | -374.11M | -468.79M | 27.36M | 143.09M | 40.23M |
| Total shareholders equity | 3.02B | 2.84B | 3.18B | 2.31B | 1.96B |
| Additional paid in capital | 2.35B | 2.34B | 2.34B | 1.50B | 1.38B |
| Treasury stock | — | — | — | — | — |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||||||||||||||||||||
| Net Income | 222.93M | 303.20M | 284.76M | 266.40M | 210.54M | 181.88M | 116.38M | 121.13M | 116.13M | 112.76M | 95.64M | 75.52M | 17.47M | 42.33M | 34.37M | 65.66M | 68.60M | 61.13M | 52.37M | 44.62M | 38.01M | 32.40M | 21.69M | 14.00M | 12.35M | 11.38M | 10.24M | 8.20M | 8.00M | 5.10M | 5.10M | 4.10M | 2.90M |
| Depreciation | 37.14M | 36.49M | 32.04M | 30.79M | 27.08M | 22.29M | 17.25M | 18.26M | 17.33M | 14.92M | 12.89M | 12.73M | 12.92M | 13.99M | 13.57M | 14.27M | 14.45M | 13.62M | 15.67M | 16.90M | 19.89M | 11.26M | 10.13M | 3.02M | 2.38M | 1.57M | 1.36M | 1.10M | 1.30M | 900,000 | 800,000 | 300,000 | 200,000 |
| Deferred Taxes | 507,000 | 2.18M | -9.10M | -6.86M | -356,000 | 6.86M | 25.89M | -82,000 | -4.08M | 5.93M | 4.63M | 837,000 | -13.31M | 138,000 | -29.76M | -11.03M | 1.57M | -931,000 | -2.20M | 284,000 | 721,000 | 1.47M | 593,000 | -139,000 | -207,000 | -99,000 | -317,000 | -100,000 | — | -300,000 | 600,000 | 600,000 | -100,000 |
| Stock-Based Compensation | 5.93M | 5.37M | 4.35M | 3.63M | 7.48M | 3.12M | 2.95M | 1.84M | 1.70M | 859,000 | 1.01M | 254,000 | 45,000 | 932,000 | 1.86M | 1.69M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Non-Cash Items | 130.47M | 114.67M | 257.26M | 31.40M | 13.52M | 63.88M | 97.42M | 58.98M | 39.78M | 35.10M | 167.80M | 29.11M | 37.98M | -23,000 | -89,000 | 26.21M | 5.55M | 6.12M | 13.93M | 14.89M | 47.22M | -15.55M | -35.15M | 22.99M | 26.37M | 7.68M | 12.43M | -900,000 | -100,000 | 200,000 | -300,000 | -1.10M | 1.00M |
| Accounts Receivable | -10.99M | -6.87M | 5.12M | -17.66M | 1.90M | -2.74M | 2.47M | -1.14M | -2.38M | 2.65M | -265,000 | -2.81M | -4.72M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Accounts Payable | 121.58M | 1.92M | -1.22M | -1.51M | 312,000 | 357,000 | -135,000 | 60,000 | -828,000 | 567,000 | -1.35M | -1.15M | -1.42M | -683,000 | -2.24M | -5.79M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Assets & Liabilities | -18.09M | -17.99M | 8.78M | -15.09M | 5.33M | 12.00M | -3.42M | -109,000 | 5.28M | -2.18M | 10.78M | 8.01M | 16.68M | 7.91M | -31.68M | -3.16M | 10.60M | -3.20M | 6.97M | -93,000 | -1.26M | -6.35M | -21.62M | 742,000 | -1.48M | 2.53M | -8.17M | 3.40M | 2.00M | — | — | — | -200,000 |
| Operating Cash Flow | 489.47M | 438.97M | 581.98M | 291.10M | 265.80M | 287.65M | 258.80M | 198.94M | 172.92M | 170.60M | 291.14M | 122.50M | 65.64M | 64.60M | -13.96M | 87.83M | 100.77M | 76.75M | 86.72M | 76.60M | 104.58M | 23.23M | -24.35M | 40.62M | 39.43M | 23.05M | 15.54M | 11.70M | 11.20M | 5.90M | 6.20M | 3.90M | 3.80M |
| Investing Activities | |||||||||||||||||||||||||||||||||
