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What this page is: Delvantic's full research page for Glacier Bancorp Inc. (GBCI) — AI-driven forensic equity research: mechanical valuation models (DCF, EPV, anchored-PE, scenario) plus three independent AI lenses (Quality / Value / Sentiment). Everything below is rendered server-side; you are not missing content that requires JavaScript. All scores are predictions and research opinions, not financial advice.
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reference-name attribute you can cite):
profile-header/price-overview— company profile, live quote, market capextended-analysis— the core: three AI lens reads with findings, scores, and the analyst memofuture-predictions— our forward price-band predictionsmarket-narrative/ai-findings/gpt-critique— narrative context, cross-model findings, and an adversarial critique of our own analysis (near the end of the document)- Members-only sections (render as login gates for anonymous readers):
price-history,income-trend,key-metrics,financials(statement tables),insider-trading. The analysis above is public; the raw data tables require a free account.
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any ticker resolves at delvantic.com/stock/TICKER ·
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Financial Services · Banks - Regional
Kalispell, MT 59901, United States
glacierbancorp.com
Price
$48.75
Market Cap
$6.3B
Employees
4,125
Beta
0.73
Avg Volume
1,371,343
Last Dividend
$1.32
CEO
Mr. Randall M. Chesler
Glacier Bancorp Inc. is a regional bank holding company that provides a diversified range of banking products and financial services. The primary function of Glacier Bancorp is to support community banking needs across multiple states in the western United States. With a focus on serving the retail, corporate, and small business sectors, it offers traditional banking services such as checking and savings accounts, mortgage and consumer loans, and commercial lending. Glacier Bancorp operates through a well-established network of community bank divisions, each retaining its identity and local decision-making capabilities, which underlines the firm's commitment to localized customer engagement. Notable for its acquisition strategy, Glacier has grown significantly by integrating smaller community banks, thereby reinforcing its presence across varied markets, including Montana, Idaho, and Utah. In the financial market, Glacier Bancorp Inc. is recognized for its stable growth trajectory and prudent management practices, which emphasize responsible lending and strong capital management. Its role ensures the growth and accessibility of financial services in regional communities, contributing significantly to local economic development and stability.
Runs with full report
Earnings Schedule
Checked daily · calendar updated Aug 9 No upcoming print on the calendar yet — companies typically confirm a few weeks ahead. Last print was Jul 23, 2026.
EPS surprise history — vs analyst consensus · 5 prints of vendor history
+0.0%
Oct '25
-11.3%
Jan '26
-38.8%
Mar '26
+4.5%
Apr '26
+0.0%
Jul '26
| Print date | EPS est. | EPS actual | Revenue est. | Revenue actual |
|---|---|---|---|---|
| Jul 23, 2026 | $0.76 | $0.76 +0.0% | — | — |
| Apr 23, 2026 | $0.67 | $0.70 +4.5% | — | — |
| Mar 9, 2026 | $-1.03 | $-1.43 -38.8% | — | — |
| Jan 22, 2026 | $0.62 | $0.55 -11.3% | — | — |
| Oct 16, 2025 | $0.62 | $0.62 +0.0% | — | — |
Green = beat the estimate, red = missed. An earnings print is the fastest way a thesis changes — our designations should be re-read after each one.
Recent SEC Filings
| Filed | Form | Document |
|---|---|---|
| Aug 7, 2026 | SCHEDULE 13G | View |
| Aug 4, 2026 | 10-Q | View |
| Aug 3, 2026 | 8-K | View |
| Jul 23, 2026 | 8-K | View |
| May 5, 2026 | 8-K | View |
| May 1, 2026 | 8-K | View |
| May 1, 2026 | 10-Q | View |
| Apr 29, 2026 | SCHEDULE 13G | View |
| Apr 29, 2026 | SCHEDULE 13G | View |
| Apr 23, 2026 | 8-K | View |
| Mar 26, 2026 | SCHEDULE 13G/A | View |
| Mar 13, 2026 | ARS | View |
Filings link to the SEC’s EDGAR system. Annual/quarterly reports (10-K, 10-Q, 20-F) carry the full story; 8-K/6-K current reports are the fastest signal that something material happened.
