GLACIER BANCORP, INC. GBCI

Latest FY: 2025 Financial Services Banks - Regional
Market Price $45.95
Market Cap $5.98B
P/E Ratio 23.09
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑23.7% YoY
$1.03B
3-Yr CAGR: 4.3%
Net Income ↑25.7% YoY
$239.03M
Net Margin: 23.2%
Free Cash Flow ↑65.7% YoY
$347.55M
FCF Yield: 5.81%
EPS (Diluted) ↑18.5% YoY
$1.99
Basic: $2.00
Return on Equity Efficiency
5.7%
ROA: 0.7%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (GBCI)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $421.8M $392.2M $121.1M $1.59 $1.10 $180.4M $172.1M
FY 2017 $457.4M +8.4% $427.5M $116.4M -3.9% $1.50 -5.7% $1.14 $254.7M $244.6M +42.1%
FY 2018 $552.3M +20.7% $516.8M $181.9M +56.3% $2.17 +44.7% $1.31 $280.7M $262.1M +7.1%
FY 2019 $634.2M +14.8% $591.4M $210.5M +15.8% $2.38 +9.7% $1.31 $226.6M $210.3M -19.8%
FY 2020 $772.6M +21.8% $745.3M $266.4M +26.5% $2.81 +18.1% $1.33 $189.5M $177.8M -15.4%
FY 2021 $807.3M +4.5% $788.8M $284.8M +6.9% $2.86 +1.8% $1.37 $572.0M $562.6M +216.4%
FY 2022 $909.1M +12.6% $867.9M $303.2M +6.5% $2.74 -4.2% $1.32 $470.7M $447.4M -20.5%
FY 2023 $809.8M -10.9% $483.8M $222.9M -26.5% $2.01 -26.6% $1.32 $500.7M $451.4M +0.9%
FY 2024 $833.1M +2.9% $397.9M $190.1M -14.7% $1.68 -16.4% $1.32 $258.0M $209.8M -53.5%
FY 2025 $1,030.4M +23.7% $623.7M $239.0M +25.7% $1.99 +18.5% $1.32 $374.4M $347.6M +65.7%
$

Valuation

Market Price $45.95
Market Cap $5.98B
Enterprise Value $5.78B
P/E Ratio 23.09
P/B Ratio 1.42
FCF Yield 5.81%
Dividend Yield 2.87%
Shares Outstanding 130,142,699
%

Profitability & Margins

Gross Margin 60.53%
Operating Margin 28.17%
Net Margin 23.20%
Return on Equity (ROE) 5.67%
Return on Assets (ROA) 0.75%
Asset Turnover 0.03x
Revenue 3-Yr CAGR 4.26%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $203.79M
Total Debt N/A
Book Value / Share $32.38
💧

Cash Flow Efficiency

Operating Cash Flow $374.40M
Capital Expenditures (CapEx) $26.85M
Free Cash Flow $347.55M
OCF / Revenue 36.33%
FCF / Revenue 33.73%
FCF 3-Yr CAGR -8.07%
🏷️

Per Share Metrics

EPS (Diluted) $1.99
EPS (Basic) $2.00
Dividends / Share $1.32
Book Value / Share $32.38
EPS YoY Growth 18.45%
🏛️

Balance Sheet (FY 2025)

Total Assets $31.98B
Total Liabilities $27.76B
Stockholders' Equity $4.21B
Current Assets N/A
Current Liabilities N/A