📈 Price History

Ratio Health

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By Category

📊 Sector Averages

About

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.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

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📊 Quick Scorecard

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⭐ Superinvestors Holding GBCI

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Manager	Shares	Value	% of Fund	Period
Steve Cohen Point72 Asset Management	598.4K	$26.7M	0.03%	Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 4 quarters analysed

Q2 2025

Confident Specific

Management uses precise numbers and clear forward guidance (e.g., 'margin grew 17 basis points' and 'we think we can repeat that level of growth in Q3 and Q4'). They also describe operational details like loan production yield of 7.35% and expense guide adjustments with specific dollar amounts. No hedging or vague language is used.

Q3 2025

Confident Specific

Management repeatedly used phrases like 'excellent quarter,' 'strong margin expansion,' 'solid, high-quality loan growth,' and provided specific numeric guidance for Q4 margin (18-20 bps) and core non-interest expense ($185-189 million), demonstrating clear conviction and detailed forward-looking statements.

Q4 2025

Confident Specific

Management repeatedly used specific numbers (e.g., 'net interest margin 3.58%', 'efficiency ratio 63%', 'loan yield 6.09%') and provided explicit forward guidance for expenses ($189-$193 million Q1) and margin (4% in second half 2026), indicating high confidence in their trajectory.

Q1 2026 latest

Confident Specific

Management used phrases like 'great start to the year', 'strong results', 'very encouraged', 'firing on all cylinders', and provided specific figures (net income +51% YoY, NIM 3.80%, deposit growth $151M). No hedging or uncertainty except minor caveats on expense caution.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis strengthens after this call. Earnings growth, margin expansion, and deposit trends all exceeded expectations. The margin outlook remains durable with $3 billion of loans repricing in the next year and strong new production yields. Credit quality remains pristine. The key watch items are the pace of margin progression toward 4% and any acceleration in loan growth seasonally in Q2/Q3. Capital build suggests potential for future deployment via M&A or buybacks, though no specifics were provided. Overall, the call reinforces confidence in the company's diversified footprint and disciplined risk management.

AI-generated concall tone analysis · Updated 2026-06-08 · Not investment advice

🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →

📊 MIXED Glacier Bancorp Q1 2026: Net income $82.1M, NIM expands 22bps to 3.80%, loan growth 2% annualized.

Revenue & Profitability

Net income of $82.1 million, diluted EPS of $0.63 (up 29% from prior quarter and 31% year-over-year). Operating EPS (non-GAAP) was $0.70. Net interest margin was 3.80%, up 22 basis points from prior quarter. Loan yield of 6.16%, total earning assets yield of 5.11%, and total cost of funding of 1.4% (down 12 basis points). Net charge-offs declined to 2 basis points of total loans.

Outlook

Management expects continued margin expansion, targeting a net interest margin of 4% in the second half of 2026. They anticipate low to mid-single-digit loan growth for the year, with stronger second and third quarters. Headwinds include economic uncertainty and geopolitical risks (e.g., Middle East conflict), leading to cautious hiring and spending.

Growth Drivers

Key growth drivers are the Southwest region (Arizona, Texas), which grew over 7% annualized in Q1. The loan pipeline is strong in commercial real estate, C&I, and construction. The Guaranty Bank integration enables deeper customer relationships and new client acquisition. M&A discussions continue in both Texas and the Mountain West.

Balance Sheet & CapEx

Not discussed in this earnings call.

Margins

The net interest margin expanded 22 basis points to 3.80% in Q1, marking nine consecutive quarters of expansion. Further margin lift is expected from asset repricing, with $3 billion of loans repricing over the next 12 months at an incremental 75-100 basis points. Operating expense guidance for 2026 is $750-766 million, with a target efficiency ratio of 54%-55% by Q4.

Key Risks

Risks flagged include economic uncertainty, geopolitical factors (Middle East conflict), and seasonal headwinds such as Q2 tax flows affecting deposits. The Fed's rate decisions and integration risks from acquisitions are also noted. Management is cautious on hiring and spending due to these uncertainties.

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-24

Q2 saw net income rise 19% sequentially and 85% year-over-year, with margin expansion and strong loan growth across regions. Deposit costs are stable, credit quality remains solid, and margin is expected to exceed 4% in early Q4 2026.

Q1 2026 Q1 2026 2026-04-24

Q1 2026 saw net income rise 29% sequentially and 51% year-over-year, with margin expansion and strong deposit growth. Loan growth was led by the Southwest, and efficiency and capital ratios are expected to improve further in 2026.

Q4 2025 Q4 2025 2026-01-23

Record asset growth and two major acquisitions drove a 26% increase in net income and strong margin expansion in 2025. Guidance calls for continued loan growth, margin improvement, and efficiency gains in 2026, with integration of recent acquisitions progressing smoothly.

Q3 2025 Q3 2025 2025-10-17

Reported strong Q3 results with 29% sequential and 33% year-over-year net income growth, driven by margin expansion, loan and deposit growth, and successful acquisitions. Outlook calls for continued, though moderating, margin growth and expense reductions from integration synergies.

Q2 2025 Q2 2025 2025-07-25

Q2 saw strong loan and deposit growth, margin expansion, and improved efficiency, driven by higher yields and disciplined expense control. Recent acquisitions expand the footprint, with guidance for continued margin and loan growth, and stable credit quality.

📊 Analysis Methodology

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Investment Risk:
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