Glacier Bancorp (GBCI)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$46.83+1.01%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · GBCI
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is still in the top half of its industry but slipped notably this past month — worth watching.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 28.7% |
| Our one-year growth estimate | diamond | -0.7% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 29.4 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
GBCI — litigation filed
Dated 2026-08-31
Other Events On August 27, 2026, the Board of Directors (the “Board”) of Glacier Bancorp, Inc. (the “Company”), appointed Byron Pollan to serve as Senior Vice President in the newly created position of Deputy Chief Financial Officer of the Company and Glacier Bank, effective September 1, 2026. Upon Ron Copher’s previously announced retirement, now planned for mid-2027, Mr. Pollan will become an Executive Vice President and Chief Financial Officer of the Company and Glacier Bank, succeeding Mr…
Why it matters: An increase in NPAs may signal credit quality issues and impact future earnings.
Worry ifNPAs increase to above $80 million in Q2 2026.
Less concerning ifNPAs decrease below $79 million in Q2 2026.
Why it matters: Worse credit quality may mean higher risks in loans. This can affect future earnings.
Worry ifNet charge-offs as a percentage of total loans remain below 0.05%.
Less concerning ifNet charge-offs as a percentage of total loans exceed 0.05%.
Why it matters: Strong net income growth shows Glacier's growth plan is working well.
Supportive ifQ3 net income exceeds $112 million, representing over 15% growth from Q2's $97.9 million.
Worry ifQ3 net income growth is below 15%. This may mean problems with profits.
Why it matters: More non-performing assets might show higher credit risk. This can hurt investor trust.
Worry ifNon-performing assets are more than 0.30% of total assets.
Less concerning ifNon-performing assets are less than 0.30% of total assets.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$119 on $10,000 · ±1.2% | How much price usually moves either way. |
| Bad day | $256 loss on $10,000 · 2.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,956 loss on $10,000 · 19.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Worsening credit quality may show risks in loans. This can affect profits.
Worry ifNon-performing assets increase by more than 10% in the next quarter.
Less concerning ifNon-performing assets go down or stay the same.
Why it matters: A drop in revenue growth would signal a potential slowdown in the financial sector.
Worry ifRevenue growth reported at less than 12% year over year.
Less concerning ifRevenue growth remains at or above 12% year over year.
Why it matters: A stable or rising net interest margin shows good management of income and costs.
Supportive ifNet interest margin is above 3.80% in Q3. This shows strong income management.
Worry ifNet interest margin is below 3.80%. This may mean issues with income or costs.
Why it matters: Slower growth in net interest income may show the bank is making less money.
Worry ifQ3 net interest income growth falls below 3% compared to Q2.
Less concerning ifNet interest income growth remains at or above 3% compared to Q2.
Why it matters: More non-performing assets may mean higher credit risk and lower profits.
Worry ifNon-performing assets decrease from $79.5 million in Q1 2026.
Less concerning ifNon-performing assets increase from $79.5 million in Q1 2026.
Why it matters: Keeping the dividend shows the company is stable. It shows they care about shareholders.
Supportive ifQuarterly dividend stays at $0.33 per share in Q3. This shows steady capital use.
Worry ifDividend payout drops below $0.33 per share. This raises worries about financial health.
Why it matters: Maintaining the dividend shows financial health. A cut could signal trouble.
Worry ifThe dividend payout is the same as in past quarters.
Less concerning ifDividend payout decreases from the last quarter.
Why it matters: A higher NIM means better profits from loans. This can increase overall earnings.
Supportive ifNIM is over 3.80%. This shows good management of interest rates.
Worry ifNIM is below 3.58%. This suggests possible problems with interest income.
Why it matters: Loan growth shows people want Glacier's services. It also shows good credit risk management.
Supportive ifLoan portfolio growth is over 5% in Q3. This shows strong demand.
Worry ifLoan portfolio growth is below 5%. This may mean weaker demand or credit problems.
Why it matters: Slower net income growth may show problems in keeping profits.
Worry ifNet income growth below 15% year over year in the next earnings report.
Less concerning ifNet income growth remains at or above 15% year over year.
Why it matters: If sector revenue growth slows, it could hurt Glacier Bancorp's performance. The sector is currently in a growth phase.
Worry ifSector revenue growth falls below its median of 13%.
Less concerning ifSector revenue growth stays above its median.
Why it matters: More non-interest bearing deposits show strong customer trust. This can lower funding costs.
Supportive ifNon-interest bearing deposits grow more than 5% from Q1 2026.
Worry ifNon-interest bearing deposits grow less than 2% or decline.
Why it matters: Keeping the dividend shows that the company is stable. It also shows they care about shareholders.
Supportive ifThe company pays a quarterly dividend of $0.33.
Worry ifThe company cuts the quarterly dividend to below $0.33.
Why it matters: A drop in diluted EPS may show less profit and change how the market views the bank.
Worry ifQ3 diluted EPS falls below $0.70.
Less concerning ifQ3 diluted EPS remains at or above $0.70.