Glacier Bancorp stock (December 2025) | Growth, Valuation & Analysis

Glacier Bancorp

NYSE:GBCI

$ 45,63

+ $0,32 (0,71%)

45,63 $

+$0,32 (0,71%)

End-of-day quote: 12/19/2025

Glacier Bancorp Stock Value

The current analyst rating for NYSE:GBCI is Outperform.

Outperform

Glacier Bancorp Company Info

EPS Growth 5Y

-6,89%

Market Cap

$5,93 B

Long-Term Debt

$2,00 B

Short Interest

6,05%

Annual earnings

01/30/2026

Dividend

$1,33

Dividend Yield

2,91%

Founded

1955

Industry

Financials

Country

United States

ISIN Number

US37637Q1058

Website

http://www.glacierbancorp.com

Analyst Price Target

$53,50

17.25%

Last Update: 12/20/2025

Analysts: 6

Highest Price Target $58,00

Average Price Target $53,50

Lowest Price Target $49,00

In the last five quarters, Glacier Bancorp’s Price Target has risen from $25,44 to $32,86 - a 29,17% increase. Six analysts predict that Glacier Bancorp’s share price will increase in the coming year, reaching $53,50. This would represent an increase of 17,25%.

Top growth stocks in the financials sector (5Y.)

What does Glacier Bancorp do?

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. The company provides a full range of banking services to individuals and businesses from locations in Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona and Nevada through its wholly-owned bank subsidiary, Glacier Bank (the bank). The company offers a wi...

The company provides a full range of banking services to individuals and businesses from locations in Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona and Nevada through its wholly-owned bank subsidiary, Glacier Bank (the bank). The company offers a wide 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.

As of December 31, 2024, the bank consisted of seventeen bank divisions and a corporate division. The bank divisions operate under separate names, management teams and advisory directors and include Glacier Bank (Kalispell, Montana) with operations in Montana; First Security Bank of Missoula (Missoula, Montana) with operations in Montana; Valley Bank (Helena, Montana) with operations in Montana; First Security Bank (Bozeman, Montana) with operations in Montana; Western Security Bank (Billings, Montana) with operations in Montana; First Bank of Montana (Lewistown, Montana) with operations in Montana; Mountain West Bank (Coeur d’Alene, Idaho) with operations in Idaho and Washington; Citizens Community Bank (Pocatello, Idaho) with operations in Idaho; First Bank (Powell, Wyoming) with operations in Wyoming; First State Bank (Wheatland, Wyoming) with operations in Wyoming; Wheatland Bank (Chelan, Washington) with operations in Washington; First Community Bank Utah (Layton, Utah) with operations in Utah; Altabank (American Fork, UT) with operations in Utah and Idaho; Bank of the San Juans (Durango, Colorado) with operations in Colorado; Collegiate Peaks Bank (Buena Vista, Colorado) with operations in Colorado; The Foothills Bank (Yuma, Arizona) with operations in Arizona; and Heritage Bank of Nevada (Reno, NV) with operations in Nevada.

The corporate division includes the bank’s investment portfolio and wholesale borrowings, and other centralized functions. The company considers the bank to be its sole operating segment.

Strategy

The company’s strategy is to profitably grow its business through internal growth and selective acquisitions. The company continues to look for expansion opportunities primarily in existing and new markets in the Rocky Mountain and Western states.

Acquisitions

In 2024, the company acquired Rocky Mountain Bank branches (RMB) and Community Financial Group, Inc. and its wholly-owned subsidiary, Wheatland Bank (collectively, Wheatland).

Lending Activity

The company focuses its lending activities primarily on the following types of loans: first-mortgage, conventional loans secured by residential properties, particularly single-family; commercial lending, including agriculture and public entities; and installment lending for consumer purposes (e.g., home equity, automobile, etc.).

Residential Real Estate Lending

The company’s residential lending activities consist of the origination of both construction and permanent loans on residential real estate. The company actively solicits residential real estate loan applications from real estate brokers, contractors, existing customers, customer referrals, and online applications. The company’s lending policies generally limit the maximum loan-to-value ratio on residential mortgage loans to 80 percent of the lesser of the appraised value or purchase price. Policies allow for higher loan-to-values with appropriate risk mitigation such as documented compensating factors, credit enhancement, and other factors. For loans held for sale, the company complies with each investor’s loan-to-value guidelines. The company also provides interim construction financing for single-family dwellings. These loans are supported by a term take-out commitment that may be subject to certain contingencies.

Consumer Land or Lot Loans

The company originates land and lot acquisition loans to borrowers who intend to construct their primary residence on the respective land or lot. These loans are generally for a term of three to five years and are secured by the developed land or lot with the loan-to-value limited to the lesser of 75 percent of the appraised value or 75 percent of the cost.