| Capital Expenditures | -49.28M | -23.24M | -9.44M | -11.72M | -16.40M | -18.64M | -10.13M | -8.31M | -18.22M | -14.39M | -8.98M | -10.73M | -17.49M | -22.65M | 2.90M | -11.04M | -18.03M | -22.24M | -17.36M | -7.03M | -7.58M | -828,000 | -53.13M | -3.31M | -5.80M | -4.79M | -2.14M | -2.20M | -1.30M | -1.30M | -800,000 | -500,000 | -300,000 |
| Net Intangibles | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | — | 1.62B | 43.71M | 62.99M | 101.27M | -4.09M | 6.70M | 21.43M | -2.11M | 26.16M | — | — | — | — | — | 2.11M | 43.09M | 6.27M | 14.52M | -243,000 | — | 109.04M | — | -4.74M | -236,000 | 371,000 | — | — | — | — | — | — |
| Purchase of Investments | -585.32M | -1.47B | -6.56B | -3.34B | -1.32B | -946.26M | -122.15M | -660.52M | -1.18B | -331.02M | -1.43B | -2.64B | -1.73B | -1.67B | -768.05M | -591.19M | -92.57M | -59.46M | -166.90M | -318.42M | -716.43M | -433.28M | -299.36M | -27.81M | -144.64M | -38.93M | -40.94M | -74.00M | -49.50M | -36.80M | -13.50M | -13.40M | 21.90M |
| Sale of Investments | 1.49B | 2.01B | 1.51B | 868.23M | 1.60B | 748.77M | 788.24M | 823.84M | 860.21M | 807.34M | 1.86B | 2.04B | 1.04B | 700.18M | 352.53M | 280.05M | 273.32M | 223.06M | 419.52M | 317.27M | 389.40M | 206.55M | 183.75M | 34.04M | 51.18M | 47.92M | 42.60M | 59.30M | 28.20M | 18.60M | 24.90M | 12.20M | -36.70M |
| Investing Cash Flow | 859.92M | 511.88M | -3.44B | -2.43B | 330.65M | -104.15M | 664.64M | 172.29M | -305.36M | 475.53M | 484.37M | -564.68M | -661.17M | -988.64M | -412.62M | 711.21M | -211.92M | -231.74M | -164.52M | -271.74M | -453.88M | -187.05M | 18.72M | -104.96M | -221.19M | -46.34M | -52.45M | -60.20M | -58.60M | -56.50M | -18.00M | -19.70M | -15.10M |
| Financing Activities | |||||||||||||||||||||||||||||||||
| Long-Term Debt Issuance | 2.74B | 9.12M | 3.53M | 30.56M | 14.11M | — | 150.00M | — | 49.82M | 192.50M | 1.15B | 180,000 | 103.91M | 174.77M | 452.28M | 914.00M | 231.43M | 65.00M | — | 45.00M | — | — | — | — | 87.97M | — | — | 27.50M | — | — | 18.00M | 260.80M | — |
| Long-Term Debt Payments | -1.80B | — | — | -38.59M | -406.16M | -6.26M | -204.41M | -46.09M | -95.33M | -315.67M | -1.11B | -72.03M | — | — | — | -216.45M | — | -131.22M | -439.55M | — | — | — | -143,000 | -14.06M | 75.14M | -28.59M | -1.80M | — | — | — | — | -268.80M | 13.00M |
| Other Financing Charges | -1.80M | -1.70M | -1.55M | -1.08M | -1.29M | -1.21M | -1.53M | -600,000 | -489,000 | 138,000 | -223,000 | -8,000 | — | -4,000 | 75,000 | 1.33M | 1.75M | 1.22M | — | — | — | — | -8,000 | — | — | — | 300,000 | 100,000 | 300,000 | 18.00M | -100,000 | 300,000 | — |
| Financing Cash Flow | -1.01B | 1.65B | -143.58M | -170.37M | -772.81M | -7.96M | -30.46M | -230.73M | 14.54M | -594.98M | -208.26M | -119.33M | 66.51M | 137.37M | 420.33M | 680.12M | 269.11M | -75.07M | -222.60M | 86.24M | 282.74M | 132.48M | -8.19M | -15.85M | 159.72M | -37.26M | 4.49M | 15.60M | 22.60M | 44.20M | 16.50M | 2.70M | 12.00M |
| Other Cash Details | |||||||||||||||||||||||||||||||||
