Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Glacier Bancorp (GBCI)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
$48.56-2.18%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
3.60 → 3.60 EPS · FY ending Dec 31, 2027 · 5 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 6, 2026 to Nov 5, 2026: (new ÷ prior − 1). Contributor count changed from 5 to 5; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for GBCI yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain consistent dividend payout | A supporting condition in Glacier Bancorp's published investment case. The stated target is quarterly dividend >= $0.33 per share next 4 quarters. | Intact | dividend per share falls below $0.33 next 4 quarters | Dividend per share: $0.35 per share FY2026-Q3; GAAP. Published target: quarterly dividend >= $0.33 per share next 4 quarters. Target period is not explicitly aligned with this observation. Nov 3, 20260.35 USD/share · source valueLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a regional banking business with a measured growth-and-acquisitions thesis, not a turnaround story. The thesis is intact, and the recent signal has shifted from mixed to mildly favorable, though the evidence base has medium confidence.
GBCI is valued at a premium to peers, and the valuation model indicates that expectations are relatively demanding. The expectations gap is aligned rather than showing a clear mismatch, while priced-in fragility is low because weak execution is the main concern identified.
Near term, recent results and operating measures are supportive: the latest reported earnings were described as a beat, net interest margin rose, and the efficiency ratio improved from the first to the second quarter of 2026. Loan growth and completed acquisitions support management’s growth focus, but credit evidence is mixed, and a past deep miss and recent peer misses remain risks despite a low estimated miss probability.
The multi-year view depends on disciplined loan growth and acquisitions continuing alongside margin and operating-efficiency progress. A guidance cut or rate cuts from the current level would be unfavorable signals, while continued strong earnings and higher guidance from sector bellwethers would support sector momentum; credit quality also needs watching as non-performing assets rose even as early delinquencies declined.
For the next one to three years, the business setup has improving operational evidence and an intact thesis, but the premium valuation leaves limited room for execution to weaken. Credit trends, guidance, and the rate backdrop are the key checks. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Net income growth to support earnings power | Glacier Bancorp grows net income steadily, with a 29% rise to $82.1 million in Q1 2026. | Under Pressure | net income growth falls below 10% YoY next 4 quarters | Net income: $104.562M FY2026-Q3; GAAP. Published target: >=29% YoY net income growth next 4 quarters. Target and observation units differ. Nov 3, 2026104,562,000 USD · source valueLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Operating income improvement | Operating income improved to $100.2 million, showing strong execution. | Under Pressure | operating income falls below $90 million next quarter | Operating income: $132.844M FY2026-Q3; GAAP. Published target: operating income >= $100 million next quarter. Target period is not explicitly aligned with this observation. Oct 22, 2026132,844,000 USD · source valueLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Sustain revenue growth | A primary condition in Glacier Bancorp's published investment case. The stated target is >=7% YoY revenue growth next 4 quarters. | Intact | revenue growth falls below 7% YoY next 4 quarters | Revenue growth: 16.92% FY2026-Q3; GAAP. Published target: >=7% YoY revenue growth next 4 quarters. Reported actuals cannot certify a consensus target without an explicit period and accounting-basis binding. Nov 3, 202616.915844 percent · calculatedLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$3.65 → $3.60 · observed estimates
$1.42B → $1.43B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $3.65 | $1,422,806,000 | 6 / 4 |
| 2026-07-25 | $3.65 | $1,422,781,000 | 6 / 4 |
| 2026-07-26 | $3.65 | $1,422,781,000 | 6 / 4 |
| 2026-07-27 | $3.63 | $1,418,644,800 | 5 / 3 |
| 2026-07-28 | $3.63 | $1,422,781,000 | 6 / 4 |
| 2026-07-29 | $3.63 | $1,418,644,800 | 5 / 3 |
| 2026-07-30 | $3.60 | $1,414,120,250 | 6 / 4 |
| 2026-07-31 | $3.60 | $1,414,120,250 | 6 / 4 |
| 2026-08-01 | $3.60 | $1,411,696,200 | 5 / 3 |
| 2026-08-02 | $3.60 | $1,411,696,200 | 5 / 3 |
| 2026-08-03 | $3.60 | $1,414,120,250 | 6 / 4 |
| 2026-08-04 | $3.60 | $1,414,120,250 | 6 / 4 |
| 2026-08-05 | $3.60 | $1,411,696,200 | 5 / 3 |
| 2026-08-06 | $3.60 | $1,414,120,250 | 6 / 4 |
| 2026-08-07 | $3.60 | $1,411,696,200 | 5 / 3 |