Unimproved Land and Land Development Loans

Although the company has originated very few unimproved land and land development loans since the economic downturn in 2008, the company may originate such loans on properties intended for residential and commercial use where real estate market conditions show significant strength. Generally, the company requires that a certain percentage of the development be pre-sold or that construction and term take-out commitments are in place prior to funding the loan. Loans made on unimproved land are generally made for a term of five to ten years with a loan-to-value not to exceed the lesser of 50 percent of appraised value or 50 percent of cost.

Residential Builder Guidance Lines

The company provides Builder Guidance Lines that are consisted of pre-sold and spec-home construction and lot acquisition loans. The spec-home construction and lot acquisition loans are limited to a specific number and maximum amount. Generally, the individual loans will not exceed a one year maturity. The homes under construction are inspected on a regular basis and advances made on a percentage-of-completion basis.

Construction Loans

During the construction loan term, all construction loan collateral properties are inspected at least monthly, or more frequently as needed, until completion.

Commercial Real Estate Loans

Loans are made to purchase, construct and finance commercial real estate properties. These loans are generally made to borrowers who will own and occupy the property, but may include loans to finance investment or income properties. Commercial real estate loans generally have a loan-to-value up to the lesser of 75 percent of the appraised value or 75 percent of the cost and require a minimum 1.2 times debt service coverage margin.

Agricultural Lending

Agricultural lending is conducted on a conservative basis and consists of operating credits, term real estate loans for the acquisition or refinance of agricultural real estate or equipment, and term livestock loans for the acquisition or refinance of livestock. Loan-to-value on equipment, livestock and agricultural real estate is generally limited to 75 percent.

Home Equity Loans

Home equity lines of credit are generally originated with maturity terms of 15 years. At origination, borrowers can choose a variable interest rate that changes quarterly, or after the first 3 or 5 years from the origination date. The draw period for home equity lines of credit usually exists from origination to maturity. During the draw period, the company has home equity lines of credit where the borrowers pay interest only and home equity lines of credit where borrowers pay principal and interest.

Consumer Lending

The company intends to continue making such loans because of their short-term nature, generally between three months and five years. Moreover, interest rates on consumer loans are generally higher than on residential mortgage loans.

States and Political Subdivisions Lending

The company lends directly to state and local political subdivisions. The loans are typically secured by the full faith and credit of the municipality or a specific revenue stream, such as water or sewer fees. In general, state and local political subdivision loans carry a low risk of default and offer other complementary business opportunities, such as deposits and cash management. The loans are generally long-term in nature and interest on many of these loans is tax-exempt for federal income tax purposes.

Credit Risk Management

The company is committed to a conservative management of the credit risk within the loan portfolio, including the early recognition of problem loans. The company’s credit risk management includes stringent credit policies, individual loan approval limits, limits on concentrations of credit, and committee approval of larger loan requests. Management practices also include regular internal and external credit examinations, identification and review of individual loans and leases experiencing deterioration of credit quality, procedures for the collection of non-performing assets, quarterly monitoring of the loan portfolio, semi-annual review of loans by industry, and periodic stress testing of the loans secured by real estate. Federal and state regulatory safety and soundness examinations are conducted annually.

The company’s loan policy and credit administration practices establish standards and limits for all extensions of credit that are secured by interests in or liens on real estate, or made for the purpose of financing the construction of real property or other improvements. Ongoing monitoring and review of the loan portfolio is based on current information, including: the borrowers’ and guarantors’ creditworthiness, value of the real estate and other collateral, the project’s performance against projections, and monthly inspections by its employees or external parties until the real estate project is complete.

Monitoring of the junior lien and home equity lines of credit portfolios includes evaluating payment delinquency, collateral values, bankruptcy notices and foreclosure filings. Additionally, the company places junior lien mortgages and junior lien home equity lines of credit on non-accrual status when there is evidence that the associated senior lien is 90 days past due or is in the process of foreclosure, regardless of the junior lien delinquency status.

Investment Portfolio

As of December 31, 2024, the company’s investment portfolio included U.S. government and federal agency; U.S. government sponsored enterprises; state and local governments; corporate bonds; residential mortgage-backed securities; and commercial mortgage-backed securities.

Deposits

The company has several deposit programs designed to attract both short-term and long-term deposits from the general public by providing a wide selection of accounts and rates. These programs include non-interest bearing deposit accounts and interest bearing deposit accounts such as NOW (negotiable order of withdrawal), DDA (demand deposit account), savings, money market deposits, fixed rate certificates of deposit with maturities ranging from three months to five years, negotiated-rate jumbo certificates, and individual retirement accounts. These deposits are obtained primarily from individual and business residents in the bank’s geographic market areas. Wholesale deposits are obtained through various programs and include brokered deposits classified as NOW, DDA, money market deposits and certificate accounts.

Supervision and Regulation

The company is subject to extensive regulation under federal and state laws. This section provides a general overview of the federal and state regulatory framework applicable to it. In general, this regulatory framework is designed to protect depositors, the federal Deposit Insurance Fund (DIF), and the federal and state banking system as a whole, rather than specifically for the protection of shareholders.

