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Glacier Bancorp, Inc. (GBCI) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $46.80, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: loans secured by real estate; Thin upside margin: 5.0%.

Glacier Bancorp is a Montana-based bank holding company operating Glacier Bank with 281 locations across Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, Nevada, and Texas. It serves individuals and small-to-medium businesses with retail and commercial banking;... Read more

$46.80+5.0% A.UpsideScore 6.3/10#29 of 142 Banks - Regional
QualityF-score8 / 9FCF yield—
IncomeYield2.82%(5y avg 2.97%)Payout77.10%
Stop $44.54Target $49.16(analyst − 13%)A.R:R 1.0:1
Analyst target$56.50+20.7%6 analysts
$49.16our TP
$46.80price
$56.50mean
$60

Hold if already holding. Not a fresh buy at $46.80, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: loans secured by real estate; Thin upside margin: 5.0%. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 6.3/10, moderate confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 65d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: moderate.

Val7.4Qual5.3Grw9.2Mom4.4Sent6.6Ins5.0Peer4.1Tech7.4Risk7.16.3OVERALL

Recent Developments — Glacier Bancorp, Inc.

Latest news

Generated 2026-05-20T20:21:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Attractive valuation
Strong growth profile
Risks
Concentration risk — Loan Portfolio: loans secured by real estate
Thin upside margin: 5.0%
V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3)

Key Metrics

P/E (TTM)21.9
P/E (Fwd)12.8
Mkt Cap$6.1B
EV/EBITDA—
Profit Mgn25.7%
ROE7.1%
Rev Growth39.7%
Beta0.75
Dividend2.82%
Rating analysts12

Quality Signals

Piotroski F8/9

Options Flow

P/C0.18bullish
IV41%normal

Concentration Risks(10-K Item 1A)

  • HIGHloan_portfolioloans secured by real estate
    10-K Item 1A: 'The Bank has a high concentration of loans secured by real estate, so a deterioration in the real estate markets could require material increases in the ACL and adversely affect our business'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 ceiling hit

GatesMomentum 4.4<4.5A.R:R 1.0 < 1.5@spotInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 65d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
43 · Neutral
↓ 20D MA↑ 50D MA↑ 200D MAGOLDEN CROSSSupport $45.44Resistance $50.15

Price Targets

$45
$49
A.Upside+5.0%
A.R:R1.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Momentum score 4.4/10 — below 4.5 minimum
! Reward/Risk 1.0:1 at current price — below 1.5:1 minimum

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-23 (65d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is GBCI stock a buy right now?

Hold if already holding. Not a fresh buy at $46.80, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: loans secured by real estate; Thin upside margin: 5.0%. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $49.16 (+5.0%), stop $44.54 (−5.1%), A.R:R 1.0:1. Score 6.3/10, moderate confidence.

What is the GBCI stock price target?

Take-profit target: $49.16 (+5.0% upside). Target $49.16 (+5.0%), stop $44.54 (−5.1%), A.R:R 1.0:1. Stop-loss: $44.54.

What are the risks of investing in GBCI?

Concentration risk — Loan Portfolio: loans secured by real estate; Thin upside margin: 5.0%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3).

Is GBCI overvalued or undervalued?

Glacier Bancorp, Inc. trades at a P/E of 21.9 (forward 12.8). TrendMatrix value score: 7.4/10. Verdict: Hold.

What do analysts say about GBCI?

12 analysts cover GBCI with a consensus score of 4.1/5. Average price target: $57.

What does Glacier Bancorp, Inc. do?Glacier Bancorp is a Montana-based bank holding company operating Glacier Bank with 281 locations across Montana,...

Glacier Bancorp is a Montana-based bank holding company operating Glacier Bank with 281 locations across Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, Nevada, and Texas. It serves individuals and small-to-medium businesses with retail and commercial banking; recent acquisitions include Guaranty Bancshares ($3.4B assets, Oct 2025) and Bank of Idaho ($1.4B assets, Apr 2025).

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