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Glacier Bancorp (GBCI) Financials

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$47.45 +0.30 (+0.64%)
As of 10:28 AM Eastern
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Annual Income Statements for Glacier Bancorp

Annual Income Statements for Glacier Bancorp

This table shows Glacier Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 116 121 116 182 211 266 285 303 223 190 239
Consolidated Net Income / (Loss)		 116 121 116 182 211 266 285 303 223 190 239
Net Income / (Loss) Continuing Operations		 116 121 116 182 211 266 285 303 223 190 239
Total Pre-Tax Income 		150 161 181 222 259 328 349 370 268 226 290
Total Revenue		 389 422 457 552 634 773 807 909 810 833 1,030
Net Interest Income / (Expense)		 290 315 345 433 503 600 663 788 692 705 889
Total Interest Income		 320 344 375 469 546 627 681 830 1,018 1,140 1,296
Loans and Leases Interest Income		 229 254 293 382 461 527 559 661 816 945 1,109
Investment Securities Interest Income		 91 90 82 86 86 100 122 169 202 195 187
Total Interest Expense		 29 30 30 36 43 27 19 41 326 435 407
Deposits Interest Expense		 16 18 17 18 23 18 12 15 162 273 274
Long-Term Debt Interest Expense		 3.19 3.73 4.39 5.95 6.56 4.72 3.41 4.89 5.78 5.75 11
Federal Funds Purchased and Securities Sold Interest Expense		 9.86 7.43 8.61 11 13 4.33 2.30 21 157 155 119
Other Interest Expense		 0.08 0.07 0.08 0.10 0.22 0.65 0.71 1.33 1.06 1.30 1.93
Total Non-Interest Income		 99 107 112 119 131 173 145 121 118 128 141
Other Service Charges		 72 75 82 93 82 72 82 100 104 112 123
Net Realized & Unrealized Capital Gains on Investments		 26 32 30 26 48 101 62 21 14 17 18
Provision for Credit Losses		 2.28 2.33 11 9.95 0.06 40 23 20 15 28 71
Total Non-Interest Expense		 237 259 266 320 375 405 435 519 527 578 669
Salaries and Employee Benefits		 134 152 161 195 223 253 271 319 309 337 393
Net Occupancy & Equipment Expense		 37 40 41 47 52 59 63 74 77 84 98
Marketing Expense		 8.66 8.43 8.41 9.57 11 10 12 14 15 16 18
Property & Liability Insurance Claims		 5.28 4.78 4.43 5.08 3.77 4.66 8.25 13 29 24 23
Other Operating Expenses		 49 50 49 58 64 68 71 88 87 105 121
Amortization Expense		 2.96 2.97 2.49 6.27 8.49 10 10 11 9.73 13 16
Income Tax Expense		 34 40 65 40 49 62 65 67 45 36 51
Basic Earnings per Share		 $1.54 $1.59 $1.50 $2.18 $2.39 $2.81 $2.87 $2.74 $2.01 $1.68 $2.00
Weighted Average Basic Shares Outstanding		 75.54M 76.28M 77.54M 83.60M 88.26M 94.88M 99.31M 110.76M 110.86M 113.17M 119.75M
Diluted Earnings per Share		 $1.54 $1.59 $1.50 $2.17 $2.38 $2.81 $2.86 $2.74 $2.01 $1.68 $1.99
Weighted Average Diluted Shares Outstanding		 75.60M 76.34M 77.61M 83.68M 88.39M 94.93M 99.40M 110.83M 110.89M 113.24M 119.94M
Weighted Average Basic & Diluted Shares Outstanding		 75.40M 76.20M 77.60M 83.40M 92.31M 95.43M 110.69M 110.86M 113.37M 113.40M 130.01M
Cash Dividends to Common per Share		 $1.05 $1.10 $1.14 $1.31 $1.31 $1.33 $1.37 $1.32 $1.32 $1.32 $1.32

