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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.27
GBCI's Cash to Debt is ranked higher than
60% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. GBCI: 0.27 )
GBCI' s 10-Year Cash to Debt Range
Min: 0.08   Max: 1.62
Current: 0.27

0.08
1.62
Equity to Asset 0.13
GBCI's Equity to Asset is ranked higher than
88% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. GBCI: 0.13 )
GBCI' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.14
Current: 0.13

0.07
0.14
Interest Coverage 4.37
GBCI's Interest Coverage is ranked higher than
89% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. GBCI: 4.37 )
GBCI' s 10-Year Interest Coverage Range
Min: 0.39   Max: 4.37
Current: 4.37

0.39
4.37
F-Score: 6
Z-Score: 0.34
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 40.17
GBCI's Operating margin (%) is ranked higher than
86% of the 1784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.51 vs. GBCI: 40.17 )
GBCI' s 10-Year Operating margin (%) Range
Min: 5.48   Max: 46.67
Current: 40.17

5.48
46.67
Net-margin (%) 30.48
GBCI's Net-margin (%) is ranked higher than
88% of the 1784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.58 vs. GBCI: 30.48 )
GBCI' s 10-Year Net-margin (%) Range
Min: 5.57   Max: 31.43
Current: 30.48

5.57
31.43
ROE (%) 11.13
GBCI's ROE (%) is ranked higher than
85% of the 1791 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.52 vs. GBCI: 11.13 )
GBCI' s 10-Year ROE (%) Range
Min: 2.07   Max: 22.54
Current: 11.13

2.07
22.54
ROA (%) 1.36
GBCI's ROA (%) is ranked higher than
92% of the 1791 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. GBCI: 1.36 )
GBCI' s 10-Year ROA (%) Range
Min: 0.25   Max: 2.2
Current: 1.36

0.25
2.2
ROC (Joel Greenblatt) (%) 85.14
GBCI's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.03 vs. GBCI: 85.14 )
GBCI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 8.6   Max: 87.18
Current: 85.14

8.6
87.18
Revenue Growth (%) -1.10
GBCI's Revenue Growth (%) is ranked higher than
69% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. GBCI: -1.10 )
GBCI' s 10-Year Revenue Growth (%) Range
Min: -7.3   Max: 15.5
Current: -1.1

-7.3
15.5
EBITDA Growth (%) 27.60
GBCI's EBITDA Growth (%) is ranked higher than
92% of the 1406 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. GBCI: 27.60 )
GBCI' s 10-Year EBITDA Growth (%) Range
Min: -41.1   Max: 27.6
Current: 27.6

-41.1
27.6
EPS Growth (%) 29.00
GBCI's EPS Growth (%) is ranked higher than
91% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. GBCI: 29.00 )
GBCI' s 10-Year EPS Growth (%) Range
Min: -41.4   Max: 29
Current: 29

-41.4
29
» GBCI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

GBCI Guru Trades in Q3 2013

Paul Tudor Jones 26,400 sh (New)
John Keeley 1,254,520 sh (+173.6%)
Jim Simons 333,760 sh (+54.05%)
Ken Fisher 2,346,485 sh (+0.49%)
Chuck Royce 207,100 sh (-1.66%)
Private Capital 88,090 sh (-10.31%)
David Dreman 65,550 sh (-83.25%)
Steven Cohen 10,139 sh (-89.34%)
» More
Q4 2013

GBCI Guru Trades in Q4 2013

Jim Simons 379,160 sh (+13.6%)
John Keeley 1,271,520 sh (+1.36%)
Paul Tudor Jones Sold Out
David Dreman Sold Out
Private Capital 87,390 sh (-0.79%)
Ken Fisher 2,313,840 sh (-1.39%)
Steven Cohen 6,858 sh (-32.36%)
Chuck Royce 139,600 sh (-32.59%)
» More
Q1 2014

GBCI Guru Trades in Q1 2014

Paul Tudor Jones 19,600 sh (New)
Jim Simons 551,393 sh (+45.42%)
Chuck Royce Sold Out
Steven Cohen Sold Out
John Keeley 1,267,520 sh (-0.31%)
Ken Fisher 2,252,255 sh (-2.66%)
Private Capital 77,404 sh (-11.43%)
» More
Q2 2014

GBCI Guru Trades in Q2 2014

Paul Tudor Jones Sold Out
Jim Simons 545,660 sh (-1.04%)
Ken Fisher 2,178,705 sh (-3.27%)
John Keeley 1,212,720 sh (-4.32%)
Private Capital 54,714 sh (-29.31%)
» More
» Details

Insider Trades

Latest Guru Trades with GBCI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Private Capital 2014-06-30 Reduce -29.31%0.08%$24.88 - $29.55 $ 26.09-3%54714
David Dreman 2013-12-31 Sold Out 0.15%$24.23 - $30.87 $ 26.09-7%0
John Keeley 2013-09-30 Add 173.6%0.36%$22.59 - $25.05 $ 26.099%1254520
David Dreman 2013-09-30 Reduce -83.25%0.22%$22.59 - $25.05 $ 26.099%65550
John Keeley 2013-06-30 Add 461.57%0.16%$17.44 - $22.43 $ 26.0935%458520
John Keeley 2013-03-31 Add 28.08%0.01%$14.71 - $18.98 $ 26.0956%81650
David Dreman 2012-03-31 Add 48.28%0.05%$12.53 - $15.5 $ 26.0997%482122
David Dreman 2011-12-31 New Buy0.09%$9.09 - $12.51 $ 26.09127%325144
John Keeley 2011-09-30 Reduce -71.42%0.02%$9.23 - $13.75 $ 26.09125%39650
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.00
GBCI's P/E(ttm) is ranked higher than
62% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. GBCI: 18.00 )
GBCI' s 10-Year P/E(ttm) Range
Min: 9.1   Max: 70.58
Current: 18

9.1
70.58
P/B 1.92
GBCI's P/B is ranked lower than
52% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. GBCI: 1.92 )
GBCI' s 10-Year P/B Range
Min: 0.78   Max: 4.4
Current: 1.92

0.78
4.4
P/S 5.49
GBCI's P/S is ranked lower than
54% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.08 vs. GBCI: 5.49 )
GBCI' s 10-Year P/S Range
Min: 2.1   Max: 22.2
Current: 5.49

2.1
22.2
PFCF 8.34
GBCI's PFCF is ranked higher than
85% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. GBCI: 8.34 )
GBCI' s 10-Year PFCF Range
Min: 2.59   Max: 28.7
Current: 8.34

2.59
28.7
EV-to-EBIT 17.61
GBCI's EV-to-EBIT is ranked higher than
72% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.06 vs. GBCI: 17.61 )
GBCI' s 10-Year EV-to-EBIT Range
Min: 10.3   Max: 179.8
Current: 17.61

10.3
179.8
PEG 0.76
GBCI's PEG is ranked higher than
92% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. GBCI: 0.76 )
GBCI' s 10-Year PEG Range
Min: 0.32   Max: 8.16
Current: 0.76

0.32
8.16
Shiller P/E 29.44
GBCI's Shiller P/E is ranked higher than
66% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.60 vs. GBCI: 29.44 )
GBCI' s 10-Year Shiller P/E Range
Min: 8.55   Max: 35.03
Current: 29.44

8.55
35.03

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.50
GBCI's Dividend Yield is ranked higher than
54% of the 1506 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. GBCI: 2.50 )
GBCI' s 10-Year Dividend Yield Range
Min: 1.4   Max: 5.63
Current: 2.5

1.4
5.63
Dividend Payout 0.44
GBCI's Dividend Payout is ranked higher than
66% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. GBCI: 0.44 )
GBCI' s 10-Year Dividend Payout Range
Min: 0.1   Max: 2
Current: 0.44

0.1
2
Dividend growth (3y) 4.90
GBCI's Dividend growth (3y) is ranked higher than
77% of the 1058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. GBCI: 4.90 )
GBCI' s 10-Year Dividend growth (3y) Range
Min: -8.6   Max: 28.5
Current: 4.9

-8.6
28.5
Yield on cost (5-Year) 2.33
GBCI's Yield on cost (5-Year) is ranked lower than
55% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. GBCI: 2.33 )
GBCI' s 10-Year Yield on cost (5-Year) Range
Min: 1.3   Max: 5.25
Current: 2.33

1.3
5.25
Share Buyback Rate -1.70
GBCI's Share Buyback Rate is ranked higher than
74% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. GBCI: -1.70 )
GBCI' s 10-Year Share Buyback Rate Range
Min: -1.7   Max: -15.5
Current: -1.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.23
GBCI's Price/Tangible Book is ranked higher than
59% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. GBCI: 2.23 )
GBCI' s 10-Year Price/Tangible Book Range
Min: 0.92   Max: 4.33
Current: 2.23

0.92
4.33
Price/DCF (Projected) 0.79
GBCI's Price/DCF (Projected) is ranked higher than
77% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. GBCI: 0.79 )
GBCI' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 2.94
Current: 0.79

0.3
2.94
Price/Median PS Value 1.43
GBCI's Price/Median PS Value is ranked higher than
60% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. GBCI: 1.43 )
GBCI' s 10-Year Price/Median PS Value Range
Min: 0.55   Max: 5.7
Current: 1.43

0.55
5.7
Price/Peter Lynch Fair Value 0.72
GBCI's Price/Peter Lynch Fair Value is ranked higher than
93% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. GBCI: 0.72 )
GBCI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.41   Max: 9.46
Current: 0.72

0.41
9.46
Price/Graham Number 1.34
GBCI's Price/Graham Number is ranked higher than
64% of the 1928 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. GBCI: 1.34 )
GBCI' s 10-Year Price/Graham Number Range
Min: 0.75   Max: 2.02
Current: 1.34

0.75
2.02
Earnings Yield (Greenblatt) 5.70
GBCI's Earnings Yield (Greenblatt) is ranked higher than
61% of the 1575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. GBCI: 5.70 )
GBCI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 9.7
Current: 5.7

0.6
9.7
Forward Rate of Return (Yacktman) 31.47
GBCI's Forward Rate of Return (Yacktman) is ranked higher than
86% of the 1413 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.52 vs. GBCI: 31.47 )
GBCI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -19.7   Max: 39.6
Current: 31.47

-19.7
39.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Glacier Bancorp, Inc is a Montana corporation incorporated in 2004 as a successor corporation to the Delaware Corporation originally incorporated in 1990. It is a regional multi-bank holding company which provides commercial banking services. The Company offers various banking products and services, including transaction and savings deposits, commercial, consumer, and real estate loans, mortgage origination services, and retail brokerage services. The Company serves individuals, small to medium-sized businesses, community organizations and public entities. The Company includes the parent holding company and the following nine subsidiaries which consist of the Bank and eight non-bank subsidiaries. The Company provides brokerage services include selling products such as stocks, bonds, mutual funds, limited partnerships, annuities and other insurance products through Raymond James Financial Services and Morgan Stanley Smith Barney, both non-affiliated companies. The Company's lending activities consist of the origination of both construction and permanent loans on residential real estate. The Company provides Builder Guidance Lines that are comprised of pre-sold and spec-home construction and lot acquisition loans. The majority of consumer loans are secured by real estate, automobiles, or other assets. The Company competes with other commercial banks, savings and loan, credit unions, association, finance, insurance and other non-depository companies operating in its market areas. It is subject to regulation, supervision and examination by the Federal Reserve. In general, the BHCA limits the business of bank holding companies to owning or controlling banks and engaging in other activities closely related to banking.
» More Articles for GBCI

Headlines

Articles On GuruFocus.com
4 Stocks Paying Higher Cash Dividends Jun 30 2014 
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My 4 Favorite Stocks with Recent Dividend Growth Jun 30 2013 
I own GBCI Nov 11 2012 
comment on GBCI Apr 03 2012 
Glacier Bancorp Inc. Reports Operating Results (10-K) Feb 28 2011 
Glacier Bancorp Inc. Reports Operating Results (10-Q) Nov 08 2010 
Glacier Bancorp Inc. Reports Operating Results (10-Q) Aug 06 2010 
Glacier Bancorp Inc. Reports Operating Results (10-Q) May 07 2010 
Glacier Bancorp Inc. (GBCI) Chairman of the Board Everit A Sliter buys 10,000 Shares Dec 07 2009 

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