Glacier Bancorp Inc Dossier
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SectorFinancials IndustryBanks - Regional Beta (adjusted)0.82 Intrinsic Value Insufficient data for a value estimateNot enough reliable inputs to publish a fair value for this company yet. Market Price $43.41Price as of 1 Oct 2026 Data confidence Sign in to view data confidence Market Cap $5.7B Enterprise Value $5.4B Shares Outstanding 135M diluted Next Earnings Date22 Oct 2026 Last ex-dividend7 Jul 2026 All prices and values are periodic snapshots, not live quotes. Source dates are shown for reference. ThesisStreet consensus, scenarios, merits, risks, and invalidation triggers Thesis Summary Glacier Bancorp (GBCI) is demonstrating a powerful earnings rebound driven by robust net interest margin (NIM) expansion, which reached 3.80% in Q1 2026 (up 22 bps sequentially and 76 bps year-over-year). The bank's unique community-banking model across high-growth Mountain West and Southwest regions, combined with conservative credit underwriting (net charge-offs at just 2 bps of total loans), positions it to deliver superior earnings growth. With $3.0B of loans scheduled to reprice over the next 12 months at an incremental 75-100 bps, GBCI is well-tracked to hit its ~4.0% NIM target in H2 2026, driving significant operating leverage. This section is the 12-month view: analyst targets and the probability-weighted scenarios built from them. The intrinsic value at the top of this page answers a different question: what the business is worth today. Street view · analyst 12-month targets Low · most bearish analyst$55.00 Mean target$56.83 High · most bullish analyst$60.00 Our research · scenarios, merits, risks, and invalidation triggersResearch as of 18 Sep 2026 Scenarios · 12-month scenario targets Bear CaseDownside scenario The bear case reflects potential macroeconomic headwinds, including persistent inflation or regional economic slowdowns that dampen loan demand and increase nonperforming assets. Deposit competition could intensify, forcing GBCI to raise deposit rates and compress NIM below 3.60%. Credit costs could normalize higher, requiring increased provisioning. Base CaseCentral scenario The base case assumes steady execution of the bank's asset-repricing strategy, with NIM expanding to ~4.0% by late 2026. Loan growth continues at a modest 2-4% annualized pace, supported by strong regional economic dynamics in the Mountain West and Southwest. Credit quality remains pristine with net charge-offs below 10 bps, and operating efficiency continues to improve toward the mid-50s percentage range. Scenarios are anchored to street consensus at the research date, with our probabilities and rationale. Key Investment Merits
Key Investment Risks
Thesis Invalidation Triggers
All scenarios are estimates and subject to change. Past performance is not indicative of future results. Quality Pillars MembersThis section is available to registered members. Create a free account or sign in to unlock the full breakdown. Explore this dossierValuationIntrinsic value, the six-method breakdown, peer medians, and your assumptions sandbox.Financial SnapshotRevenue, profitability, returns, balance sheet, dividends, and the filing-level detail.Qualitative AnalysisBusiness overview, strategic initiatives, and mergers, acquisitions & partnerships.Outlook & Key DatesForward estimates, reporting calendar, and the monitoring framework. |