Glacier Bancorp, Inc. - Understand $gbci stock

$GBCI Market Cap: $6.48 Billion

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Financial Snapshot

Revenue

$859.1M

TTM

Gross Margin

Net Earnings

$182.7M

TTM

Current Assets

Current Liabilities

$1.867B

Q3 2024

Current Ratio

Total Assets

$28.21B

Q3 2024

Total Liabilities

$24.96B

Q3 2024

Book Value

$3.245B

Q3 2024

Cash

$987.8M

Q3 2024

P/E

35.46

Nov 29, 2024 EST

Free Cash Flow

$267.1M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Revenue	$88.55M	$82.85M	$681.1M	$627.1M	$546.2M	$469.0M	$375.0M	$344.2M	$319.7M	$299.9M	$263.6M	$253.8M	$280.1M	$288.4M
YoY Change	6.88%	-87.84%	8.61%	14.81%	16.46%	25.06%	8.97%	7.66%	6.59%	13.79%	3.87%	-9.41%	-2.88%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue	$88.55M	$82.85M	$681.1M	$627.1M	$546.2M	$469.0M	$375.0M	$344.2M	$319.7M	$299.9M	$263.6M	$253.8M	$280.1M	$288.4M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$37.14M	$36.49M	$32.10M	$30.80M	$27.10M	$22.30M	$17.30M	$18.30M	$17.40M	$14.90M	$12.90M	$12.70M	$12.90M	$14.00M	$13.60M	$12.90M	$11.70M	$8.700M	$6.800M	$5.700M	$5.500M	$5.600M	$6.800M	$2.900M	$2.200M	$1.800M	$1.400M	$1.100M	$1.200M	$1.000M	$700.0K	$400.0K	$200.0K	$200.0K	$300.0K
YoY Change	1.8%	13.67%	4.22%	13.65%	21.52%	28.9%	-5.46%	5.17%	16.78%	15.5%	1.57%	-1.55%	-7.86%	2.94%	5.43%	10.26%	34.48%	27.94%	19.3%	3.64%	-1.79%	-17.65%	134.48%	31.82%	22.22%	28.57%	27.27%	-8.33%	20.0%	42.86%	75.0%	100.0%	0.0%	-33.33%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Interest Expense	$326.0M	$41.26M	$18.56M	$27.32M	$42.77M	$35.53M	$29.86M	$29.63M	$29.28M	$26.97M	$28.76M	$35.71M	$44.49M	$53.63M
YoY Change	690.03%	122.34%	-32.06%	-36.14%	20.38%	18.98%	0.79%	1.22%	8.56%	-6.23%	-19.48%	-19.73%	-17.04%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Pretax Income	$267.6M	$370.3M	$349.4M	$328.0M	$259.2M	$222.2M	$181.0M	$160.8M	$150.1M	$148.7M	$125.7M	$94.59M	$17.19M	$49.67M	$38.40M	$99.30M	$103.7M	$92.40M	$77.70M	$65.60M	$56.20M	$48.80M	$33.70M	$21.60M	$19.10M	$18.00M	$16.20M	$13.80M	$14.20M	$12.20M	$8.400M	$6.600M	$4.700M	$4.100M	$4.000M	$3.000M
YoY Change	-27.73%	5.96%	6.52%	26.56%	16.64%	22.77%	12.57%	7.11%	0.98%	18.31%	32.84%	450.28%	-65.39%	29.36%	-61.33%	-4.24%	12.23%	18.92%	18.45%	16.73%	15.16%	44.81%	56.02%	13.09%	6.11%	11.11%	17.39%	-2.82%	16.39%	45.24%	27.27%	40.43%	14.63%	2.5%	33.33%
Income Tax	$44.68M	$67.08M	$64.68M	$61.64M	$48.65M	$40.33M	$64.63M	$39.66M	$34.00M	$35.91M	$30.02M	$19.08M	-$281.0K	$7.343M	$4.000M	$33.60M	$35.10M	$31.30M	$25.30M	$21.00M	$18.20M	$16.40M	$12.00M	$7.600M	$6.700M	$6.700M	$6.000M	$5.600M	$5.600M	$4.800M	$3.300M	$2.500M	$1.800M	$1.600M	$1.600M	$1.200M
% Of Pretax Income	16.7%	18.12%	18.51%	18.79%	18.77%	18.15%	35.7%	24.67%	22.65%	24.15%	23.89%	20.17%	-1.63%	14.78%	10.42%	33.84%	33.85%	33.87%	32.56%	32.01%	32.38%	33.61%	35.61%	35.19%	35.08%	37.22%	37.04%	40.58%	39.44%	39.34%	39.29%	37.88%	38.3%	39.02%	40.0%	40.0%
Net Earnings	$222.9M	$303.2M	$284.8M	$266.4M	$210.5M	$181.9M	$116.4M	$121.1M	$116.1M	$112.8M	$95.64M	$75.52M	$17.47M	$42.33M	$34.40M	$65.70M	$68.60M	$61.10M	$52.40M	$44.60M	$38.00M	$32.40M	$21.70M	$14.00M	$12.40M	$11.40M	$10.20M	$8.200M	$8.600M	$7.400M	$5.100M	$4.100M	$2.900M	$2.600M	$2.400M	$1.900M
YoY Change	-26.48%	6.48%	6.89%	26.53%	15.76%	56.28%	-3.92%	4.31%	2.99%	17.89%	26.65%	332.24%	-58.73%	23.05%	-47.64%	-4.23%	12.27%	16.6%	17.49%	17.37%	17.28%	49.31%	55.0%	12.9%	8.77%	11.76%	24.39%	-4.65%	16.22%	45.1%	24.39%	41.38%	11.54%	8.33%	26.32%
Net Earnings / Revenue	251.76%	365.96%	41.81%	42.48%	38.55%	38.78%	31.03%	35.2%	36.33%	37.6%	36.29%	29.76%	6.24%	14.68%
Basic Earnings Per Share	$2.01	$2.74	$2.87	$2.81	$2.39	$2.18	$1.50	$1.59	$1.54	$1.51	$1.31	$1.05	$0.24	$0.61
Diluted Earnings Per Share	$2.01	$2.736M	$2.86	$2.81	$2.38	$2.17	$1.50	$1.59	$1.54	$1.51	$1.31	$1.05	$0.24	$0.61	$559.3K	$1.195M	$1.277M	$1.210M	$1.096M	$955.0K	$826.1K	$720.0K	$521.6K	$469.8K	$414.7K	$387.8K	$387.8K	$326.7K	$342.6K	$300.8K	$300.0K	$248.5K	$177.9K	$159.5K	$149.1K	$121.8K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$421.8M	$398.1M	$373.0M	$325.0M	$310.0M	$242.0M	$177.0M	$176.0M	$194.0M	$179.0M	$168.0M	$159.0M	$159.0M	$152.0M	$141.0M	$134.0M	$124.0M	$111.0M	$80.00M	$56.00M	$53.00M	$47.00M	$51.00M	$25.00M	$25.00M	$17.00M	$14.00M	$11.00M	$10.00M	$7.000M	$6.000M	$6.000M	$3.000M	$3.000M	$3.000M	$3.000M
YoY Change	5.95%	6.73%	14.77%	4.84%	28.1%	36.72%	0.57%	-9.28%	8.38%	6.55%	5.66%	0.0%	4.61%	7.8%	5.22%	8.06%	11.71%	38.75%	42.86%	5.66%	12.77%	-7.84%	104.0%	0.0%	47.06%	21.43%	27.27%	10.0%	42.86%	16.67%	0.0%	100.0%	0.0%	0.0%	0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$159.1M	$193.2M	$28.00M		$2.000M	$24.00M	$38.00M	$67.00M	$58.00M	$42.00M	$44.00M	$20.00M	$31.00M	$40.00M	$41.00M	$14.00M	$0.00							$0.00	$3.000M	$0.00
YoY Change	-17.66%	589.95%			-91.67%	-36.84%	-43.28%	15.52%	38.1%	-4.55%	120.0%	-35.48%	-22.5%	-2.44%	192.86%									-100.0%
Total Long-Term Assets
YoY Change
Total Assets	$27.74B	$26.64B	$25.94B	$18.50B	$13.68B	$12.12B	$9.706B	$9.451B	$9.089B	$8.307B	$7.884B	$7.747B	$7.188B	$6.759B	$6.192B	$5.554B	$4.817B	$4.471B	$3.706B	$3.011B	$2.740B	$2.281B	$2.086B	$1.057B	$974.0M	$706.0M	$649.0M	$546.0M	$493.0M	$340.0M	$288.0M	$268.0M	$197.0M	$179.0M	$165.0M	$165.0M
YoY Change
Accounts Payable	$125.9M	$4.331M	$2.000M	$3.000M	$5.000M	$4.000M	$3.000M	$4.000M	$4.000M	$4.000M	$4.000M	$5.000M	$6.000M	$7.000M	$8.000M	$10.00M	$13.00M	$11.00M	$7.000M	$5.000M	$4.000M	$6.000M	$9.000M	$5.000M	$3.000M	$2.000M	$2.000M
YoY Change	2807.11%	116.55%	-33.33%	-40.0%	25.0%	33.33%	-25.0%	0.0%	0.0%	0.0%	-20.0%	-16.67%	-14.29%	-12.5%	-20.0%	-23.08%	18.18%	57.14%	40.0%	25.0%	-33.33%	-33.33%	80.0%	66.67%	50.0%	0.0%
Accrued Expenses	$44.32M	$46.58M	$48.00M	$50.00M	$44.00M
YoY Change	-4.85%	-2.96%	-4.0%	13.64%
Deferred Revenue
YoY Change
Short-Term Debt	$4.227B	$945.9M	$1.021B	$1.005B	$570.0M	$396.0M	$363.0M	$474.0M	$423.0M	$397.0M	$313.0M	$300.0M	$269.0M	$269.0M	$451.0M	$1.111B	$402.0M	$339.0M	$317.0M	$81.00M	$65.00M	$61.00M	$34.00M	$30.00M	$27.00M	$19.00M	$30.00M	$10.00M	$21.00M	$33.00M	$15.00M	$15.00M	$23.00M	$17.00M	$27.00M	$30.00M
YoY Change	346.85%	-7.35%	1.59%	76.32%	43.94%	9.09%	-23.42%	12.06%	6.55%	26.84%	4.33%	11.52%	0.0%	-40.35%	-59.41%	176.37%	18.58%	6.94%	291.36%	24.62%	6.56%	79.41%	13.33%	11.11%	42.11%	-36.67%	200.0%	-52.38%	-36.36%	120.0%	0.0%	-34.78%	35.29%	-37.04%	-10.0%
Long-Term Debt Due	$3.847M	$3.987M	$0.00	$0.00	$0.00
YoY Change	-3.51%
Total Short-Term Liabilities	$4.353B	$4.331M	$50.00M	$53.00M	$49.00M	$4.000M	$3.000M	$4.000M	$4.000M	$4.000M	$4.000M	$5.000M	$6.000M	$7.000M	$8.000M	$10.00M	$13.00M	$11.00M	$7.000M	$5.000M	$4.000M	$6.000M	$9.000M	$5.000M	$3.000M	$2.000M	$2.000M	$10.00M	$21.00M	$33.00M	$15.00M	$15.00M	$23.00M	$17.00M	$27.00M	$30.00M
YoY Change	100402.36%	-91.34%	-5.66%	8.16%	1125.0%	33.33%	-25.0%	0.0%	0.0%	0.0%	-20.0%	-16.67%	-14.29%	-12.5%	-20.0%	-23.08%	18.18%	57.14%	40.0%	25.0%	-33.33%	-33.33%	80.0%	66.67%	50.0%	0.0%	-80.0%	-52.38%	-36.36%	120.0%	0.0%	-34.78%	35.29%	-37.04%	-10.0%
Long-Term Debt	$214.6M	$210.1M	$177.0M	$173.0M	$169.0M	$149.0M	$134.0M	$130.0M	$132.0M	$133.0M	$134.0M	$125.0M	$125.0M	$125.0M	$125.0M	$121.0M	$119.0M	$119.0M	$85.00M	$80.00M	$35.00M	$35.00M	$35.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	2.17%	18.69%	2.31%	2.37%	13.42%	11.19%	3.08%	-1.52%	-0.75%	-0.75%	7.2%	0.0%	0.0%	0.0%	3.31%	1.68%	0.0%	40.0%	6.25%	128.57%	0.0%	0.0%
Other Long-Term Liabilities	$225.8M	$225.2M	$178.0M	$145.0M	$121.0M	$117.0M	$73.00M	$102.0M	$114.0M	$102.0M	$50.00M	$55.00M	$48.00M	$32.00M	$31.00M	$35.00M	$31.00M	$30.00M	$24.00M	$17.00M	$15.00M	$15.00M	$16.00M	$6.000M	$6.000M	$5.000M	$3.000M	$16.00M	$10.00M	$5.000M	$5.000M	$5.000M	$4.000M	$3.000M	$4.000M	$4.000M
YoY Change	0.26%	26.51%	22.76%	19.83%	3.42%	60.27%	-28.43%	-10.53%	11.76%	104.0%	-9.09%	14.58%	50.0%	3.23%	-11.43%	12.9%	3.33%	25.0%	41.18%	13.33%	0.0%	-6.25%	166.67%	0.0%	20.0%	66.67%	-81.25%	60.0%	100.0%	0.0%	0.0%	25.0%	33.33%	-25.0%	0.0%
Total Long-Term Liabilities	$440.4M	$435.3M	$355.0M	$318.0M	$290.0M	$266.0M	$207.0M	$232.0M	$246.0M	$235.0M	$184.0M	$180.0M	$173.0M	$157.0M	$156.0M	$156.0M	$150.0M	$149.0M	$109.0M	$97.00M	$50.00M	$50.00M	$51.00M	$6.000M	$6.000M	$5.000M	$3.000M	$16.00M	$10.00M	$5.000M	$5.000M	$5.000M	$4.000M	$3.000M	$4.000M	$4.000M
YoY Change	1.18%	22.61%	11.64%	9.66%	9.02%	28.5%	-10.78%	-5.69%	4.68%	27.72%	2.22%	4.05%	10.19%	0.64%	0.0%	4.0%	0.67%	36.7%	12.37%	94.0%	0.0%	-1.96%	750.0%	0.0%	20.0%	66.67%	-81.25%	60.0%	100.0%	0.0%	0.0%	25.0%	33.33%	-25.0%	0.0%
Total Liabilities	$24.72B	$23.79B	$22.76B	$16.20B	$11.72B	$10.60B	$8.507B	$8.334B	$8.013B	$7.278B	$6.921B	$6.846B	$6.338B	$5.921B	$5.506B	$4.877B	$4.289B	$4.015B	$3.373B	$2.741B	$2.502B	$2.069B	$1.909B	$959.0M	$889.0M	$628.0M	$584.0M	$494.0M	$446.0M	$307.0M	$258.0M	$242.0M	$175.0M	$159.0M	$147.0M	$147.0M
YoY Change	3.91%	4.52%	40.54%	38.16%	10.59%	24.6%	2.08%	4.01%	10.1%	5.16%	1.1%	8.02%	7.04%	7.54%	12.9%	13.71%	6.82%	19.03%	23.06%	9.55%	20.93%	8.38%	99.06%	7.87%	41.56%	7.53%	18.22%	10.76%	45.28%	18.99%	6.61%	38.29%	10.06%	8.16%	0.0%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	110.9M shares	110.8M shares	99.31M shares	94.88M shares	88.26M shares	83.60M shares	77.54M shares	76.28M shares	75.54M shares	74.64M shares	73.19M shares	71.93M shares	71.92M shares	69.66M shares
Diluted Shares Outstanding	110.9M shares	110.8M shares	99.40M shares	94.93M shares	88.39M shares	83.68M shares	77.61M shares	76.34M shares	75.60M shares	74.69M shares	73.26M shares	71.93M shares	71.92M shares	69.66M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $6.4796 Billion

About GLACIER BANCORP, INC.

Glacier Bancorp, Inc. engages in the provision of banking services to individuals and businesses. The company is headquartered in Kalispell, Montana and currently employs 3,434 full-time employees. The company went IPO on 2014-03-04. The firm provides a range of banking services to individuals and businesses from 221 locations in Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona and Nevada through its wholly owned bank subsidiary, Glacier Bank (Bank). The company offers a range of banking products and services, including retail banking, business banking, real estate, commercial, agriculture and consumer loans, and mortgage origination and loan servicing. The company serves individuals, small to medium-sized businesses, community organizations and public entities. Its bank divisions include Glacier Bank (Kalispell, Montana), First Security Bank of Missoula (Missoula, Montana), Valley Bank of Helena (Helena, Montana), First Security Bank (Bozeman, Montana), Western Security Bank (Billings, Montana), First Bank of Montana (Lewistown, Montana), First Community Bank Utah (Layton, Utah), Mountain West Bank (Coeur d’Alene, Idaho) and others.

Industry: State Commercial Banks Peers: BOK FINANCIAL CORP FIRST FINANCIAL BANKSHARES INC SouthState Corp PNC FINANCIAL SERVICES GROUP, INC. PROSPERITY BANCSHARES INC SYNOVUS FINANCIAL CORP UNITED BANKSHARES INC/WV VALLEY NATIONAL BANCORP WINTRUST FINANCIAL CORP