Glacier Bancorp (FRA:GLC) Moat Score: 5/10 (As of Jul. 03, 2026)


FRA:GLC Glacier Bancorp Inc FRA:GLC
60 GF Score
Price €45.20
GF Value €44.11
! 4 Warning Signs
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What is Glacier Bancorp Moat Score?

Glacier Bancorp FRA:GLC +3.67% 60 Moat Score is 5 as of Jul. 03, 2026. GuruFocus rates FRA:GLC with a GF Score™ of 60/100 and a GF Value™ of €44.11. The stock has 4 warning signs investors should review. Among 1,611 Banks companies, Glacier Bancorp ranks better than 94.04% on this metric.

Glacier Bancorp has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Glacier Bancorp has Narrow Moat: Glacier Bancorp Inc has a solid narrow moat with strong regional market share and customer loyalty. It benefits from economies of scale and regulatory barriers in banking, but lacks significant network effects and intellectual property.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Glacier Bancorp might have Narrow Moat - Solid narrow moat.

Glacier Bancorp  (FRA:GLC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Glacier Bancorp Moat Score Related Terms

FRA:GLC vs FNB, CBC, FLG: Moat Score Comparison

For the Banks - Regional subindustry, Glacier Bancorp's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Glacier Bancorp Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Glacier Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Glacier Bancorp's Moat Score falls into.


FRA:GLC
60GF Score
Glacier Bancorp Inc FRA:GLC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Glacier Bancorp (FRA:GLC) has a Moat Score of 5 as of Jul. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Glacier Bancorp ranks #96 out of 1611 companies in the Banks industry, placing it in the top 6%.
Is Glacier Bancorp's Moat Score too high?
Glacier Bancorp's current Moat Score is 5. Based on the distribution chart, Glacier Bancorp ranks #96 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Glacier Bancorp has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Glacier Bancorp's Moat Score compare to FNB and CBC?
According to the Banks industry distribution chart, Glacier Bancorp ranks #96 out of 1611 companies for Moat Score. This places Glacier Bancorp in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Glacier Bancorp's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Glacier Bancorp stock overvalued right now?
Glacier Bancorp (FRA:GLC) has a current Moat Score of 5. The stock's GF Value™ is €44.11, compared to a current price of €45.20 — trading 2.5% above its estimated fair value. The current Moat Score is 5. Glacier Bancorp's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Glacier Bancorp (FRA:GLC), the current Moat Score is 5 as of Jul. 03, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Glacier Bancorp (FRA:GLC) Overvalued in 2026?

Based on GuruFocus' analysis, Glacier Bancorp stock appears to be overvalued. The current stock price of €45.20 is trading 2.5% above its estimated GF Value™ of €44.11.

Key valuation signals for FRA:GLC:

  • Moat Score: 5
  • GF Value™: €44.11 vs. price of €45.20 (2.5% above fair value)
  • GF Score™: 60/100 with 4 warning signs

No single metric tells the full story. See the FRA:GLC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Glacier Bancorp Business Description

Other Exchanges GBCI:USA
Address 49 Commons Loop, Kalispell, MT, USA, 59901
Glacier Bancorp Inc is a regional bank holding company providing commercial banking services through its wholly owned bank subsidiary, Glacier Bank. The group provides a full range of banking services to individuals, small to medium-sized businesses, community organizations, and public entities from several locations in Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, Nevada, and Texas. It offers various banking products and services, including: retail banking, business banking, real estate, commercial, agriculture, and consumer loans; and mortgage origination and loan servicing services, among others.
60GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€45.20
Price
€44.11
GF Value