# Glacier Bancorp Inc. (GBCI) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $46.83, market value $6.1 billion.

## Valuation
- **P/E (trailing): 19.2×** (5-yr avg 20.6×, 3-yr avg 23.2×). Glacier Bancorp Inc. trades at 19.2× trailing earnings, close to its own five-year average of 20.6×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 13.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.70**. A PEG of 0.70 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 60.3×**. Each dollar of revenue is priced at 60.3×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 6.7%** (5-yr avg 7.5%). Free cash flow equals 6.7% of the market value, in line with its five-year average of 7.5%. Above 5% is generally attractive.
- **Earnings yield: 5.2%**. The inverse of the P/E: 5.2% of the price is earned each year.

## Profitability
- **Net margin: 236.5%**. 236.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 5.7%**. 5.7% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.7%**. Each dollar of assets produces 0.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 7.5%** (3-yr 6.9%/yr, 5-yr 13.1%/yr). Revenue grew 7.5% over the last year, against 13.1% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 18.5%** (3-yr -10.1%/yr, 5-yr -6.7%/yr). Earnings per share rose 18.5%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -7.3%/yr**. Free cash flow has compounded at -7.3% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.82%** ($1.32 per share, trailing). Glacier Bancorp Inc. yields 2.82%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 68%** (41% of free cash flow). 68% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 2**. 2 straight years of increases.
- **Dividend growth (5 yr): -0.9%/yr** (1-yr 0.0%). The dividend has not grown over five years.

## Price and momentum
- **Total return (1 yr): -3.2%** (YTD 7.7%, 3-mo -0.1%). The shares are down 3.2% over twelve months including dividends.
- **From 52-week high: -14.2%** (17.4% above the low). Trading 14% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 42**. An RSI of 42 is neutral.
- **Beta (1 yr): 0.89** (volatility 28%). Beta of 0.89 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=GBCI · Page: https://foliofundamentals.com/stocks/gbci

Not investment advice.