Price Overview
Last updated: Aug 9, 2026 2:53am (just now)
Current data · timestamped when a report runs
$48.75
Change · Aug 9
+0.25 (+0.52%)
Day Range
$48.02 – $49.07
52-Week Range
$39.90 – $54.58
50-Day MA
$49.96
200-Day MA
$47.01
Volume
1,062,400.00
Share Structure
Outstanding
130,202,054.00
Float
129,547,872.00
Free Float
99.5%
High free float
— 99.5% of shares trade freely, ~0.5% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
TD Twelve Data statement
HEX SEC filing
P/E Ratio (Price per dollar of earnings)
HEXStock Price / EPS (Diluted)
24.50
Stock Price: $48.75
EPS (Diluted): 1.99
EPS (Diluted): 1.99
P/B Ratio (Price vs net asset value)
HEXStock Price / Book Value Per Share
1.39
Stock Price: $48.75
Total Equity: $4.21B
Shares: 120,114,573
Total Equity: $4.21B
Shares: 120,114,573
EV/EBITDA (Total value vs operating profit)
HEXEnterprise Value / EBITDA
—
Market Cap: $6.35B
Total Debt: $0.00
Cash: $1.24B
EBITDA: N/A
Total Debt: $0.00
Cash: $1.24B
EBITDA: N/A
EBITDA not available
Enterprise Value (Takeover price (cap + debt - cash))
HEXMarket Cap + Total Debt - Cash
$5.1B
Market Cap: $6.35B
Total Debt: $0.00
Cash: $1.24B
Total Debt: $0.00
Cash: $1.24B
Gross Margin (Revenue left after direct costs)
HEXGross Profit / Revenue
—
Gross Profit: N/A
Revenue: $1.00B
Revenue: $1.00B
Missing from API: Gross Profit
Operating Margin (Revenue left after all operations)
HEXOperating Income / Revenue
—
Operating Income: N/A
Revenue: $1.00B
Revenue: $1.00B
Missing from API: Operating Income
Net Margin (Revenue left as actual profit)
HEXNet Income / Revenue
23.8%
Net Income: $239.03M
Revenue: $1.00B
Revenue: $1.00B
ROE (Profit from shareholder equity)
HEXNet Income / Total Equity
5.7%
Net Income: $239.03M
Total Equity: $4.21B
Total Equity: $4.21B
ROIC (Profit from all invested capital)
HEXNOPAT / Invested Capital
—
Operating Income: N/A
Tax Rate: 17.6%
Equity: $4.21B
Total Debt: $0.00
Cash: $1.24B
Tax Rate: 17.6%
Equity: $4.21B
Total Debt: $0.00
Cash: $1.24B
Zero debt — invested capital = equity minus cash (very efficient)
Current Ratio (Can it pay short-term bills)
HEXCurrent Assets / Current Liabilities
—
Current Assets: N/A
Current Liabilities: N/A
Current Liabilities: N/A
Missing from API: Current Assets, Current Liabilities
Debt/Equity (Leverage — debt vs equity)
HEXTotal Debt / Total Equity
0.00
Short-Term Debt: $0.00
Long-Term Debt: $0.00
Total Debt: $0.00
Total Equity: $4.21B
Long-Term Debt: $0.00
Total Debt: $0.00
Total Equity: $4.21B
Zero debt — this company carries no debt obligations. Strongest possible score.
Rev/Share (Top-line per share)
HEXRevenue / Shares Outstanding
$8.36
Revenue: $1.00B
Shares: 120,114,573
Shares: 120,114,573
Book Value/Share (Net assets per share)
HEX(Total Assets - Total Liabilities) / Shares
$35.08
Total Equity: $4.21B
Shares: 120,114,573
Shares: 120,114,573
FCF/Share (Real cash generated per share)
HEX(Operating Cash Flow + CapEx) / Shares
$2.89
Operating CF: $374.40M
CapEx: -$26.85M
Shares: 120,114,573
CapEx: -$26.85M
Shares: 120,114,573
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
TDLast Annual Dividend / Stock Price
2.7%
Last Dividend: $1.32
Stock Price: $48.75
Stock Price: $48.75
Payout Ratio (Earnings paid out as dividends)
HEXDividends Paid / Net Income
68.1%
Dividends Paid: -$162.74M
Net Income: $239.03M
Net Income: $239.03M
Income Statement (Annual)
Last updated: Aug 9, 2026 2:53am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $794.2M | $892.1M | $789.4M | $810.0M | $1.0B |
| Cost of Revenue | — | — | — | — | — |
| Gross Profit | — | — | — | — | — |
| Operating Expenses | $294.4M | $352.3M | $359.4M | $383.6M | $441.6M |
| Operating Income | — | — | — | — | — |