Quarterly Income Statements for Glacier Bancorp

This table shows Glacier Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 52 54 33 45 51 62 55 53 68 64 82
Consolidated Net Income / (Loss)		 52 54 33 45 51 62 55 53 68 64 82
Net Income / (Loss) Continuing Operations		 52 54 33 45 51 62 55 53 68 64 82
Total Pre-Tax Income 		64 62 36 54 62 73 63 65 85 76 100
Total Revenue		 197 197 196 199 215 223 223 241 261 307 307
Net Interest Income / (Expense)		 167 166 166 166 180 191 190 208 225 266 269
Total Interest Income		 265 273 279 274 290 297 290 308 325 373 362
Loans and Leases Interest Income		 212 216 223 232 243 247 244 264 280 321 317
Investment Securities Interest Income		 53 57 56 42 46 50 46 44 45 52 45
Total Interest Expense		 98 107 113 107 109 106 100 100 100 107 94
Deposits Interest Expense		 55 63 67 68 71 67 63 66 67 78 72
Long-Term Debt Interest Expense		 1.47 1.47 1.44 1.41 1.41 1.50 2.23 2.62 2.92 3.46 3.12
Federal Funds Purchased and Securities Sold Interest Expense		 41 42 44 38 37 37 34 32 29 24 18
Other Interest Expense		 0.49 -0.37 0.34 0.35 0.25 0.35 0.40 0.40 0.39 0.75 0.44
Total Non-Interest Income		 30 31 30 32 35 32 33 33 35 40 38
Other Service Charges		 26 27 27 28 30 28 19 29 30 36 22
Net Realized & Unrealized Capital Gains on Investments		 3.98 3.94 3.38 4.66 4.92 3.93 4.31 4.27 5.03 4.59 5.11
Other Non-Interest Income		 - - - - - - 9.33 - - - 11
Provision for Credit Losses		 3.54 3.01 8.25 3.52 8.01 8.53 7.81 20 7.66 36 6.06
Total Non-Interest Expense		 130 132 152 141 145 141 151 155 168 195 201
Salaries and Employee Benefits		 77 71 86 84 85 82 91 94 96 111 116
Net Occupancy & Equipment Expense		 19 19 21 21 21 21 21 22 24 31 29
Marketing Expense		 4.05 3.41 3.98 4.36 4.06 3.73 4.14 4.39 4.62 4.61 5.26
Property & Liability Insurance Claims		 6.06 12 7.76 5.39 5.15 5.89 5.53 5.85 5.80 5.50 6.40
Other Operating Expenses		 20 23 31 23 26 25 25 24 33 38 39
Amortization Expense		 2.43 2.43 2.76 3.02 3.37 3.61 3.27 3.62 3.81 5.18 4.80
Income Tax Expense		 12 7.80 3.75 9.50 11 12 8.92 12 17 13 18
Basic Earnings per Share		 $0.47 $0.49 $0.29 $0.39 $0.45 $0.55 $0.48 $0.45 $0.57 $0.50 $0.63
Weighted Average Basic Shares Outstanding		 110.88M 110.86M 112.49M 113.39M 113.39M 113.17M 113.45M 116.89M 118.55M 119.75M 130.05M
Diluted Earnings per Share		 $0.47 $0.49 $0.29 $0.39 $0.45 $0.55 $0.48 $0.45 $0.57 $0.49 $0.63
Weighted Average Diluted Shares Outstanding		 110.89M 110.89M 112.55M 113.41M 113.47M 113.24M 113.55M 116.92M 118.63M 119.94M 130.24M
Weighted Average Basic & Diluted Shares Outstanding		 110.88M 113.37M 113.39M 113.39M 113.40M 113.40M 113.52M 118.55M 129.94M 130.01M 130.14M
Cash Dividends to Common per Share		 $0.33 $0.33 $0.33 $0.33 $0.33 $0.33 $0.33 $0.33 $0.33 $0.33 $0.33

Annual Cash Flow Statements for Glacier Bancorp

This table details how cash moves in and out of Glacier Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -249 -41 47 3.79 127 302 -195 -36 952 -506 387
Net Cash From Operating Activities		 177 193 255 281 227 190 572 471 501 258 374
Net Cash From Continuing Operating Activities		 177 193 255 281 227 190 572 471 501 258 374
Net Income / (Loss) Continuing Operations		 116 121 116 182 211 266 285 303 223 190 239
Consolidated Net Income / (Loss)		 116 121 116 182 211 266 285 303 223 190 239
Provision For Loan Losses		 2.28 2.33 11 9.95 0.06 40 23 20 15 28 71
Depreciation Expense		 14 15 15 16 19 20 22 26 27 29 33
Amortization Expense		 34 30 28 25 32 -19 53 60 40 44 46
Non-Cash Adjustments to Reconcile Net Income		 7.69 26 86 39 -42 -84 177 82 103 54 -8.43
Changes in Operating Assets and Liabilities, net		 2.08 -1.19 -1.09 9.62 7.54 -34 13 -20 92 -87 -6.48
Net Cash From Investing Activities		 -681 -421 24 -872 -43 -3,564 -3,907 -1,352 -207 493 1,064
Net Cash From Continuing Investing Activities		 -681 -421 24 -872 -43 -3,564 -3,907 -1,352 -207 493 1,064
Purchase of Property, Leasehold Improvements and Equipment		 - - - - - - - -34 -50 -48 -27
Purchase of Investment Securities		 -3,311 -3,037 -2,877 -4,425 -4,978 -9,214 -13,571 -8,770 -1,653 -353 -1,688
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - - 11 0.25 14 5.33
Divestitures		 21 - - - - - - 0.00 0.00 108 205
Sale and/or Maturity of Investments		 2,608 2,616 2,900 3,553 4,935 5,650 9,664 7,442 1,495 772 2,569
Net Cash From Financing Activities		 255 188 -231 595 -57 3,676 3,139 845 659 -1,257 -1,052
Net Cash From Continuing Financing Activities		 255 188 -231 595 -57 3,676 3,139 845 659 -1,257 -1,052
Net Change in Deposits		 216 368 -89 599 286 3,418 3,266 -730 -677 -395 259
Issuance of Debt		 190 -101 287 0.00 14 0.00 3.53 1,809 2,740 1,805 0.00
Repayment of Debt		 -95 -46 -204 79 -406 -38 0.00 0.00 -1,797 -2,802 -1,433
Payment of Dividends		 -79 -84 -112 -85 -124 -131 -146 -158 -147 -150 -163
Other Financing Activities, Net		 24 50 -113 3.21 174 427 15 -76 539 285 284
Cash Interest Paid		 30 30 30 35 42 29 20 39 204 529 414
Cash Income Taxes Paid		 40 36 40 26 37 63 67 55 28 16 32

