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Glacier Bancorp, Inc., headquartered in Kalispell, Montana, is a Montana corporation incorporated in 2004 as a successor corporation to the Delaware corporation originally incorporated in 1990. The terms Company, we, us and our mean Glacier Bancorp, Inc. and its subsidiaries, when appropriate.
$53.57
$0.94 (-1.72%)
EOD Jul 17, 2026
805.57% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 54.8% YoY. For a bank, this often signals contracting loan book or reduced fee income.
At 25x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
25.0x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$36M
▼ -54.8% YoY
Net Income (TTM)
$267M
▲ +25.7% YoY
Net Margin
750.72%
P/E
25.0x
Balance Sheet
Total Assets
$31.73B
Equity
$4.25B
Total Debt
$83M
Cash & Equiv.
$1.39B
5Y CAGR: +15.0%
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At a P/E of 25.0 and a price-to-free-cash-flow of 18.6, Glacier Bancorp (GBCI) trades around a two-stage DCF intrinsic value of about $59.91 per share, so at $53.57 the stock looks around fair value (11.8% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Glacier Bancorp scores 66/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 2.3%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $59.91 per share for GBCI, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $44.93. At today's $53.57, that puts the stock about 11.8% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Glacier Bancorp scores 66 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Glacier Bancorp pays a regular dividend of about $1.25 per share per year (typically in quarterly installments), a yield of roughly 2.3% at the current price. That is a payout ratio of about 61.0% of earnings, so the dividend is well covered. Glacier Bancorp has grown the dividend at roughly 2.8% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For GBCI's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. GBCI currently trades around its estimated intrinsic value and scores 66/100 on quality (solid). It also yields about 2.3%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.