Glacier Bancorp
Market Cap
US$3.5b
Last Updated
2019/09/22 23:36 UTC
Data Sources
Company Financials +
Executive Summary
Glacier Bancorp, Inc. operates as the holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the United States.
Snowflake
Fundamentals
Flawless balance sheet established dividend payer.
Similar Companies
Share Price & News
How has Glacier Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
-1.5%
GBCI
-1.1%
US Banks
-0.6%
US Market
1 Year Return
-8.1%
GBCI
-6.8%
US Banks
0.7%
US Market
GBCI underperformed the Banks industry which returned -6.9% over the past year.
GBCI underperformed the Market in United States of America which returned 0.7% over the past year.
Share holder returns
| GBCI | Industry | Market | |
|---|---|---|---|
| 7 Day | -1.5% | -1.1% | -0.6% |
| 30 Day | 4.5% | 10.7% | 4.9% |
| 90 Day | 3.6% | 5.3% | 1.7% |
| 1 Year | -5.1%-8.1% | -4.1%-6.8% | 3.0%0.7% |
| 3 Year | 55.5%41.0% | 53.8%43.2% | 44.8%35.4% |
| 5 Year | 84.4%54.3% | 63.8%46.1% | 62.0%44.3% |
Price Volatility Vs. Market
How volatile is Glacier Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 day ago | Simply Wall St
Is Now The Time To Look At Buying Glacier Bancorp, Inc. (NASDAQ:GBCI)?1 week ago | Simply Wall St
What Does Glacier Bancorp, Inc.'s (NASDAQ:GBCI) P/E Ratio Tell You?3 weeks ago | Simply Wall St
Could The Glacier Bancorp, Inc. (NASDAQ:GBCI) Ownership Structure Tell Us Something Useful?Valuation
Is Glacier Bancorp undervalued based on future cash flows and its price relative to the stock market?
3%
Discount to future cash flow value
Intrinsic Value Based on Future Cash Flows
Glacier Bancorp's share price is below the future cash flow value, but not at a moderate discount (< 20%).
Glacier Bancorp's share price is below the future cash flow value, but not at a substantial discount (< 40%).
Price Based on Earnings
Glacier Bancorp is overvalued based on earnings compared to the US Banks industry average.
Glacier Bancorp is good value based on earnings compared to the United States of America market.
Price Based on Expected Growth
Glacier Bancorp is poor value based on expected growth next year.
Price Based on Value of Assets
Glacier Bancorp is overvalued based on assets compared to the US Banks industry average.
Next Steps
Future Growth
How is Glacier Bancorp expected to perform in the next 1 to 3 years based on estimates from 6 analysts?
8.4%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Glacier Bancorp's revenue is expected to grow by 8.3% yearly, however this is not considered high growth (20% yearly).
Glacier Bancorp's earnings are expected to grow by 8.4% yearly, however this is not considered high growth (20% yearly).
Glacier Bancorp's revenue growth is expected to exceed the United States of America market average.
Glacier Bancorp's earnings growth is positive but not above the United States of America market average.
Glacier Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Earnings per Share Growth Estimates
Future Return on Equity
Glacier Bancorp is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
Next Steps
Past Performance
How has Glacier Bancorp performed over the past 5 years?
10.6%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Glacier Bancorp's year on year earnings growth rate has been positive over the past 5 years.
Glacier Bancorp's 1-year earnings growth exceeds its 5-year average (49.2% vs 10.6%)
Glacier Bancorp's earnings growth has exceeded the US Banks industry average in the past year (49.2% vs 32%).
Return on Equity
Glacier Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
Glacier Bancorp used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
Return on Capital Employed
Unable to establish if Glacier Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
Next Steps
Financial Health
How is Glacier Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Information is not available.
Information is not available.
Financial Institutions Analysis
Glacier Bancorp has an acceptable proportion of non-loan assets held.
Glacier Bancorp has a sufficient allowance for bad loans.
Glacier Bancorp's liabilities are made up of primarily low risk sources of funding.
Glacier Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
Loans at Glacier Bancorp are broadly funded by customer deposits.
Glacier Bancorp has an acceptable level of bad loans (less than 2%).
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Dividend
What is Glacier Bancorp's current dividend yield, its reliability and sustainability?
3.05%
Expected Dividend Yield
Dividend Yield and Payments Analysis
Glacier Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.44%).
Glacier Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.71%).
