ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Glacier Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 6.30%
2
The Bank has a high Capital Adequacy Ratio of 38.74% signifying high buffers against its risk based assets
3
Positive results in Jun 25
- CREDIT DEPOSIT RATIO(Q) Highest at 0.25%
- NII(Q) Highest at USD 207.62 MM
- CASH AND EQV(HY) Highest at USD 697.65 MM
4
With ROA of 0.47%, it has a very expensive valuation with a 1.46 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -25.47%, its profits have risen by 7.9% ; the PEG ratio of the company is 2.8
- At the current price, the company has a high dividend yield of 1820.9
5
Below par performance in long term as well as near term
- Along with generating -25.47% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Glacier Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Glacier Bancorp, Inc. for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Glacier Bancorp, Inc.
-25.11%
0.64
33.85%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.12%
EBIT Growth (5y)
-1.39%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
78.61%
Pledged Shares
0
Institutional Holding
86.29%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
22
Industry P/E
Price to Book Value
1.46
EV to EBIT
34.55
EV to EBITDA
28.74
EV to Capital Employed
1.27
EV to Sales
6.32
PEG Ratio
2.84
Dividend Yield
1820.91%
ROCE (Latest)
3.66%
ROE (Latest)
6.57%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
CREDIT DEPOSIT RATIO(Q)
Highest at 0.25%
NII(Q)
Highest at USD 207.62 MM
CASH AND EQV(HY)
Highest at USD 697.65 MM
NET SALES(Q)
Highest at USD 308.12 MM
-2What is not working for the Company
GROSS NPA (%)
(Q
Here's what is working for Glacier Bancorp, Inc.
Credit Deposit Ratio
Highest at 0.25% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
NII
Highest at USD 207.62 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 308.12 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 697.65 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at USD 11.42 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for Glacier Bancorp, Inc.
Non Performing Loans (%)
Highest at 0.25%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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