Glacier Bancorp Inc (GBCI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Glacier Bancorp Inc stock (GBCI) is currently trading at $44.67. Glacier Bancorp Inc PE ratio is 22.45. Glacier Bancorp Inc PS ratio (Price-to-Sales) is 6.10. Analyst consensus price target for GBCI is $56.50. WallStSmart rates GBCI as Hold.
- GBCI PE ratio analysis and historical PE chart
- GBCI PS ratio (Price-to-Sales) history and trend
- GBCI intrinsic value — DCF, Graham Number, EPV models
- GBCI stock price prediction 2025 2026 2027 2028 2029 2030
- GBCI fair value vs current price
- GBCI insider transactions and insider buying
- Is GBCI undervalued or overvalued?
- Glacier Bancorp Inc financial analysis — revenue, earnings, cash flow
- GBCI Piotroski F-Score and Altman Z-Score
- GBCI analyst price target and Smart Rating
Glacier Bancorp Inc
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GBCI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Glacier Bancorp Inc (GBCI)
GBCI trades 282% above its Graham fair value of $13.53, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Glacier Bancorp Inc (GBCI) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Glacier Bancorp Inc (GBCI) Key Strengths (6)
Keeps $35 of every $100 in revenue after operating costs
Keeps $25 of every $100 in revenue as net profit
83.07% of shares held by major funds and institutions
Trading at 1.34x book value, attractively priced
Strong revenue growth at 24.50% annually
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Glacier Bancorp Inc (GBCI) Areas to Watch (4)
Earnings declining -11.20%, profits shrinking
Low profitability relative to shareholder equity
Premium valuation at 6.1x annual revenue
Growth is fairly priced, not cheap, not expensive
Supporting Valuation Data
Glacier Bancorp Inc (GBCI) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 8.8/10) while 4 fall into concern territory (avg 3.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including Price/Book (1.34) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 34.80%, Profit Margin at 25.10%. Growth metrics are encouraging with Revenue Growth at 24.50%.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, Price/Sales. Some valuation metrics including PEG Ratio (1.75), Price/Sales (6.10) suggest expensive pricing. Growth concerns include EPS Growth at -11.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 6.43%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 6.43% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 24.50% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (EPS Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
GBCI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
GBCI's Price-to-Sales ratio of 6.10x trades 28% below its historical average of 8.53x (34th percentile). The current valuation is 69% below its historical high of 19.47x set in Nov 2006, and 88% above its historical low of 3.24x in Sep 2011.
WallStSmart Analysis Synopsis
Data-driven financial summary for Glacier Bancorp Inc (GBCI) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Glacier Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 953M with 25% growth year-over-year. Profit margins are strong at 25.1%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 643.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 25.1% and operating margin of 34.8% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can Glacier Bancorp Inc maintain 25%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Glacier Bancorp Inc.
Bottom Line
Glacier Bancorp Inc offers an attractive blend of growth (25% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Glacier Bancorp Inc(GBCI)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Glacier Bancorp, Inc. is the bank holding company for Glacier Bank providing commercial banking services to individuals, small and medium-sized businesses, community organizations, and public entities in the United States. The company is headquartered in Kalispell, Montana.