| End Cash Position | 1.35B | 402.00M | 437.69M | 633.14M | 330.96M | 203.79M | 200.00M | 152.54M | 193.25M | 442.41M | 155.66M | 187.04M | 128.03M | 105.09M | 210.58M | 135.26M | 227.61M | 173.02M | 132.61M | 91.00M | 86.14M | 79.38M | 97.43M | 51.79M | 52.37M | 51.30M | 38.69M | — | — | — | — | — | — |
| Income Tax Paid | 27.93M | 55.20M | 67.31M | 63.02M | 36.82M | 26.49M | 40.22M | 36.23M | 39.62M | 33.34M | 23.58M | 21.26M | 7.93M | 9.37M | 36.78M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Paid | 204.40M | 39.34M | 19.78M | 28.82M | 42.46M | 35.17M | 30.00M | 29.58M | 30.10M | 26.40M | 30.11M | 36.87M | 45.91M | 54.32M | 59.41M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Free Cash Flow | 451.43M | 447.42M | 562.61M | 177.83M | 210.25M | 262.07M | 244.61M | 184.78M | 158.55M | 168.35M | 325.12M | 173.06M | 169.35M | 171.29M | 84.88M | 71.88M | 70.43M | 45.48M | 59.63M | 62.76M | 87.71M | 15.79M | -81.12M | 34.94M | 30.97M | 13.71M | 13.95M | 8.90M | 10.70M | 4.20M | 4.90M | 3.10M | 3.80M |
Top Institutional Holders
| Holder | Date Reported | Shares | Value | % Held |
|---|---|---|---|---|
| Smallcap World Fund | Sep 30, 2024 | 6,064,324 | 301.76M | 5.35% |
| iShares Core S&P Midcap ETF | Nov 30, 2024 | 3,644,648 | 181.36M | 3.21% |
| Vanguard Total Stock Market Index Fund | Sep 30, 2024 | 3,622,403 | 180.25M | 3.19% |
| iShares Russell 2000 ETF | Nov 30, 2024 | 3,261,657 | 162.30M | 2.88% |
| Vanguard Small-Cap Index Fund | Sep 30, 2024 | 2,838,104 | 141.22M | 2.50% |
| Vanguard Small Cap Value Index Fund | Sep 30, 2024 | 1,921,498 | 95.61M | 1.69% |
| Neuberger & Berman Genesis Fund | Nov 30, 2024 | 1,889,251 | 94.01M | 1.67% |
| Vanguard Selected Value Fund | Oct 31, 2024 | 1,724,551 | 85.81M | 1.52% |
| Vanguard Extended Market Index Fund | Sep 30, 2024 | 1,698,018 | 84.49M | 1.50% |
| Fidelity Small Cap Index Fund | Oct 31, 2024 | 1,163,279 | 57.88M | 1.03% |
Article
Glacier Bancorp, Inc. (GBCI) Q4 2024 Earnings Call Transcript
Glacier Bancorp, Inc. (NYSE:GBCI ) Q4 2024 Earnings Conference Call January 24, 2025 11:00 AM ET Company Participants Randy Chesler - President and Chief Executive Officer Byron Pollan - Treasurer Tom Dolan - Chief Credit Administrator Ron Copher - Chief Financial Officer Conference Call Participants Jeff Rulis - D.A. Davidson Matthew Clark - Piper Sandler David Feaster - Raymond James Andrew Terell - Stephens Kelly Motta - KBW Operator Good day, and thank you for standing by.
Jan 24, 2025
Article
Glacier Bancorp (GBCI) Reports Q4 Earnings: What Key Metrics Have to Say
Although the revenue and EPS for Glacier Bancorp (GBCI) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Jan 24, 2025
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Glacier Bancorp (GBCI) Beats Q4 Earnings and Revenue Estimates
Glacier Bancorp (GBCI) came out with quarterly earnings of $0.54 per share, beating the Zacks Consensus Estimate of $0.53 per share. This compares to earnings of $0.49 per share a year ago.
Jan 23, 2025