| 2026-08-08 | $3.60 | $1,414,120,250 | 6 / 4 |
| 2026-08-09 | $3.60 | $1,414,120,250 | 6 / 4 |
| 2026-08-10 | $3.60 | $1,414,120,250 | 6 / 4 |
| 2026-08-12 | $3.60 | $1,414,120,250 | 6 / 4 |
| 2026-08-13 | $3.60 | $1,414,120,250 | 6 / 4 |
| 2026-08-14 | $3.60 | $1,411,696,200 | 5 / 3 |
| 2026-08-15 | $3.60 | $1,411,696,200 | 5 / 3 |
| 2026-08-16 | $3.60 | $1,411,696,200 | 5 / 3 |
| 2026-08-17 | $3.60 | $1,411,696,200 | 5 / 3 |
| 2026-08-18 | $3.60 | $1,411,696,200 | 5 / 3 |
| 2026-08-19 | $3.60 | $1,411,696,200 | 5 / 3 |
| 2026-08-20 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-08-21 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-08-22 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-08-23 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-08-24 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-08-25 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-08-26 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-08-27 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-08-28 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-08-29 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-08-30 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-08-31 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-01 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-02 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-03 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-04 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-05 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-06 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-07 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-08 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-09 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-10 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-11 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-12 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-13 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-14 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-15 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-16 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-17 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-18 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-19 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-20 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-21 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-22 | $3.60 | $1,411,701,540 | 5 / 3 |
| 2026-09-23 | $3.59 | $1,411,122,540 | 5 / 3 |
| 2026-09-24 | $3.59 | $1,411,122,540 | 5 / 3 |
| 2026-09-25 | $3.59 | $1,411,122,540 | 5 / 3 |
| 2026-09-26 | $3.59 | $1,411,122,540 | 5 / 3 |
| 2026-09-27 | $3.59 | $1,411,122,540 | 5 / 3 |
| 2026-09-28 | $3.59 | $1,411,122,540 | 5 / 3 |
| 2026-09-29 | $3.59 | $1,411,122,540 | 5 / 3 |
| 2026-09-30 | $3.59 | $1,411,122,540 | 5 / 3 |
| 2026-10-01 | $3.59 | $1,411,122,540 | 5 / 3 |
| 2026-10-02 | $3.59 | $1,412,462,540 | 5 / 3 |
| 2026-10-03 | $3.60 | $1,412,462,540 | 5 / 3 |
| 2026-10-04 | $3.60 | $1,412,462,540 | 5 / 3 |
| 2026-10-05 | $3.60 | $1,412,462,540 | 5 / 3 |
| 2026-10-06 | $3.60 | $1,412,462,540 | 5 / 3 |
| 2026-10-07 | $3.60 | $1,412,462,540 | 5 / 3 |
| 2026-10-08 | $3.60 | $1,412,462,540 | 5 / 3 |
| 2026-10-09 | $3.57 | $1,412,462,540 | 5 / 3 |
| 2026-10-10 | $3.57 | $1,412,462,540 | 5 / 3 |
| 2026-10-11 | $3.57 | $1,412,462,540 | 5 / 3 |
| 2026-10-12 | $3.57 | $1,412,462,540 | 5 / 3 |
| 2026-10-13 | $3.57 | $1,412,462,540 | 5 / 3 |
| 2026-10-14 | $3.57 | $1,412,462,540 | 5 / 3 |
| 2026-10-15 | $3.57 | $1,412,462,540 | 5 / 3 |
| 2026-10-16 | $3.57 | $1,412,462,540 | 5 / 3 |
| 2026-10-17 | $3.57 | $1,412,462,540 | 5 / 3 |
| 2026-10-18 | $3.57 | $1,412,462,540 | 5 / 3 |
| 2026-10-19 | $3.57 | $1,412,462,540 | 5 / 3 |
| 2026-10-20 | $3.57 | $1,412,462,540 | 5 / 3 |
| 2026-10-21 | $3.57 | $1,412,462,540 | 5 / 3 |
| 2026-10-22 | $3.57 | $1,412,462,540 | 5 / 3 |
| 2026-10-23 | $3.57 | $1,412,462,540 | 5 / 3 |
| 2026-10-24 | $3.57 | $1,413,357,200 | 5 / 3 |
| 2026-10-25 | $3.57 | $1,413,357,200 | 5 / 3 |
| 2026-10-26 | $3.60 | $1,424,037,200 | 5 / 3 |
| 2026-10-27 | $3.60 | $1,424,037,200 | 5 / 3 |
| 2026-10-28 | $3.60 | $1,425,859,600 | 5 / 3 |
| 2026-10-29 | $3.60 | $1,425,859,600 | 5 / 3 |
| 2026-10-30 | $3.60 | $1,425,859,600 | 5 / 3 |
| 2026-10-31 | $3.60 | $1,425,859,600 | 5 / 3 |
| 2026-11-01 | $3.60 | $1,425,859,600 | 5 / 3 |
| 2026-11-02 | $3.60 | $1,425,859,600 | 5 / 3 |
| 2026-11-03 | $3.60 | $1,425,859,600 | 5 / 3 |
| 2026-11-04 | $3.60 | $1,425,859,600 | 5 / 3 |
| 2026-11-05 | $3.60 | $1,425,859,600 | 5 / 3 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 5 Buy / Strong Buy · 1 Hold · 0 Sell / Strong Sell
Recent actions · Oct 7–Nov 5 · 1 recorded
0 raises · 0 cuts · 0 unchanged · 1 without a comparable prior
Oct 7, 2026–Nov 5, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.