| Net Income | $284.8M | $303.2M | $222.9M | $190.1M | $239.0M |
| EBITDA | — | — | — | — | — |
| EPS | $2.87 | $2.74 | $2.01 | $1.68 | $2.00 |
| EPS (Diluted) | $2.86 | $2.74 | $2.01 | $1.68 | $1.99 |
Balance Sheet (Annual)
Last updated: Aug 9, 2026 2:53am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $437.7M | $402.0M | $1.4B | $848.4M | $1.2B |
| Total Current Assets | — | — | — | — | — |
| Total Assets | $25.9B | $26.6B | $27.7B | $27.9B | $32.0B |
| Current Liabilities | — | — | — | — | — |
| Long-Term Debt | — | — | — | — | — |
| Total Liabilities | $22.8B | $23.8B | $24.7B | $24.7B | $27.8B |
| Total Equity | $3.2B | $2.8B | $3.0B | $3.2B | $4.2B |
| Retained Earnings | $810.3M | $967.0M | $1.0B | $1.1B | $1.2B |
Cash Flow (Annual)
Last updated: Aug 9, 2026 2:53am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $572.0M | $470.7M | $500.7M | $258.0M | $374.4M |
| Capital Expenditure | — | -$33.8M | -$49.5M | -$48.3M | -$26.8M |
| Free Cash Flow | — | $436.9M | $451.2M | $209.8M | $347.6M |
| Acquisitions (net) | $1.6B | $0 | $0 | — | — |
| Net Debt Issued / (Repaid) | — | — | — | — | — |
| Dividends Paid | -$145.6M | -$157.5M | -$146.7M | -$150.0M | -$162.7M |
| Stock Buybacks | — | — | — | — | — |
| Net Change in Cash | — | — | — | — | — |
Growth Trends (YoY %)
Last updated: Aug 9, 2026 2:53am (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +12.3% | -11.5% | +2.6% | +24.0% |
| Gross Profit Growth | — | — | — | — |
| Operating Income Growth | — | — | — | — |
| Net Income Growth | +6.5% | -26.5% | -14.7% | +25.7% |
| EBITDA Growth | — | — | — | — |
Dividend History (Last 20)
Last updated: Aug 9, 2026 2:53am (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-07-07 | $0.33 | — | — | — |
| 2026-04-07 | $0.33 | — | — | — |
| 2025-12-09 | $0.33 | — | — | — |
| 2025-10-07 | $0.33 | — | — | — |
| 2025-07-08 | $0.33 | — | — | — |
| 2025-04-08 | $0.33 | — | — | — |
| 2024-12-10 | $0.33 | — | — | — |
| 2024-10-08 | $0.33 | — | — | — |
| 2024-07-09 | $0.33 | — | — | — |
| 2024-04-08 | $0.33 | — | — | — |
| 2023-12-04 | $0.33 | — | — | — |
| 2023-10-06 | $0.33 | — | — | — |
| 2023-07-10 | $0.33 | — | — | — |
| 2023-04-10 | $0.33 | — | — | — |
| 2022-12-05 | $0.33 | — | — | — |
| 2022-10-07 | $0.33 | — | — | — |
| 2022-07-11 | $0.33 | — | — | — |
| 2022-04-11 | $0.33 | — | — | — |
| 2022-01-10 | $0.10 | — | — | — |
| 2021-12-06 | $0.32 | — | — | — |
Industry Benchmarks
Compares GBCI against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for GBCI — it's generated by the pipeline (
market-narrative step).
Claude Reading
No AI findings yet for GBCI — they're generated by the
pipeline (
ai-findings step) when a report is run on this ticker.
GPT Reading
No GPT reading yet for GBCI — it's generated by the
pipeline (
gpt-critique step) after the other Big-3 seats, when a
report is run on this ticker.
Grok Reading
No Grok reading yet for GBCI — it's generated by the
pipeline (
grok-critique step) alongside the other Big-3 seats, when a
report is run on this ticker.
Advanced Analysis Forensic deep-dive · three lenses
Character & Durability Scorecard
Ten long-horizon business-character traits the Quality / Value / Sentiment lenses don’t break out, scored 1–10.
No scorecard yet for GBCI — the ten traits are scored by the
pipeline (
ext-scorecard step) when a report is run on this ticker.
No community reviews yet for GBCI.
Be the first — hit How to Contribute, have any AI review this page, and paste its take back here.
My Notes
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Data via Financial Modeling Prep · Cached for performance · twelvedata
v1.1.515 · 9f7cac68 · 2026-08-08 13:09:58