Quarterly Cash Flow Statements for Glacier Bancorp

This table details how cash moves in and out of Glacier Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 621 -318 -566 12 187 -139 133 -66 -61 381 150
Net Cash From Operating Activities		 130 151 -57 63 150 102 52 86 112 123 88
Net Cash From Continuing Operating Activities		 130 151 -57 63 150 102 52 86 112 123 88
Net Income / (Loss) Continuing Operations		 52 54 33 45 51 62 55 53 68 64 82
Consolidated Net Income / (Loss)		 52 54 33 45 51 62 55 53 68 64 82
Provision For Loan Losses		 3.54 3.01 8.25 3.52 8.01 8.53 7.81 20 7.66 36 6.06
Depreciation Expense		 6.70 7.09 7.09 7.24 7.22 7.35 7.49 7.79 7.92 9.82 9.08
Amortization Expense		 6.53 8.82 14 10 8.57 11 12 14 11 8.91 11
Non-Cash Adjustments to Reconcile Net Income		 12 48 -11 5.81 59 -0.77 -7.10 -8.70 6.04 1.33 0.15
Changes in Operating Assets and Liabilities, net		 49 30 -108 -8.93 17 14 -22 -0.00 11 3.99 -20
Net Cash From Investing Activities		 -0.08 75 209 14 214 56 206 156 -42 744 352
Net Cash From Continuing Investing Activities		 -0.08 75 209 14 214 56 206 156 -42 744 352
Purchase of Property, Leasehold Improvements and Equipment		 - - -6.69 - - - -5.66 -6.52 -7.65 -7.02 -14
Purchase of Investment Securities		 -913 -849 -119 -1,208 -1,317 -1,300 -44 -271 -271 -1,146 -1,116
Sale of Property, Leasehold Improvements and Equipment		 - - 2.40 - - - 2.05 2.44 0.57 0.27 1.46
Sale and/or Maturity of Investments		 913 973 302 1,222 1,454 1,390 253 405 237 1,718 1,480
Net Cash From Financing Activities		 491 -544 -718 -64 -177 -297 -125 -308 -132 -487 -290
Net Cash From Continuing Financing Activities		 491 -544 -718 -64 -177 -297 -125 -308 -132 -487 -290
Net Change in Deposits		 387 -466 -118 -326 217 -167 87 -84 243 13 151
Issuance of Debt		 1,798 -1,792 2,090 492 -489 -59 0.15 -13 13 - 0.09
Repayment of Debt		 -1,800 1,800 -2,741 -282 -65 59 -281 -301 -376 -474 -441
Payment of Dividends		 -37 -73 -0.31 -37 -37 -75 -0.36 -37 -39 -86 -0.34
Other Financing Activities, Net		 143 -13 52 89 198 -54 69 127 28 60 0.75
Cash Interest Paid		 54 73 207 109 106 107 103 105 100 106 96
Cash Income Taxes Paid		 2.55 10 0.01 14 0.50 1.59 2.43 14 5.16 11 -0.81

Annual Balance Sheets for Glacier Bancorp

This table presents Glacier Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 9,089 9,451 9,706 12,115 13,684 18,504 25,941 26,635 27,743 27,903 31,978
Cash and Due from Banks		 117 135 140 162 199 227 198 300 247 269 322
Interest Bearing Deposits at Other Banks		 70 17 60 42 132 406 240 102 1,108 580 914
Trading Account Securities		 3,397 3,200 2,495 2,931 2,881 5,704 10,441 9,035 8,304 7,573 7,157
Loans and Leases, Net of Allowance		 4,949 5,555 6,448 8,156 -124 10,964 13,259 15,065 16,005 17,056 20,672
Loans and Leases		 5,079 5,684 6,578 8,288 - 11,123 13,432 15,247 16,198 17,262 20,928
Allowance for Loan and Lease Losses		 130 130 130 131 124 158 173 182 193 206 255
Premises and Equipment, Net		 194 176 177 242 310 325 373 398 422 412 486
Goodwill		 141 147 178 290 456 514 985 985 985 1,051 1,378
Intangible Assets		 15 12 14 49 63 56 52 42 32 51 105
Other Assets		 201 208 193 244 9,642 308 13,652 709 640 855 868
Total Liabilities & Shareholders' Equity		 9,089 9,451 9,706 12,115 13,684 18,504 25,941 26,635 27,743 27,903 31,978
Total Liabilities		 8,013 8,334 8,507 10,600 11,723 16,197 22,763 23,792 24,722 24,679 27,764
Non-Interest Bearing Deposits		 1,918 2,042 2,312 3,001 3,697 5,455 7,779 7,691 6,023 6,137 7,315
Interest Bearing Deposits		 5,027 5,330 5,268 6,493 7,080 9,343 13,558 12,916 13,906 14,410 17,276
Short-Term Debt		 430 474 363 396 599 1,038 1,021 946 1,487 1,777 2,084
Accrued Interest Payable		 3.52 3.58 3.45 4.25 4.69 3.31 2.41 4.33 126 34 33
Long-Term Debt		 520 382 488 589 179 140 177 2,010 215 1,995 679
Capital Lease Obligations		 - - - - - - - - - 21 29
Other Long-Term Liabilities		 114 102 73 117 165 219 226 225 2,966 305 348
Commitments & Contingencies		 - - - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,077 1,117 1,199 1,516 1,961 2,307 3,178 2,843 3,020 3,224 4,214
Total Preferred & Common Equity		 1,077 1,117 1,199 1,516 1,961 2,307 3,178 2,843 3,020 3,224 4,214
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,077 1,117 1,199 1,516 1,961 2,307 3,178 2,843 3,020 3,224 4,214
Common Stock		 737 750 799 1,052 1,379 1,496 2,340 2,345 2,351 2,450 3,221
Retained Earnings		 338 374 402 473 541 668 810 967 1,043 1,083 1,160
Accumulated Other Comprehensive Income / (Loss)		 1.99 -7.38 -1.98 -9.43 40 143 27 -469 -374 -309 -167

Quarterly Balance Sheets for Glacier Bancorp

This table presents Glacier Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 26,733 27,802 27,528 28,064 27,822 27,805 28,206 27,859 29,005 29,016 31,734
Cash and Due from Banks		 260 291 286 264 232 271 342 322 375 313 351
Interest Bearing Deposits at Other Banks		 165 1,239 765 1,408 557 530 646 659 540 542 1,034
Trading Account Securities		 9,572 8,901 8,653 8,325 8,108 7,940 7,831 7,474 7,279 7,115 6,686
Loans and Leases, Net of Allowance		 14,673 15,332 15,766 15,943 16,534 16,651 16,976 17,008 18,306 18,562 20,778
Loans and Leases		 14,851 15,519 15,955 16,135 16,733 16,852 17,181 17,219 18,533 18,791 21,034
Allowance for Loan and Lease Losses		 178 187 189 192 199 201 205 210 227 229 256
Premises and Equipment, Net		 396 400 405 415 443 452 467 411 427 427 492
Goodwill		 985 985 985 985 1,024 1,024 1,054 1,051 1,121 1,121 1,378
Intangible Assets		 44 39 37 34 46 43 53 48 65 61 100
Other Assets		 638 15,948 630 689 879 896 837 830 835 820 838
Total Liabilities & Shareholders' Equity		 26,733 27,802 27,528 28,064 27,822 27,805 28,206 27,859 29,005 29,016 31,734
Total Liabilities		 23,961 24,876 24,601 25,189 24,711 24,668 24,961 24,571 25,473 25,407 27,486
Non-Interest Bearing Deposits		 8,294 7,001 6,458 6,465 6,055 6,093 6,408 6,101 6,594 6,674 7,427
Interest Bearing Deposits		 13,585 13,147 13,550 13,930 14,372 14,008 14,307 14,534 15,035 15,197 17,315
Short-Term Debt		 965 1,191 1,357 1,500 1,540 1,630 1,832 1,849 1,976 2,004 2,086
Accrued Interest Payable		 2.74 8.97 48 92 33 31 35 30 28 28 31
Long-Term Debt		 838 3,284 2,949 207 2,362 2,571 2,017 1,715 1,475 1,112 240
Capital Lease Obligations		 - - - - - - - 20 19 18 31
Other Long-Term Liabilities		 275 243 240 2,996 349 334 362 322 346 374 357
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 2,772 2,927 2,927 2,875 3,111 3,137 3,245 3,288 3,532 3,608 4,248
Total Preferred & Common Equity		 2,772 2,927 2,927 2,875 3,111 3,137 3,245 3,288 3,532 3,608 4,248
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 2,772 2,927 2,927 2,875 3,111 3,137 3,245 3,288 3,532 3,608 4,248
Common Stock		 2,344 2,346 2,348 2,349 2,445 2,447 2,448 2,450 2,657 2,659 3,226
Retained Earnings		 924 992 1,010 1,026 1,038 1,045 1,059 1,100 1,114 1,143 1,199
Accumulated Other Comprehensive Income / (Loss)		 -495 -410 -431 -500 -372 -355 -262 -263 -239 -193 -176

Annual Metrics And Ratios for Glacier Bancorp

This table displays calculated financial ratios and metrics derived from Glacier Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.54 $1.59 $1.50 $2.18 $2.39 $2.81 $2.87 $2.74 $2.01 $1.68 $2.00
Adjusted Weighted Average Basic Shares Outstanding		 75.54M 76.28M 77.54M 83.60M 88.26M 94.88M 99.31M 110.76M 110.86M 113.17M 119.75M
Adjusted Diluted Earnings per Share		 $1.54 $1.59 $1.50 $2.17 $2.38 $2.81 $2.86 $2.74 $2.01 $1.68 $1.99
Adjusted Weighted Average Diluted Shares Outstanding		 75.60M 76.34M 77.61M 83.68M 88.39M 94.93M 99.40M 110.83M 110.89M 113.24M 119.94M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 76.09M 76.53M 79.79M 84.52M 92.31M 95.43M 110.69M 110.86M 113.37M 113.40M 130.01M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Glacier Bancorp

This table displays calculated financial ratios and metrics derived from Glacier Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 130,011,106.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 130,011,106.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 0.63
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -16.31% -15.15% -8.23% -1.18% 8.94% 13.01% 13.31% 21.08% 21.31% - 37.79%
EBITDA Growth		 -35.02% -29.16% -37.08% -19.28% 0.79% 18.04% 44.16% 21.01% 34.12% - 45.38%
EBIT Growth		 -34.06% -36.26% -50.60% -19.90% -3.05% 18.32% 74.53% 20.22% 37.08% - 57.77%
NOPAT Growth		 -33.90% -31.83% -46.70% -18.65% -2.65% 13.69% 67.25% 18.06% 32.99% - 50.54%
Net Income Growth		 -33.90% -31.83% -46.70% -18.65% -2.65% 13.69% 67.25% 18.06% 32.99% - 50.54%
EPS Growth		 -34.72% -31.94% -47.27% -22.00% -4.26% 12.24% 65.52% 15.38% 26.67% - 31.25%
Operating Cash Flow Growth		 -3.06% 26.09% -157.78% -48.35% 15.47% -32.54% 192.45% 37.28% -25.10% - 67.56%
Free Cash Flow Firm Growth		 105.19% 184.18% 113.28% 97.58% -5,365.51% -297.40% -53.82% 733.19% 117.00% - 79.25%
Invested Capital Growth		 0.12% -18.58% -5.26% 1.47% 54.85% 48.63% -2.00% -4.57% -4.94% - -3.89%
Revenue Q/Q Growth		 -1.87% 0.01% -0.43% 1.13% 8.18% 3.75% -0.17% 8.06% 8.39% - 0.08%
EBITDA Q/Q Growth		 -12.96% 0.79% -26.56% 25.27% 8.68% 18.05% -10.31% 5.16% 20.45% - 26.38%
EBIT Q/Q Growth		 -5.18% -3.22% -41.43% 49.03% 14.78% 18.11% -13.61% 2.65% 30.87% - 31.29%
NOPAT Q/Q Growth		 -4.57% 3.57% -39.93% 37.03% 14.20% 20.96% -11.64% -3.27% 28.64% - 28.79%
Net Income Q/Q Growth		 -4.57% 3.57% -39.93% 37.03% 14.20% 20.96% -11.64% -3.27% 28.64% - 28.79%
EPS Q/Q Growth		 -6.00% 4.26% -40.82% 34.48% 15.38% 22.22% -12.73% -6.25% 26.67% - 28.57%
Operating Cash Flow Q/Q Growth		 7.12% 16.33% -137.52% 210.48% 139.50% -32.05% -48.58% 64.04% 30.68% - -28.84%
Free Cash Flow Firm Q/Q Growth		 101.85% 2,320.90% -62.70% -114.53% -3,913.08% 9.24% 108.73% 99.22% 7.75% - 360.77%
Invested Capital Q/Q Growth		 -36.66% 3.07% 48.52% 4.64% -3.33% -1.07% -2.07% 1.89% -3.70% - -5.72%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 39.23% 39.54% 29.16% 36.13% 36.30% 41.30% 37.11% 36.11% 40.13% - 39.15%
EBIT Margin		 32.53% 31.48% 18.52% 27.29% 28.95% 32.96% 28.52% 27.09% 32.71% - 32.65%
Profit (Net Income) Margin		 26.58% 27.53% 16.61% 22.50% 23.75% 27.69% 24.51% 21.94% 26.04% - 26.78%
Tax Burden Percent		 81.72% 87.45% 89.69% 82.47% 82.05% 84.03% 85.95% 80.98% 79.61% - 82.01%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 18.28% 12.55% 10.31% 17.53% 17.95% 15.97% 14.05% 19.02% 20.39% - 17.99%
Return on Invested Capital (ROIC)		 4.91% 4.24% 1.83% 2.44% 3.29% 3.93% 3.03% 2.76% 3.56% - 4.43%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.91% 4.24% 1.83% 2.44% 3.29% 3.93% 3.03% 2.76% 3.56% - 4.43%
Return on Net Nonoperating Assets (RNNOA)		 3.05% 3.37% 2.53% 3.42% 2.98% 3.46% 3.55% 3.17% 3.63% - 3.49%
Return on Equity (ROE)		 7.96% 7.60% 4.36% 5.86% 6.27% 7.39% 6.58% 5.93% 7.20% - 7.92%
Cash Return on Invested Capital (CROIC)		 5.30% 24.72% 8.10% 1.07% -39.92% -35.88% 5.08% 7.75% 8.49% - 7.92%
Operating Return on Assets (OROA)		 1.00% 0.94% 0.53% 0.78% 0.83% 0.99% 0.88% 0.86% 1.08% - 1.22%
Return on Assets (ROA)		 0.82% 0.82% 0.47% 0.64% 0.68% 0.83% 0.76% 0.70% 0.86% - 1.00%
Return on Common Equity (ROCE)		 7.96% 7.60% 4.36% 5.86% 6.27% 7.39% 6.58% 5.93% 7.20% - 7.92%
Return on Equity Simple (ROE_SIMPLE)		 8.64% 0.00% 6.25% 5.87% 5.63% 0.00% 6.45% 6.23% 6.57% - 6.28%
Net Operating Profit after Tax (NOPAT)		 52 54 33 45 51 62 55 53 68 - 82
NOPAT Margin		 26.58% 27.53% 16.61% 22.50% 23.75% 27.69% 24.51% 21.94% 26.04% - 26.78%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
SG&A Expenses to Revenue		 51.05% 47.57% 56.40% 55.25% 51.33% 47.56% 52.56% 50.38% 47.94% - 48.89%
Operating Expenses to Revenue		 65.68% 67.00% 77.29% 70.94% 67.33% 63.22% 67.97% 64.48% 64.35% - 65.37%
Earnings before Interest and Taxes (EBIT)		 64 62 36 54 62 73 63 65 85 - 100
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 77 78 57 72 78 92 83 87 105 - 120
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.05 1.47 1.38 1.34 1.59 1.77 1.51 1.37 1.59 - 1.36
Price to Tangible Book Value (P/TBV)		 1.63 2.22 2.10 2.03 2.41 2.68 2.27 2.07 2.36 - 2.08
Price to Revenue (P/Rev)		 3.57 5.49 5.42 5.31 6.37 6.84 5.79 5.39 6.05 - 5.17
Price to Earnings (P/E)		 12.16 19.92 22.09 22.78 28.16 29.95 23.44 22.05 24.18 - 21.63
Dividend Yield		 4.85% 3.30% 3.41% 3.57% 2.91% 2.63% 3.01% 3.09% 2.73% - 2.98%
Earnings Yield		 8.22% 5.02% 4.53% 4.39% 3.55% 3.34% 4.27% 4.53% 4.14% - 4.62%
Enterprise Value to Invested Capital (EV/IC)		 0.67 1.01 1.06 1.03 1.13 1.23 1.10 1.06 1.19 - 1.02
Enterprise Value to Revenue (EV/Rev)		 3.61 5.91 9.35 9.61 9.91 10.37 8.82 8.22 8.46 - 6.04
Enterprise Value to EBITDA (EV/EBITDA)		 8.31 14.28 24.55 26.69 28.08 28.88 23.35 21.82 21.88 - 16.57
Enterprise Value to EBIT (EV/EBIT)		 10.08 17.90 32.15 35.01 37.25 38.18 29.89 28.03 27.87 - 20.61
Enterprise Value to NOPAT (EV/NOPAT)		 12.30 21.48 38.11 41.25 43.82 45.44 35.72 33.66 33.80 - 25.27
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.51 9.56 21.42 26.44 26.06 33.48 20.63 18.97 22.70 - 16.44
Enterprise Value to Free Cash Flow (EV/FCFF)		 12.59 3.68 12.68 97.29 0.00 0.00 21.49 13.33 13.63 - 12.62
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.59 0.56 1.25 1.34 1.19 1.18 1.09 0.98 0.87 - 0.55
Long-Term Debt to Equity		 0.07 0.07 0.76 0.82 0.62 0.63 0.53 0.42 0.31 - 0.06
Financial Leverage		 0.62 0.79 1.39 1.40 0.91 0.88 1.17 1.15 1.02 - 0.79
Leverage Ratio		 9.70 9.27 9.21 9.12 9.19 8.91 8.70 8.52 8.35 - 7.91
Compound Leverage Factor		 9.70 9.27 9.21 9.12 9.19 8.91 8.70 8.52 8.35 - 7.91
Debt to Total Capital		 37.25% 36.04% 55.64% 57.24% 54.26% 54.06% 52.16% 49.56% 46.49% - 35.68%
Short-Term Debt to Total Capital		 32.74% 31.49% 21.96% 22.21% 25.82% 25.33% 26.91% 28.22% 29.72% - 31.58%
Long-Term Debt to Total Capital		 4.51% 4.55% 33.68% 35.04% 28.44% 28.73% 25.26% 21.34% 16.77% - 4.10%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Common Equity to Total Capital		 62.75% 63.97% 44.36% 42.76% 45.75% 45.94% 47.84% 50.44% 53.51% - 64.32%
Debt to EBITDA		 4.64 5.07 12.94 14.76 13.50 12.68 11.05 10.22 8.56 - 5.80
Net Debt to EBITDA		 0.09 1.03 10.32 11.95 10.03 9.84 8.02 7.52 6.23 - 2.39
Long-Term Debt to EBITDA		 0.56 0.64 7.83 9.04 7.08 6.74 5.35 4.40 3.09 - 0.67
Debt to NOPAT		 6.87 7.63 20.08 22.82 21.07 19.95 16.90 15.76 13.23 - 8.84
Net Debt to NOPAT		 0.14 1.56 16.02 18.47 15.66 15.49 12.27 11.60 9.62 - 3.64
Long-Term Debt to NOPAT		 0.83 0.96 12.15 13.97 11.04 10.60 8.18 6.79 4.77 - 1.02
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 47 1,132 422 -61 -2,462 -2,234 195 388 419 - 349
Operating Cash Flow to CapEx		 0.00% 0.00% -1,322.35% 0.00% 0.00% 0.00% 1,451.99% 2,110.72% 1,587.94% - 727.91%
Free Cash Flow to Firm to Interest Expense		 0.48 10.57 3.74 -0.57 -22.51 -21.16 1.95 3.87 4.20 - 3.73
Operating Cash Flow to Interest Expense		 1.33 1.41 -0.50 0.58 1.37 0.97 0.52 0.86 1.13 - 0.94
Operating Cash Flow Less CapEx to Interest Expense		 1.33 1.41 -0.54 0.58 1.37 0.97 0.49 0.82 1.06 - 0.81
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 - 0.04
Fixed Asset Turnover		 2.08 1.98 1.88 1.84 1.83 1.87 2.01 2.05 2.12 - 2.47
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 4,581 4,722 7,013 7,338 7,094 7,018 6,872 7,002 6,743 - 6,605
Invested Capital Turnover		 0.18 0.15 0.11 0.11 0.14 0.14 0.12 0.13 0.14 - 0.17
Increase / (Decrease) in Invested Capital		 5.69 -1,078 -390 106 2,513 2,296 -140 -336 -351 - -267
Enterprise Value (EV)		 3,054 4,789 7,407 7,593 8,005 8,640 7,575 7,410 8,011 - 6,737
Market Capitalization		 3,019 4,442 4,293 4,193 5,144 5,695 4,972 4,855 5,731 - 5,766
Book Value per Share		 $25.93 $27.24 $27.65 $27.67 $28.62 $28.43 $28.99 $31.12 $30.44 - $32.68
Tangible Book Value per Share		 $16.73 $18.06 $18.14 $18.26 $18.86 $18.71 $19.30 $20.67 $20.46 - $21.30
Total Capital		 4,581 4,722 7,013 7,338 7,094 7,018 6,872 7,002 6,743 - 6,605
Total Debt		 1,706 1,701 3,902 4,201 3,849 3,794 3,585 3,470 3,135 - 2,356
Total Long-Term Debt		 207 215 2,362 2,571 2,017 2,016 1,736 1,494 1,131 - 271
Net Debt		 34 347 3,113 3,400 2,861 2,946 2,603 2,555 2,281 - 971
Capital Expenditures (CapEx)		 0.00 0.00 4.29 0.00 0.00 0.00 3.61 4.08 7.08 - 12
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 1,706 1,701 3,902 4,201 3,849 3,794 3,585 3,470 3,135 - 2,356
Total Depreciation and Amortization (D&A)		 13 16 21 18 16 19 19 22 19 - 20
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.47 $0.49 $0.29 $0.39 $0.45 $0.55 $0.48 $0.45 $0.57 $0.50 $0.63
Adjusted Weighted Average Basic Shares Outstanding		 110.88M 110.86M 112.49M 113.39M 113.39M 113.17M 113.45M 116.89M 118.55M 119.75M 130.05M
Adjusted Diluted Earnings per Share		 $0.47 $0.49 $0.29 $0.39 $0.45 $0.55 $0.48 $0.45 $0.57 $0.49 $0.63
Adjusted Weighted Average Diluted Shares Outstanding		 110.89M 110.89M 112.55M 113.41M 113.47M 113.24M 113.55M 116.92M 118.63M 119.94M 130.24M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 110.88M 113.37M 113.39M 113.39M 113.40M 113.40M 113.52M 118.55M 129.94M 130.01M 130.14M
Normalized Net Operating Profit after Tax (NOPAT)		 52 54 33 45 51 62 55 53 68 - 82
Normalized NOPAT Margin		 26.58% 27.53% 16.61% 22.50% 23.75% 27.69% 24.51% 21.94% 26.04% - 26.78%
Pre Tax Income Margin		 32.53% 31.48% 18.52% 27.29% 28.95% 32.96% 28.52% 27.09% 32.71% - 32.65%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.66 0.58 0.32 0.51 0.57 0.70 0.64 0.65 0.86 - 1.07
NOPAT to Interest Expense		 0.54 0.51 0.29 0.42 0.47 0.58 0.55 0.53 0.68 - 0.88
EBIT Less CapEx to Interest Expense		 0.66 0.58 0.28 0.51 0.57 0.70 0.60 0.61 0.79 - 0.94
NOPAT Less CapEx to Interest Expense		 0.54 0.51 0.25 0.42 0.47 0.58 0.51 0.48 0.61 - 0.75
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 59.05% 65.80% 75.49% 80.15% 81.21% 78.91% 70.77% 68.19% 64.06% - 61.03%
Augmented Payout Ratio		 59.05% 65.80% 75.49% 80.15% 81.21% 78.91% 70.77% 68.19% 64.06% - 61.03%

Financials Breakdown Chart

Key Financial Trends

Glacier Bancorp (NYSE: GBCI) continued to show solid profitability in Q1 2026, but the latest quarter also highlighted some pressure points around funding costs, balance sheet mix, and reduced cash generation versus the prior quarter.

For the quarter ended March 31, 2026, Glacier Bancorp reported net income of $82.1 million, up from $63.8 million in Q4 2025 and $54.6 million in Q1 2025. Earnings per share were $0.63, unchanged from the prior quarter but ahead of the year-ago period’s $0.48. Revenue also held steady at $306.8 million, supported by stronger non-interest income even as interest income moved modestly lower.

The company’s balance sheet remains large and deposit-funded, with $31.7 billion in assets and $27.5 billion in liabilities. Equity ended Q1 2026 at $4.25 billion, up meaningfully from $3.61 billion in Q3 2025 and $3.29 billion in Q1 2025, reflecting retained earnings growth and acquisition-related balance sheet expansion.

Here are the main takeaways for investors:

  • Net income improved year over year and sequentially, reaching $82.1 million in Q1 2026 versus $54.6 million in Q1 2025 and $63.8 million in Q4 2025.
  • Revenue was stable at $306.8 million, showing the company can maintain top-line performance even as the rate environment shifts.
  • Non-interest income strengthened to $38.1 million from $32.9 million in Q2 2025 and $35.4 million in Q3 2025, helping offset pressure in the lending spread.
  • Book equity increased to $4.25 billion, giving the bank a larger capital base than it had a year ago.
  • Operating cash flow remained positive at $87.9 million in Q1 2026, supporting dividend capacity and balance sheet flexibility.
  • Loan growth continued, with loans and leases rising to $21.0 billion from $18.8 billion in Q3 2025 and $17.2 billion in Q1 2025.
  • Deposit growth also continued, with non-interest-bearing deposits rising to $7.4 billion and interest-bearing deposits to $17.3 billion.
  • The company remains acquisitive; goodwill increased to $1.38 billion and intangible assets to $100.5 million, signaling ongoing acquisition-related accounting assets.
  • Interest expense remains elevated, with total interest expense of $93.7 million in Q1 2026, still a major drag on net interest margin.
  • Provision expense is still meaningful at $6.1 million, indicating continued credit-loss reserving even though it was lower than the spikes seen in late 2025.

One important trend is that net interest income has been relatively flat to slightly lower over the last several quarters. In Q1 2026, net interest income came in at $268.7 million, compared with $266.1 million in Q4 2025 and $225.4 million in Q3 2025. That’s better than mid-2025, but the bank is still navigating a higher-cost funding environment, especially after deposit and debt expenses surged in prior periods.

Credit costs also warrant attention. The allowance for loan and lease losses increased to $255.8 million in Q1 2026 from $229.1 million in Q3 2025 and $210.4 million in Q1 2025. That suggests management is staying cautious on asset quality, which is generally prudent, but it can weigh on near-term earnings if credit conditions worsen.

Cash flow trends were mixed. Operating cash flow in Q1 2026 was healthy, but financing cash flow was negative $290.0 million due largely to debt repayment. The company also saw a large increase in investment securities purchases, which drove investing cash flow to a positive $352.1 million because sales and maturities exceeded purchases during the quarter.

Bottom line: Glacier Bancorp looks financially stable and profitable, with improving earnings, a stronger equity base, and continued deposit and loan growth. However, investors should keep an eye on funding costs, credit provisioning, and the company’s ongoing reliance on acquisition-related balance sheet items. The stock’s longer-term story appears intact, but near-term returns may depend on whether management can expand margins and control expenses while maintaining credit quality.

06/08/26 09:13 AM ETAI Generated. May Contain Errors.

Glacier Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Glacier Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Glacier Bancorp's net income appears to be on an upward trend, with a most recent value of $239.03 million in 2025, rising from $116.13 million in 2015. The previous period was $190.14 million in 2024. Check out Glacier Bancorp's forecast to explore projected trends and price targets.

Over the last 10 years, Glacier Bancorp's total revenue changed from $389.17 million in 2015 to $1.03 billion in 2025, a change of 164.8%.

Glacier Bancorp's total liabilities were at $27.76 billion at the end of 2025, a 12.5% increase from 2024, and a 246.5% increase since 2015.

In the past 10 years, Glacier Bancorp's cash and equivalents has ranged from $117.14 million in 2015 to $321.53 million in 2025, and is currently $321.53 million as of their latest financial filing in 2025.


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Financial statements for NYSE:GBCI last updated on 5/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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