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Upturn AI SWOT - About
Glacier Bancorp Inc (GBCI)
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Upturn Advisory Summary
03/27/2025: GBCI (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 17.58% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.97B USD | Price to earnings Ratio 26.08 | 1Y Target Price 57.17 |
Price to earnings Ratio 26.08 | 1Y Target Price 57.17 | ||
Volume (30-day avg) 721472 | Beta 0.77 | 52 Weeks Range 33.59 - 60.31 | Updated Date 03/30/2025 |
52 Weeks Range 33.59 - 60.31 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 3.01% | Basic EPS (TTM) 1.68 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.69% | Operating Margin (TTM) 38.96% |
Management Effectiveness
Return on Assets (TTM) 0.68% | Return on Equity (TTM) 6.09% |
Valuation
Trailing PE 26.08 | Forward PE 21.37 | Enterprise Value 7952511488 | Price to Sales(TTM) 6.2 |
Enterprise Value 7952511488 | Price to Sales(TTM) 6.2 | ||
Enterprise Value to Revenue 8.63 | Enterprise Value to EBITDA - | Shares Outstanding 113505000 | Shares Floating 112759807 |
Shares Outstanding 113505000 | Shares Floating 112759807 | ||
Percent Insiders 0.54 | Percent Institutions 86.2 |
Analyst Ratings
Rating 3.5 | Target Price 57 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Glacier Bancorp Inc
Company Overview
History and Background
Glacier Bancorp, Inc. was founded in 1955 as First National Bank of Whitefish. It has grown through numerous acquisitions to become a regional bank holding company operating primarily in the Western U.S.
Core Business Areas
- Community Banking: Provides a range of banking services, including commercial and consumer loans, deposit accounts, and treasury management services, to individuals, small to medium-sized businesses, and public entities.
- Wealth Management: Offers trust and investment management services.
Leadership and Structure
Glacier Bancorp operates under a traditional corporate structure with a board of directors overseeing the executive management team. The CEO leads the company's overall strategy and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses for various purposes, competing with national and regional banks. Market share data is not precisely available, but Glacier Bancorp focuses on specific western regions. Competitors include Wells Fargo, US Bancorp, and other regional players like KeyCorp.
- Residential Mortgages: Provides mortgage loans to individuals. Market share varies by location. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions.
- Deposit Accounts: Offers checking, savings, and money market accounts. Competitors include all banks and credit unions operating in its geographic footprint.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges and opportunities. Interest rates, regulatory changes, and technological advancements are impacting operations.
Positioning
Glacier Bancorp positions itself as a strong community bank with a focus on customer relationships and local market expertise. Their strength is the community in which they operate and a personal relationship with the customer.
Total Addressable Market (TAM)
The TAM is the total value of all banking services across Glacier Bancorp's geographical markets. The bank is positioned to target portions of this market, with its success dependent on its local presence and relationship banking approach. It has a TAM over of $100B.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Solid credit quality
- History of successful acquisitions
- Strong community relationships
Weaknesses
- Limited geographic diversification
- Reliance on interest income
- Higher expense from continued acquisitions
Opportunities
- Further expansion through acquisitions
- Growth in wealth management business
- Increase in digital banking adoption
- Growing population in its Western markets
Threats
- Increased competition from larger banks and fintech companies
- Changes in interest rates
- Economic downturns
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- WFC
- USB
- KEY
Competitive Landscape
Glacier Bancorp competes with larger national and regional banks, as well as smaller community banks and credit unions. Its advantage lies in its local market expertise and personalized customer service.
Major Acquisitions
First Security Bank of Missoula
- Year: 2019
- Acquisition Price (USD millions): 92.8
- Strategic Rationale: Expanded Glacier Bancorp's presence in Montana and strengthened its market share.
Growth Trajectory and Initiatives
Historical Growth: Glacier Bancorp has grown primarily through acquisitions of smaller community banks.
Future Projections: Analyst projections would be based on acquisition strategy, organic growth within existing markets, and industry trends.
Recent Initiatives: Recent initiatives would include new acquisitions, technology upgrades, and expansion of wealth management services.
Summary
Glacier Bancorp is a regional bank holding company with a focus on community banking. It has a history of growth through acquisitions, which is a key part of its strategy. Strengths include its strong regional presence and customer relationships. Key areas to watch include integrating new acquisitions successfully and navigating the competitive landscape in the banking industry.
Similar Companies
- WFC
- USB
- MTB
- HBAN
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Analyst Reports (if available)
- Earnings Call Transcripts (if available)
- Financial News Outlets (if available)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data and analysis are based on publicly available information and analyst consensus. Current SEC filings and analyst reporting is needed to provide a complete updated report.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Glacier Bancorp Inc
Exchange NYSE | Headquaters Kalispell, MT, United States | ||
IPO Launch date 1992-01-27 | President, CEO & Director Mr. Randall M. Chesler | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3313 | Website https://www.glacierbancorp.com |
Full time employees 3313 | Website https://www.glacierbancorp.com | ||
Glacier Bancorp, Inc. operates as the bank holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the United States. It offers retail banking; business banking; and mortgage origination and loan servicing services. The company also accepts deposit products, including non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal, demand deposit accounts, savings, money market deposits, fixed rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts. In addition, it offers construction and permanent loans on residential real estate, consumer land or lot loans, and unimproved land and land development loans, construction loans, commercial real estate loans, agricultural and consumer lending, home equity loans, and states and political subdivisions lending, as well as residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. Glacier Bancorp, Inc. was founded in 1955 and is headquartered in Kalispell, Montana.
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