Dividends per share have been stable in the past 10 years.
Dividends per share have increased over the past 10 years.
Current Payout to Shareholders
Dividends paid are well covered by earnings (2.2x coverage).
Future Payout to Shareholders
Dividends after 3 years are expected to be covered by earnings (2x coverage).
Next Steps
Management
What is the CEO of Glacier Bancorp's salary, the management and board of directors tenure and is there insider trading?
12.1yrs
Average management tenure
CEO
Randy Chesler (60yo)
2.7yrs
Tenure
US$1,859,189
Compensation
Mr. Randall M. Chesler, also known as Randy, has been the President of Glacier Bank, Inc. since August 1, 2015. Mr. Chesler has been President and Chief Executive Officer of Glacier Bancorp, Inc. since Jan ...
CEO Compensation Analysis
Randy's remuneration is lower than average for companies of similar size in United States of America.
Randy's compensation has been consistent with company performance over the past year, both up more than 20%.
Management Age and Tenure
12.1yrs
Average Tenure
60yo
Average Age
The average tenure for the Glacier Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.
Board Age and Tenure
8.1yrs
Average Tenure
68yo
Average Age
The tenure for the Glacier Bancorp board of directors is about average.
Insider Trading
No 3 month open market individual insider trading information.
Recent Insider Transactions
| Entity | Individual |
| Role | Member of the Board of Directors Director |
| Shares | 25,399 |
| Max Price | US$40.36 |
Ownership Breakdown
Management Team
Marcia Johnson (60yo)
Senior VP & Chief Operating Officer
- Tenure: 0yrs
Ron Copher (61yo)
Executive VP
- Tenure: 12.5yrs
- Compensation: US$875.81k
Randy Chesler (60yo)
President
- Tenure: 2.7yrs
- Compensation: US$1.86m
Don Chery (56yo)
Executive VP & Chief Administrative Officer
- Tenure: 12.1yrs
- Compensation: US$726.30k
Paul Peterson (69yo)
Senior VP & Corporate Real Estate Manager
- Tenure: 0yrs
Barry Johnston
Senior VP & Chief Credit Officer
- Tenure: 0yrs
Ryan Screnar
Senior VP & Compliance Director
- Tenure: 0yrs
Mark MacMillan
Senior VP & Chief Information Officer
- Tenure: 0yrs
Angela Dose
Senior VP & Principal Accounting Officer
- Tenure: 0yrs
David Langston
Senior VP & Human Resources Director
- Tenure: 0yrs
Board Members
Randy Chesler (60yo)
President
- Tenure: 2.7yrs
- Compensation: US$1.86m
Dave Boyles (68yo)
Director
- Tenure: 1.2yrs
- Compensation: US$32.10k
John Murdoch (76yo)
Director
- Tenure: 14yrs
- Compensation: US$83.65k
Jim English (74yo)
Independent Director
- Tenure: 15.6yrs
- Compensation: US$96.20k
Craig Langel (68yo)
Director
- Tenure: 13.8yrs
- Compensation: US$76.02k
Douglas McBride (66yo)
Director
- Tenure: 13yrs
- Compensation: US$104.03k
Dallas Herron (74yo)
Chairman of the Board
- Tenure: 6.4yrs
- Compensation: US$99.82k
Sherry Cladouhos (63yo)
Director
- Tenure: 8.9yrs
- Compensation: US$83.21k
Annie Goodwin (60yo)
Director
- Tenure: 7.3yrs
- Compensation: US$76.02k
George Sutton (71yo)
Director
- Tenure: 2yrs
- Compensation: US$75.27k
Company Information
Glacier Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Glacier Bancorp, Inc.
- Ticker: GBCI
- Exchange: NasdaqGS
- Founded: 2004
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$3.528b
- Shares outstanding: 86.64m
- Website: https://www.glacierbancorp.com
Number of Employees
Location
- Glacier Bancorp, Inc.
- 49 Commons Loop
- Kalispell
- Montana
- 59901
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| GBCI | NasdaqGS (Nasdaq Global Select) | Yes | Common Stock | US | USD | Mar 1984 |
| GLC | DB (Deutsche Boerse AG) | Yes | Common Stock | DE | EUR | Mar 1984 |
Biography
Glacier Bancorp, Inc. operates as the holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entiti ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/09/22 23:36 |
| End of Day Share Price | 2019/09/20 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.