Glacier Bancorp, Inc. (GBCI) Stock

Glacier Bancorp, Inc. (GBCI) is a Financials stock trading at $47.25 (as of 2026-08-20), with a market capitalization of $6.15B and a trailing P/E of 20.5. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Glacier Bancorp, Inc. serves as the bank holding company for Glacier Bank, providing commercial banking services in the United States. It offers deposit accounts and consumer, construction, land, and commercial real estate loans, serving individuals, small to medium-sized businesses, community organizations, and public entities.

Understand Glacier Bancorp, Inc.: how it makes money

Glacier Bancorp is the bank holding company for Glacier Bank, which provides commercial banking services, taking deposits and making loans to individuals, small to mid-sized businesses, community organizations, and public entities in the United States, including non-interest bearing and interest bearing deposit accounts and construction and permanent loans.

Glacier's profit engine is tied to growing its gross loan portfolio and funding it primarily with core deposits, while managing credit outcomes reflected in early stage delinquencies, non-performing assets, and net charge-offs.

Business quality (Mixed): The dataset includes multiple bank operating balance and credit-quality KPIs, but it does not provide an official, mutually exclusive segment revenue breakdown.

Valuation: At 23× earnings, GBCI trades 79% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Core funding base: Core Deposits are $20.7B, with Non-Interest Bearing Deposits of $7.4B, supported by deposit mix KPIs like Non-Interest Bearing Deposits as a Percentage of Core Deposits (35%).
Credit indicators remain relatively low in the provided snapshot: Early Stage Delinquencies (Accruing Loans 30-89 Days Past Due) are $0.08B, Non-Performing Assets are $0.07B, and Net Charge-Offs are $0.01B.
Reasonably sized commercial real estate exposure: Commercial Real Estate Loan Portfolio is $8.8B, giving investors a visible measure of concentration risk to monitor.

Bear case

Deposit pressure risk: Deposit Decline is $1.3B, and Core Deposits and Repo Outflow is $0.6B, which can affect funding stability.
Credit deterioration could show up before it becomes non-performing: Early Stage Delinquencies (Accruing Loans 30-89 Days Past Due) are $0.08B, and the early-stage delinquency rate is 0.21% of loans (both are metrics to watch for worsening trends).
Commercial real estate concentration: Commercial Real Estate Loan Portfolio is $8.8B, so adverse outcomes in that segment could have outsized impact versus a more diversified loan mix.

Valuation — source: SEC EDGAR (first-party)
Price	$47.25
Market Cap	$6.15B
P/E Ratio	20.5
EV / EBITDA	13.6
Price / Book	1.43
Price / Sales	6.00
FCF Yield	6.0%
DCF Value (model)	$24.90
DCF Upside vs Price	-47.3%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$101.07M
Net Margin	236.5%
Revenue Growth (YoY)	18.5%
EPS Growth (YoY)	66.7%
FCF Growth (YoY)	40.4%

Valuation vs Sector & Industry
Stock P/E	20.5
Sector P/E (Financials)	15.1
Industry P/E (Banking)	12.9
vs Sector	35.2%
vs Industry	58.4%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	BlackRock, Inc. ($715.59M)
Institutional Holders Tracked	10
Congressional Trades (recent)	3

Company
Sector	Financials
Industry	Banking
CEO	Randall Chesler
Employees	3,457
Country	US
IPO Date	1984-03-22

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.