Company Analysis

Glacier Bancorp Inc (GBCI)

NYSE: GBCI · State Commercial Banks · Kalispell, MT · filing with the SEC since 1996
Grade4.6
◀ Past 4.3● Present 4.7▶ Future 5.1

The grade of Glacier Bancorp Inc

Nine metrics read from its own filings, by tense
Headline grade
4.6/10
◀ Past4.340% of the headline
● Present4.735% of the headline
▶ Future5.125% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

4.3/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
2.6/10

Has it survived what it has been through?

1 warning event since 2017; the latest 2021-12-06.

weight 45% of this tense · 26th percentile among 165 sector filers · read for itself

From the record

Glacier Bancorp Inc's filings since 2017 show 1 warning event: a notice about its exchange listing (8-K item 3.01, the latest 2021-12-06) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
7.2/10

What has it actually done, year after year?

+15.9% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 72nd percentile among 152 sector filers · read for its customers

From the record

Glacier Bancorp Inc's 10 filed years say what it did: revenue went from $344 million in fiscal 2016 to $1.3 billion in fiscal 2025, up 15.9% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span15.9%top 42% of its family
  • the share of years revenue rosetop 13% of its family
  • the share of filed years with a profittop 44% of its family
  • the deepest fall from a revenue peak0.0%top 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
4.5/10

How has it treated the people who own it?

Share count grew 2.7% a year. 41% of cash flow returned. Insiders: 0 sales, 9 purchases.

weight 33% of this tense · 46th percentile among 157 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Glacier Bancorp Inc's diluted share count grew about 2.7% a year, and dividends and buybacks returned about 41% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 9 purchases of their own stock on the open market in the year to 2026-09-30, buying about $479 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 29% of its family
  • cash returned against operating cash flowtop 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.7/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
4.0/10

Is it financially healthy right now?

ROE 6%: 6¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar.

weight 45% of this tense · 40th percentile among 161 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Glacier Bancorp Inc earned about 6 cents of profit for every dollar of shareholders' money. Leverage: it owed about 87 cents per dollar of assets, and net share issuance: its share count grew 5.9% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 16% of its family
  • return on equitybottom 14% of its family
  • the share count against the year beforebottom 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
5.4/10

How strong is its position in its industry?

top 46% of 155 in its family; net margin 18.4%.

weight 33% of this tense · 54th percentile among 155 sector filers · read for its customers

From the record

Glacier Bancorp Inc's standing among 155 graded names in its industry family: revenue of $1.3 billion in fiscal 2025 ranks in the top 17% by size; a net margin of 18.4% ranks in the bottom 36%; revenue growth of 16% a year over the last 3 filed years ranks in the bottom 42% (its annual reports).

What it rests on

  • revenue against the family$1.30Btop 17% of its family
  • net margin18.4%bottom 36% of its family
  • three-year revenue growth16.0%bottom 42% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
5.0/10

What are the people in charge doing?

top 50% of 150 in its family for leadership; chief executive since 2017.

weight 22% of this tense · 50th percentile among 150 sector filers · read for its shareholders

From the record

Glacier Bancorp Inc's leadership, from its insiders' filings and its current reports: the chief executive on the record is Chesler, Randall M (PRESIDENT/CEO, as filed), filing under that title since 2017-02-17, 9.7 years (top 33% of its family); the 13 officers and directors filing in the last fifteen months have been on the record a median of 5.8 years (bottom 31%); 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 13 people in charge now (top 47%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge4 in three years among 13 peopletop 47% of its family
  • the median years the people in charge have filed5.8 yearsbottom 31% of its family
  • the chief executive's years on the record9.7 yearstop 33% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.1/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
6.1/10

How much room does it have to grow?

top 39% of 142 in its family for room to expand.

weight 33% of this tense · 61st percentile among 142 sector filers · read for itself

From the record

Glacier Bancorp Inc's room to grow, from the newest filed statements (fiscal 2025): cash of $1.2 billion against no long-term debt tagged leaves 3.9% of its assets as net cash, top 43% of its family; cash from operations less capital spending is 26.8% of revenue (top 36%) (its annual report).

What it rests on

  • cash less debt against assets3.9%top 43% of its family
  • cash from operations less capital spending against revenue26.8%top 36% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
4.7/10

What could actually drive growth from here?

bottom 47% of 152 in its family for growth drivers.

weight 33% of this tense · 47th percentile among 152 sector filers · read for its customers

From the record

Glacier Bancorp Inc's growth drivers, from the filed years to fiscal 2025: revenue grew 16% a year over the last three filed years against 15.9% over all 10, speeding up (bottom 25% of its family); the newest year grew 13.7% (top 15%); capital spending grew -7.4% a year (bottom 31%) (its annual reports). Glacier Bancorp Inc tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+0.1 points a yearbottom 25% of its family
  • the newest year's revenue growth13.7%top 15% of its family
  • three-year growth of capital spending-7.4%bottom 31% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
4.4/10

Did its newest year beat what its own record pointed to?

bottom 44% of 150 in its family for expectations against reality.

weight 33% of this tense · 44th percentile among 150 sector filers · read for its shareholders

From the record

Glacier Bancorp Inc's newest year against its own record: revenue of $1.3 billion in fiscal 2025 came in 3% below the $1.3 billion its prior three years' pace pointed to (top 16% of its family); net income of $239 million against a prior three-year average of $239 million (bottom 26%); a net margin of 18.4% against 25% before (bottom 23%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-3.0%top 16% of its family
  • net income against the prior three years' average+0%bottom 26% of its family
  • net margin against its prior average-6.6 pointsbottom 23% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton GBCI · research, not advice