Glacier Bancorp Inc. Common Stock (GBCI)

FairStock Score: 37/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I am a value investor, so I start with what is knowable. Glacier Bancorp is a regional bank holding company serving individuals, small and medium businesses, community organizations, and public entities. The business is only as good as its underwriting and deposit franchise, and this data set does not include CET1, net interest margin, or combined ratio, so I cannot fully judge credit or capital strength. What I can see is mixed. At the close on 2026-10-13, the price was $42.97, with FairStock calculations showing a P/E of 17.68, P/B of 1.30, ROE of 7.95%, dividend yield 3.26%, beta 0.77, Piotroski 5/9, and a PEG of 0.21. The low beta and dividend are appealing, but an ROE below 10% and P/B of 1.30 are not a classic bargain for a bank unless asset quality is excellent. Filed figures show FY2025, period ended 2025-12-31, revenue $101.1M, net income $239.0M, and diluted EPS $1.99, versus FY2024, period ended 2024-12-31, revenue $94.0M, net income $190.1M, and diluted EPS $1.68—good recent annual improvement. But the computed Lynch category is SLOW GROWER — Shrinking: profit -2.1% a year over 5 years, revenue 13.1%, which argues the longer record is uneven. In fiscal Q2 2026, quarter ended 2026-06-30, net income was $97.9M and diluted EPS $0.75, a strong recent quarter; in fiscal Q1 2026, quarter ended 2026-03-31, net income was $82.1M and diluted EPS $0.63. The FairStock Score of 37/100 suggests caution. I would want CET1, NIM and credit marks before calling it a Buffett-style bank. Price looks fair, not compelling.

In plain English: Glacier Bancorp is a regional bank holding company that provides banking services to individuals, small businesses, and public groups. Recent profits have improved, and it pays a meaningful dividend, but the longer-term profit record has been uneven and returns on shareholder money are modest. At the recent price, the stock looks roughly fair to slightly cheap compared with its earnings and net assets.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer