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19.78 (1y: +39%)
Market Cap 1.4 B P/E(ttm) 17.80
Enterprise Value 2.34 B P/B 1.58
GBCI- NAS (USA)
Glacier Bancorp Inc
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$19.78
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.165
GBCI's Cash to Debt is ranked lower than
76% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. GBCI: 0.165 )
GBCI' s 10-Year Cash to Debt Range
Min: 0.09   Max: 0.28
Current: 0.17
0.09
0.28
Equity to Asset 0.102
GBCI's Equity to Asset is ranked higher than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. GBCI: 0.102 )
GBCI' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.1
0.07
0.1
Interest Coverage No Debt
GBCI's Interest Coverage is ranked higher than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. GBCI: No Debt )
GBCI' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.34
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 5/10

vs
industry		 vs
history
Operating margin (%) 30.60
GBCI's Operating margin (%) is ranked higher than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. GBCI: 30.60 )
GBCI' s 10-Year Operating margin (%) Range
Min: 5.5   Max: 46.2
Current: 30.6
5.5
46.2
Net-margin (%) 24.4
GBCI's Net-margin (%) is ranked higher than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. GBCI: 24.4 )
GBCI' s 10-Year Net-margin (%) Range
Min: 5.6   Max: 31.4
Current: 24.4
5.6
31.4
ROE (%) 8.4
GBCI's ROE (%) is ranked higher than
64% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. GBCI: 8.4 )
GBCI' s 10-Year ROE (%) Range
Min: 2.1   Max: 16.5
Current: 8.4
2.1
16.5
ROA (%) 1
GBCI's ROA (%) is ranked higher than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. GBCI: 1 )
GBCI' s 10-Year ROA (%) Range
Min: 0.2   Max: 1.5
Current: 1
0.2
1.5
Revenue Growth (%) -5.5
GBCI's Revenue Growth (%) is ranked lower than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. GBCI: -5.5 )
GBCI' s 10-Year Revenue Growth (%) Range
Min: -5.5   Max: 11.1
Current: -5.5
-5.5
11.1
EBITDA Growth (%) 15.4
GBCI's EBITDA Growth (%) is ranked higher than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.10 vs. GBCI: 15.4 )
GBCI' s 10-Year EBITDA Growth (%) Range
Min: -32.8   Max: 18.9
Current: 15.4
-32.8
18.9
EPS Growth (%) 17
GBCI's EPS Growth (%) is ranked lower than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. GBCI: 17 )
GBCI' s 10-Year EPS Growth (%) Range
Min: -33   Max: 17
Current: 17
-33
17
ยป GBCI's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

GBCI Guru Trades in Q2 2012

John Keeley 57,650 sh (+12.71%)
David Dreman 483,662 sh (+0.32%)
Private Capital 159,323 sh (-1.85%)
Ken Fisher 2,505,593 sh (-4.6%)
Jim Simons 88,160 sh (-17.42%)
» More
Q3 2012

GBCI Guru Trades in Q3 2012

John Keeley 62,150 sh (+7.81%)
Ken Fisher 2,481,158 sh (-0.98%)
David Dreman 470,981 sh (-2.62%)
Private Capital 143,798 sh (-9.74%)
Jim Simons 75,460 sh (-14.41%)
» More
Q4 2012

GBCI Guru Trades in Q4 2012

Manning & Napier Advisors, Inc 413,900 sh (New)
Jim Simons 88,460 sh (+17.23%)
John Keeley 63,750 sh (+2.57%)
David Dreman 465,183 sh (-1.23%)
Ken Fisher 2,332,371 sh (-6%)
Private Capital 116,448 sh (-19.02%)
» More
Q1 2013

GBCI Guru Trades in Q1 2013

Chuck Royce 129,500 sh (New)
Steven Cohen 190,418 sh (New)
John Keeley 81,650 sh (+28.08%)
Jim Simons Sold Out
Ken Fisher 2,315,285 sh (-0.73%)
David Dreman 459,936 sh (-1.13%)
Private Capital 103,165 sh (-11.41%)
Manning & Napier Advisors, Inc 163,300 sh (-60.55%)
» More
» Details

Insider Trades

Latest Guru Trades with GBCI

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2013-03-31 Add 28.08%0.01%$14.71 - $18.98 $ 19.7819%81650
David Dreman 2012-03-31 Add 48.28%0.05%$12.53 - $15.5 $ 19.7850%482122
David Dreman 2011-12-31 New Buy0.09%$9.09 - $12.51 $ 19.7872%325144
John Keeley 2011-09-30 Reduce -71.42%0.02%$9.23 - $13.75 $ 19.7871%39650
Ken Fisher 2011-03-31 Add 26.48%0.03%$14.09 - $15.94 $ 19.7832%3434398
Private Capital 2010-09-30 Reduce -58.32%0.34%$13.75 - $16.73 $ 19.7833%244881
Ken Fisher 2010-03-31 Add 25.19%0.02%$13.72 - $15.94 $ 19.7836%2628573
John Keeley 2010-03-31 Reduce -57.63%0.02%$13.72 - $15.94 $ 19.7836%178640
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 17.80
GBCI's P/E(ttm) is ranked higher than
50% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. GBCI: 17.80 )
GBCI' s 10-Year P/E(ttm) Range
Min: 8.3   Max: 70.58
Current: 17.8
8.3
70.58
P/B 1.58
GBCI's P/B is ranked lower than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. GBCI: 1.58 )
GBCI' s 10-Year P/B Range
Min: 0.78   Max: 4.14
Current: 1.58
0.78
4.14
P/S 4.68
GBCI's P/S is ranked lower than
79% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. GBCI: 4.68 )
GBCI' s 10-Year P/S Range
Min: 2.04   Max: 7.21
Current: 4.68
2.04
7.21
PFCF 6.89
GBCI's PFCF is ranked higher than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. GBCI: 6.89 )
GBCI' s 10-Year PFCF Range
Min: 2.86   Max: 31.04
Current: 6.89
2.86
31.04
EV-to-EBIT 23.06
GBCI's EV-to-EBIT is ranked lower than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. GBCI: 23.06 )
GBCI' s 10-Year EV-to-EBIT Range
Min: 7.3   Max: 179.8
Current: 23.06
7.3
179.8
Shiller P/E 22.54
GBCI's Shiller P/E is ranked higher than
65% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. GBCI: 22.54 )
GBCI' s 10-Year Shiller P/E Range
Min: 9.52   Max: 27.38
Current: 22.54
9.52
27.38

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.73
GBCI's Dividend Yield is ranked higher than
84% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. GBCI: 2.73 )
GBCI' s 10-Year Dividend Yield Range
Min: 1.66   Max: 6.33
Current: 2.73
1.66
6.33
Dividend Payout 0.7
GBCI's Dividend Payout is ranked higher than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. GBCI: 0.7 )
GBCI' s 10-Year Dividend Payout Range
Min: 0.26   Max: 2.14
Current: 0.7
0.26
2.14
Dividend growth (3y) -5
GBCI's Dividend growth (3y) is ranked higher than
97% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. GBCI: -5 )
GBCI' s 10-Year Dividend growth (3y) Range
Min: -6.5   Max: 20.7
Current: -5
-6.5
20.7
Yield on cost (5-Year) 3.41
GBCI's Yield on cost (5-Year) is ranked higher than
83% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. GBCI: 3.41 )
GBCI' s 10-Year Yield on cost (5-Year) Range
Min: 2.02   Max: 7.7
Current: 3.41
2.02
7.7
Share Buyback Rate -4
GBCI's Share Buyback Rate is ranked higher than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. GBCI: -4 )
GBCI' s 10-Year Share Buyback Rate Range
Min: -1.6   Max: -16.1
Current: -4

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.7
GBCI's Price/Tangible Book is ranked higher than
81% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. GBCI: 1.7 )
GBCI' s 10-Year Price/Tangible Book Range
Min: 1.2   Max: 4
Current: 1.7
1.2
4
Price/DCF (Projected) 0.7
GBCI's Price/DCF (Projected) is ranked higher than
79% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. GBCI: 0.7 )
GBCI' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 1.2
Current: 0.7
0.3
1.2
Price/Median PS Value 1.3
GBCI's Price/Median PS Value is ranked higher than
78% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. GBCI: 1.3 )
GBCI' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.7
Current: 1.3
0.7
1.7
Price/Graham Number 1.2
GBCI's Price/Graham Number is ranked higher than
87% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. GBCI: 1.2 )
GBCI' s 10-Year Price/Graham Number Range
Min: 0.8   Max: 1.9
Current: 1.2
0.8
1.9
Earnings Yield (Greenblatt) 4.30
GBCI's Earnings Yield (Greenblatt) is ranked higher than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. GBCI: 4.30 )
GBCI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 13.7
Current: 4.3
0.6
13.7
Forward Rate of Return (Yacktman) -6.87
GBCI's Forward Rate of Return (Yacktman) is ranked higher than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. GBCI: -6.87 )
GBCI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -19.4   Max: 36.6
Current: -6.87
-19.4
36.6

Business Description

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 providing commercial banking services. The Company offers a range of 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 eighteen subsidiaries which consist of eleven bank subsidiaries and seven trust subsidiaries. The Company provides full service 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 strategy has been to profitably grow its business through internal growth and selective acquisitions. The Company's lending activities consist of the origination of both construction and permanent loans on residential real estate loans. 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. Commercial banking is a highly competitive business. The Company competes with other commercial banks, savings and loan associations, credit unions, finance, insurance and other non-depository companies operating in its market areas. The Company is subject to substantial competition for loans and deposits from other financial institutions. 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.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for GBCI

Headlines

Articles On GuruFocus.com
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 
Guru Stocks at 52-Week Low: MetroPCS Communications Inc, Leap Wireless International Inc, Glacier Ba Nov 07 2009 
Kenneth Fisher recent bank activity: JPMorgan Chase & Co., Citigroup Inc., UBS AG, Glacier Bancorp Sep 20 2009 
Glacier Bancorp Inc. (GBCI) Chairman of the Board Everit A Sliter buys 2,200 Shares Aug 05 2009 
Glacier Bancorp Inc. Reports Operating Results (10-Q) May 08 2009 
Bruce Sherman Buys Motorola Inc., Tibco Software Inc., Checkfree Corp., Sells Bandag, Inc. Class A, Aug 17 2007 

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