Glacier Bancorp, Inc.
Glacier Bancorp, Inc. Fundamental Analysis
Glacier Bancorp, Inc. (GBCI) shows moderate financial fundamentals with a PE ratio of 23.68, profit margin of 16.77%, and ROE of 6.53%. The company generates $1.4B in annual revenue with strong year-over-year growth of 11.64%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 57.8/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze GBCI's fundamental strength across five key dimensions:
Efficiency Score
WeakGBCI struggles to generate sufficient returns from assets.
Valuation Score
ExcellentGBCI trades at attractive valuation levels.
Growth Score
ModerateGBCI shows steady but slowing expansion.
Financial Health Score
ExcellentGBCI maintains a strong and stable balance sheet.
Profitability Score
ModerateGBCI maintains healthy but balanced margins.
Key Financial Metrics
Is GBCI Expensive or Cheap?
P/E Ratio
GBCI trades at 23.68 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, GBCI's PEG of -9.80 indicates potential undervaluation.
Price to Book
The market values Glacier Bancorp, Inc. at 1.34 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.46 times EBITDA. This is generally considered low.
How Well Does GBCI Make Money?
Net Profit Margin
For every $100 in sales, Glacier Bancorp, Inc. keeps $16.77 as profit after all expenses.
Operating Margin
Core operations generate 22.86 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $6.53 in profit for every $100 of shareholder equity.
ROA
Glacier Bancorp, Inc. generates $0.75 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Glacier Bancorp, Inc. generates strong operating cash flow of $374.57M, reflecting robust business health.
Free Cash Flow
Glacier Bancorp, Inc. generates strong free cash flow of $336.89M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.59 in free cash annually.
FCF Yield
GBCI converts 5.97% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
23.68
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-9.80
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.34
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.97
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.69
vs 25 benchmark
Current Ratio
Current assets to current liabilities
307.57
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How GBCI Stacks Against Its Sector Peers
| Metric | GBCI Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 23.68 | 18.50 | Worse (Expensive) |
| ROE | 6.53% | 809.00% | Weak |
| Net Margin | 16.77% | 2211.00% | Weak |
| Debt/Equity | 0.69 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 307.57 | 691.82 | Strong Liquidity |
| ROA | 0.75% | -24320.00% (disorted) | Weak |
GBCI outperforms its industry in 2 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Glacier Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
48.64%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-29.57%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-11.22%
Industry Style: Value, Dividend, Cyclical
Declining