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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2974
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$5.7B
Randall M. Chesler
Glacier Bancorp, Inc. provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities. The company also provides construction and permanent loans on residential real estate; consumer land or lot acquisition loans. It has 224 locations, including 188 branches and 36 loan or administration offices.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = GBCI ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$GBCI GLACIER BANCORP, INC. | 44 | 31 | 44 | 51 | 29.0x | 23.8x | 6.3% | 0.8% | 0.0% | 87.6% | 74.4% | 18.7% | 2.7% | 704.0x | $5.7B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
GLACIER BANCORP, INC. (GBCI) receives a "Reduce" rating with a composite score of 43.9/100. It ranks #2974 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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In-line with peers — no strong momentum signal
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for GBCI.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 31 | 43 | -12DRAG |
| MOMENTUM | 51 | 54 | -3NEUTRAL |
| VALUATION | 44 | 51 | -7DRAG |
| INVESTMENT | 26 | 26 | 0NEUTRAL |
| STABILITY | 42 | 38 | +4NEUTRAL |
| SHORT INT | 37 | 31 | +6ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 2.4% vs WACC 7.4% (spread -5.0%)
GM 0% vs sector 78%, OM 88% vs sector 18%
Capital turnover 0.12x
Rev growth 19%, 10yr history
Interest coverage 0.9x, Net debt/EBITDA 33.1x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate GLACIER BANCORP, INC. (GBCI) as a Reduce with a composite score of 43.9/100 at a current price of $47.79. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
GLACIER BANCORP, INC. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 43.9/100 places it at rank #2974 in our full universe.
No Moat
High
Poor
Fair Value
Stable competitive position in a defensive sector.
Leverage of 704% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
GLACIER BANCORP, INC. represents a reduce based on multi-factor quantitative performance.
GLACIER BANCORP, INC. receives a Reduce rating from our analysis, with a composite score of 43.9/100 and 2 out of 5 stars, ranking #2974 out of 7,333 stocks. GBCI's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
GBCI's quality score of 31/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 6.3% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 74.4% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 44/100, GBCI appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 29.00x, an EV/EBITDA of 23.77x, a P/B ratio of 1.82x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
GLACIER BANCORP, INC.'s investment score of 26/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 18.7% vs. a sector average of 10.7% and a return on assets of 0.8% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
GBCI demonstrates moderate momentum with a score of 51/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 18.7% year-over-year, while a beta of 1.09 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
GBCI's stability score of 42/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of 1.09 and a debt-to-equity ratio of 704.00x (sector avg: 0.5x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.
GLACIER BANCORP, INC.'s short interest score of 37/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include elevated leverage (D/E: 704.00x). At $5.7B (mid-cap), GBCI carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
GBCI pays a solid dividend yield of 2.7%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
GLACIER BANCORP, INC. is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2974 of 7,333 overall (59th percentile). Key comparisons include ROE of 6.3% trailing the 9.0% sector median and operating margins of 87.6% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While GBCI currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
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Improvement in Investment (26) would have the largest impact on the composite score.
EV/EBITDA 206% ABOVE SECTOR MEDIAN
ROE 30% BELOW SECTOR MEDIAN
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
The latest update on Glacier Bancorp centers on a refreshed valuation story, with modeled fair value moving from about US$53.83 to roughly US$56.80 per share and a slightly lower discount rate of around 7.04% instead of 7.12%. Analysts are effectively saying their assumptions now point to a price target closer to US$57, even as they trim back expected revenue growth from about 22.32% to roughly 20.39%. As you read on, keep an eye on how these shifting inputs are shaping the narrative so you...

Glacier Bancorp, Inc. has completed the acquisition of Bank of Idaho Holding Co., the bank holding company for Bank of Idaho, a community bank headquartered in Idaho Falls, Idaho. The Bank of Idaho operations will join three existing Glacier Bank divisions.

Glacier Bancorp, Inc. announced the acquisition of Bank of Idaho Holding Co., a leading community bank in Idaho. The transaction is expected to expand Glacier's presence in the fast-growing Idaho market and strengthen its position as the leading community bank in the state.

Glacier Bancorp reported strong Q2 2025 earnings with EPS of $0.45, exceeding analyst estimates, but revenue fell short. The bank showed robust loan and deposit growth, completed the Bank of Idaho acquisition, and announced a pending Texas expansion, while experiencing a significant increase in non-performing assets.