GBCI
GLACIER BANCORP, INC.
Financials • CIK: 0000868671
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Market Cap
$5.28B
P/E (TTM)
22.1x
Rev Growth (TTM)
+7.5%
Net Margin (TTM)
236.5%
FCF Yield (TTM)
6.6%
FCF Margin (TTM)
343.9%
Cash Flow Health
Free Cash Flow7/8 positive
TTM$348M
Q4 '25
$116M+11%
Q3 '25
$105M+32%
FCF Margin
TTM343.9%
Q4 '25408.2%
Sector: 22.2%Top 10%
OCF Margin370.4%
OCF/NI1.57x
CapEx Coverage13.9x
FCF Yield6.6%
FCF Growth (2Y)-10%
Cash Conversion Cycle
0 days
DSO: 0+DIO: 0−DPO: 0
Capital Allocation & Returns
Balanced
Total Shareholder YieldEst.
Est.3.0%
Div Yield3.0%
+Est. Buyback2.2%
Balancing returns with reinvestment
Dividend & Payout Metrics
Dividend Yield (TTM)3.0%
FCF Payout Ratio45.5%
Free Cash Flow (TTM)$347.6M
Capital Return / FCF46.8%
Est. Dividends Paid (TTM)$158.1M
Estimated: Buyback data estimated from FCF. Actual repurchase data not available for this company.
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
–
P25MedianP75
(med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
–
Asset Turnover
0.00x
8Q: 0.00x
Leverage (1+D/E)
1.00x
D/E: 0.00x
Asset & CapEx Efficiency
Fixed Asset Turn
0.24x
8Q:0.36x
-35.0%
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $101.1M | $28.5M↑11.3% | $25.6M↑5.2% | $24.4M↑8.1% | $22.5M↓6.2% | $24.0M↓2.1% | $24.6M↑5.6% | $23.3M↑5.0% | $22.2M |
Operating Income | $-567.7M | $-166.0M↓16.8% | $-142.2M↓8.7% | $-130.8M↓1.5% | $-128.8M↓10.1% | $-116.9M↑2.7% | $-120.1M↓2.1% | $-117.7M↑9.2% | $-129.7M |
Net Income | $239.0M | $63.8M↓6.1% | $67.9M↑28.6% | $52.8M↓3.3% | $54.6M↓11.6% | $61.8M↑21.0% | $51.1M↑14.2% | $44.7M↑37.0% | $32.6M |
Operating Cash Flow | $374.4M | $123.5M↑9.8% | $112.4M↑30.7% | $86.0M↑64.0% | $52.4M↓48.6% | $102.0M↓32.0% | $150.1M↑139.5% | $62.7M↑210.5% | $-56.7M |
Free Cash Flow | $347.6M | $116.5M↑11.2% | $104.8M↑31.8% | $79.5M↑70.0% | $46.8M↓48.8% | $91.3M↓33.7% | $137.7M↑211.9% | $44.1M↑169.6% | $-63.4M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
22.1x
Volatile
8Q: 94.3x-3441%
Valuation Lenses
Earnings
22.1x
vs – sector
Cash Flow
12.4x
EV/FCF vs –
Growth-Adj
1.2xPEG
Fair for growth
Quality-Adj
–P/E per %ROIC
ROIC: –
Shareholder Returns
Dividend
3.0%
Buyback
–
Total Yield
3.0%
Market Cap$5.28B
EV$4.33B
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
62/100
High Quality
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Below Avg
6.8%
8Q:–
Return on Invested Capital (ROIC)
–
8Q:–
vs Sector:0.1%
Earnings Quality
Cash Conversion
1.57x
OCF / Net Income ✓
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin–
Capital Efficiency
Invested Capital Turnover–
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Moderate Growth
Growth Quality Score
53/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
7.5%
OpInc Growth YoY
-42.0%
EPS Growth YoY
17.9%
FCF 3Y CAGR
-9.6%
Growth Quality Analysis
⚠Working Capital Drag: FCF growth lagging revenue by 17.1%
Margin Quality & Sustainability
Low Quality
Profitability Cascade
Gross
—
Operating
—
Net
236.5%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
+107.4 pts
FCF: 343.9% | Net: 236.5%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Fortress
Net Debt / EBITDA
Net Cash
(0.0x)Net Cash: $1.24B
Interest Coverage
–
+Net cash position: $1.24B
Leverage Metrics
Debt-to-Equity
0.00x
Balance sheet risk & solvency analysis