Glacier Bancorp, Inc.

NYSE:GBCI Stock Report

Market Cap: US$6.6b

Glacier Bancorp Valuation

Is GBCI undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of GBCI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: GBCI ($58.33) is trading above our estimate of fair value ($56.17)

Significantly Below Fair Value: GBCI is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for GBCI?

Key metric: As GBCI is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for GBCI. This is calculated by dividing GBCI's market cap by their current earnings.
What is GBCI's PE Ratio?
PE Ratio36.2x
EarningsUS$182.71m
Market CapUS$6.61b

Price to Earnings Ratio vs Peers

How does GBCI's PE Ratio compare to its peers?

The above table shows the PE ratio for GBCI vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average29.8x
BPOP Popular
13.3x16.6%US$7.1b
FFIN First Financial Bankshares
29.3x7.5%US$6.1b
UBSI United Bankshares
16.2x8.4%US$5.8b
CADE Cadence Bank
60.5x33.0%US$7.1b
GBCI Glacier Bancorp
36.2x30.9%US$6.6b

Price-To-Earnings vs Peers: GBCI is expensive based on its Price-To-Earnings Ratio (36.2x) compared to the peer average (29.8x).

Price to Earnings Ratio vs Industry

How does GBCI's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
GBCI 36.2xIndustry Avg. 13.2xNo. of Companies91PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: GBCI is expensive based on its Price-To-Earnings Ratio (36.2x) compared to the US Banks industry average (13.1x).

Price to Earnings Ratio vs Fair Ratio

What is GBCI's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

GBCI PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio36.2x
Fair PE Ratio21.3x

Price-To-Earnings vs Fair Ratio: GBCI is expensive based on its Price-To-Earnings Ratio (36.2x) compared to the estimated Fair Price-To-Earnings Ratio (21.3x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst GBCI forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$58.33
US$52.33
-10.3%
7.7%US$57.00US$45.00n/a6
Nov ’25US$51.68
US$51.57
-0.2%
7.7%US$57.00US$45.00n/a7
Oct ’25US$44.09
US$45.71
+3.7%
6.2%US$50.00US$42.00n/a7
Sep ’25US$47.30
US$44.14
-6.7%
7.0%US$49.00US$38.00n/a7
Aug ’25US$42.47
US$44.29
+4.3%
6.4%US$49.00US$39.00n/a7
Jul ’25US$37.02
US$41.43
+11.9%
7.4%US$47.00US$38.00n/a7
Jun ’25US$37.38
US$41.29
+10.4%
7.7%US$47.00US$38.00n/a7
May ’25US$36.90
US$41.29
+11.9%
7.7%US$47.00US$38.00n/a7
Apr ’25US$38.85
US$43.57
+12.2%
10.8%US$50.00US$36.00n/a7
Mar ’25US$37.52
US$44.00
+17.3%
10.7%US$50.00US$36.00n/a7
Feb ’25US$38.26
US$42.86
+12.0%
15.0%US$50.00US$32.00n/a7
Jan ’25US$41.32
US$39.57
-4.2%
16.3%US$50.00US$32.00n/a7
Dec ’24US$36.32
US$33.86
-6.8%
7.5%US$38.00US$30.00n/a7
Nov ’24US$29.87
US$33.57
+12.4%
6.3%US$36.00US$30.00US$51.687
Oct ’24US$28.50
US$33.71
+18.3%
8.5%US$39.00US$31.00US$44.097
Sep ’24US$31.33
US$34.14
+9.0%
7.7%US$39.00US$31.00US$47.307
Aug ’24US$32.52
US$32.86
+1.0%
6.8%US$37.00US$30.00US$42.477
Jul ’24US$31.17
US$36.43
+16.9%
9.0%US$42.00US$33.00US$37.027
Jun ’24US$29.40
US$38.29
+30.2%
11.2%US$47.00US$34.00US$37.387
May ’24US$31.26
US$39.29
+25.7%
10.2%US$47.00US$34.00US$36.907
Apr ’24US$42.01
US$49.57
+18.0%
6.2%US$55.00US$44.00US$38.857
Mar ’24US$47.12
US$49.86
+5.8%
5.6%US$55.00US$45.00US$37.527
Feb ’24US$46.23
US$49.83
+7.8%
6.1%US$55.00US$45.00US$38.266
Jan ’24US$49.42
US$55.50
+12.3%
8.5%US$62.00US$49.00US$41.326
Dec ’23US$57.97
US$57.00
-1.7%
10.4%US$68.00US$49.00US$36.326
Nov ’23US$57.00
US$55.83
-2.0%
7.2%US$61.00US$49.00US$29.876

Analyst Forecast: Target price is lower than the current share price.

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