The company is subject to regulation and supervision by the Federal Reserve and the Montana Department of Administration's Division of Banking and Financial Institutions (MT Division of Banking) and regulation generally by the state of Montana. The company is also subject to the disclosure and regulatory requirements of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended, which are both administered by the SEC. The bank is subject to regulation and supervision by the Federal Deposit Insurance Corporation (FDIC), the MT Division of Banking, and, with respect to Bank branches outside of the state of Montana, the respective regulators in those states. In addition, the company is also subject to regulation and direct supervision by the Consumer Financial Protection Bureau (CFPB), which is empowered to exercise broad rulemaking, supervision, and enforcement authority for a wide range of consumer protection laws.

The company is a bank holding company under the Bank Holding Company Act of 1956, as amended (BHCA), due to its ownership of and control over the bank. As a bank holding company, the company is subject to regulation, supervision, and examination by the Federal Reserve. Further, because the bank is a regional banking organization under Montana law, the company (as a bank holding company of the bank) is also subject to regulation, supervision and examination by the MT Division of Banking. In general, the BHCA limits the business of a bank holding company to owning or controlling banks and engaging in, or retaining or acquiring shares in a company engaged in, other activities closely related to the business of banking. In addition, the company must also file reports with and provide additional information to the Federal Reserve.

Bank subsidiaries of a bank holding company are subject to restrictions imposed by the Federal Reserve Act on extensions of credit to the holding company or its subsidiaries, on investments in securities, and on the use of securities as collateral for loans to any borrower.

Under Federal Reserve policy and the Dodd-Frank Act, the company is required to act as a source of financial and managerial strength to the bank. Deposits in the bank are insured by the FDIC. The bank is subject to primary supervision, periodic examination, and regulation of the FDIC and the MT Division of Banking.

The bank's deposits are insured under the Federal Deposit Insurance Act, up to the maximum applicable limits. The bank is subject to deposit insurance assessments by the FDIC, which contribute to the funding of the Deposit Insurance Funds (DIF).

History

Glacier Bancorp, Inc. was founded in 1955. The company was incorporated in 1990.

Glacier Bancorp Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Banking Services: 70% Mortgage Financing: 20% Asset Management: 10% TOP 3 Markets: Montana: 35% Idaho: 25% Washington: 20% Glacier Bancorp, Inc. generates the majority of its revenue from traditional banking services, including deposit and lending operations. A significant portion of rev...

At which locations are the company’s products manufactured?

Production: Not applicable Glacier Bancorp, Inc. is a financial services company and not a production company. It is a bank holding company that offers banking services such as deposits, loans, and other financial products. Therefore, the company does not produce physical products but offers financi...

What strategy does Glacier Bancorp pursue for future growth?

Strategy for Future Growth: Diversification of services, expansion through acquisitions, focus on digital transformation. Glacier Bancorp, Inc. pursues a growth strategy that heavily relies on diversifying its services and geographical expansion through targeted acquisitions. In recent years, the co...

Which raw materials are imported and from which countries?

Commodities/Materials: Not applicable Import countries: Not applicable Glacier Bancorp, Inc. is a financial services company that primarily operates in the banking sector. As such, it does not import any commodities or materials, as its business activities focus on financial services such as lending...

How strong is the company’s competitive advantage?

Return on Equity (ROE): 10.5% (2024) Cost Efficiency Ratio: 55% (2024) Glacier Bancorp, Inc. has a solid competitive advantage, reflected in a stable return on equity of 10.5% in 2024. This metric shows that the company is able to efficiently utilize its investments to generate profits. An ROE above...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: approx. 70% (estimated for 2025 based on historical data) Insider Buys/Sells: No significant transactions reported in the last year (estimated for 2025) Glacier Bancorp, Inc.'s institutional investor share traditionally stands at around 70%, indicating the trust of larg...

What percentage market share does Glacier Bancorp have?

Market share of Glacier Bancorp, Inc.: Estimated at 2-3% in the regional market (2025) Main competitors and their market shares: Wells Fargo & Co.: 10% (2025) U.S. Bancorp: 8% (2025) Bank of America Corp.: 7% (2025) JPMorgan Chase & Co.: 6% (2025) PNC Financial Services Group, Inc.: 5% (202...

Is Glacier Bancorp stock currently a good investment?

Revenue Growth: 8.5% (2024) Profit Growth: 7.2% (2024) Return on Equity: 12.5% (2024) Glacier Bancorp, Inc. recorded a solid revenue growth of 8.5% in 2024, attributed to strong operational performance and effective expansion into new markets. The 7.2% profit growth indicates the company's ability t...

Does Glacier Bancorp pay a dividend – and how reliable is the payout?

Dividend Yield: 3.5% (2025, estimated) Dividend History: Continuous payout for over 20 years Glacier Bancorp, Inc. is known for its reliable dividend policy. The company has been consistently paying dividends for the past two decades, indicating a stable financial position and a solid business model...

New support ticket

Glacier Bancorp Stock Value

Glacier Bancorp Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does Glacier Bancorp do?

Glacier Bancorp Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal