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 -20.93%, 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 -20.93% 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, High Return
Absolute
Risk Adjusted
Volatility
Glacier Bancorp, Inc.
11.24%
0.77
34.11%
S&P 500
22.99%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.62%
EBIT Growth (5y)
-3.58%
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
66.23%
Pledged Shares
0
Institutional Holding
83.87%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
22
Industry P/E
Price to Book Value
1.34
EV to EBIT
27.53
EV to EBITDA
23.15
EV to Capital Employed
1.25
EV to Sales
5.48
PEG Ratio
2.05
Dividend Yield
1551.14%
ROCE (Latest)
4.55%
ROE (Latest)
5.99%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 406.68 MM
NII(Q)
Highest at USD 268.68 MM
ROCE(HY)
Highest at 0.89%
CASH AND EQV(HY)
Highest at USD 672.33 MM
OPERATING PROFIT(Q)
Highest at USD 109.52 MM
OPERATING PROFIT MARGIN(Q)
Highest at 30.23 %
PRE-TAX PROFIT(Q)
Highest at USD 109.07 MM
NET PROFIT(Q)
Highest at USD 89.45 MM
EPS(Q)
Highest at USD 0.63
-6What is not working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Lowest at 0.89%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 52.32%
Here's what is working for Glacier Bancorp, Inc.
NII
Highest at USD 268.68 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 406.68 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 109.52 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 30.23 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 109.07 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 109.07 MM has Grown at 70.22%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 89.45 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 89.45 MM has Grown at 62.42%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.63
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 672.33 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Glacier Bancorp, Inc.
Non Performing Loans (%)
Highest at 0.37% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Dividend Payout Ratio
Lowest at 52.32%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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