Glacier Bancorp Inc Financials
Glacier Bancorp Inc (GBCI) reported $101.1M in revenue for fiscal year 2025, up 7.5% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Glacier’s earnings engine is increasingly a balance-sheet scale story: assets reached $32.0B while ROE settled at 5.7% .
By FY2025, the company was larger and less levered than two years earlier, but not more efficient: debt-to-equity eased to 6.6x while return on assets remained only0.8% . That pairing suggests the balance sheet is being funded more conservatively than before, yet each added dollar of assets is still producing thin incremental earnings, so the structure is getting safer faster than it is getting more productive.
Cash generation still supports shareholder distributions. In FY2025, free cash flow was
The rebound from FY2024 looks more like stabilization than a full return to prior profitability. Net income recovered to
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Glacier Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Glacier Bancorp Inc passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Glacier Bancorp Inc generates $1.57 in operating cash flow ($374.4M OCF vs $239.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Glacier Bancorp Inc generated $101.1M in revenue in fiscal year 2025. This represents an increase of 7.5% from the prior year.
Glacier Bancorp Inc reported $239.0M in net income in fiscal year 2025. This represents an increase of 25.7% from the prior year.
Glacier Bancorp Inc earned $1.99 per diluted share (EPS) in fiscal year 2025. This represents an increase of 18.5% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Glacier Bancorp Inc generated $347.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 65.7% from the prior year.
Glacier Bancorp Inc held $1.2B in cash as of fiscal year 2025; long-term debt is not reported for that period.
Glacier Bancorp Inc paid $1.32 per share in dividends in fiscal year 2025. That is unchanged from the prior year.
Margins & Returns
Glacier Bancorp Inc's ROE was 5.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
Glacier Bancorp Inc invested $26.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 44.4% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
GBCI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | N/A | $101.1M+7.5% | $94.0M+6.2% | $88.5M+6.9% | $82.8M+27.1% | $65.2M+19.6% | $54.5M-22.0% | $69.9M-8.9% | $76.7M+9.8% | $69.8M+7.9% | $64.7M-79.8% | $319.7M+6.6% | $299.9M+13.8% | $263.6M+3.9% | $253.8M-9.4% | $280.1M |
| SG&A Expenses | N/A | $393.3M+16.7% | $336.9M+9.0% | $309.0M-3.2% | $319.3M+18.0% | $270.6M+7.0% | $253.0M+13.6% | $222.8M+14.2% | $195.1M+21.5% | $160.5M+5.8% | $151.7M+12.9% | $134.4M+13.3% | $118.6M+13.8% | $104.2M+9.3% | $95.4M+11.3% | $85.7M |
| Interest Expense | N/A | $406.8M-6.5% | $435.2M+33.5% | $326.0M+690.0% | $41.3M+122.3% | $18.6M-32.1% | $27.3M-36.1% | $42.8M+20.4% | $35.5M+19.0% | $29.9M+0.8% | $29.6M+1.2% | $29.3M+8.6% | $27.0M-6.2% | $28.8M-19.5% | $35.7M-19.7% | $44.5M |
| Income Tax | N/A | $51.2M+41.6% | $36.2M-19.1% | $44.7M-33.4% | $67.1M+3.7% | $64.7M+4.9% | $61.6M+26.7% | $48.6M+20.6% | $40.3M-37.6% | $64.6M+62.9% | $39.7M+16.7% | $34.0M-5.3% | $35.9M+19.6% | $30.0M+57.3% | $19.1M+6889.0% | -$281K |
| Net Income | N/A | $239.0M+25.7% | $190.1M-14.7% | $222.9M-26.5% | $303.2M+6.5% | $284.8M+6.9% | $266.4M+26.5% | $210.5M+15.8% | $181.9M+56.3% | $116.4M-3.9% | $121.1M+4.3% | $116.1M+3.0% | $112.8M+17.9% | $95.6M+26.7% | $75.5M+332.2% | $17.5M |
| EPS (Diluted) | — | $1.99+18.5% | $1.68-16.4% | $2.01-26.6% | $2.74-4.2% | $2.86+1.8% | $2.81+18.1% | $2.38+9.7% | $2.17+44.7% | $1.50-5.7% | $1.59+3.2% | $1.54+2.0% | $1.51+15.3% | $1.31+24.8% | $1.05+337.5% | $0.24 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
GBCI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $32.0B+14.6% | $27.9B+0.6% | $27.7B+4.2% | $26.6B+2.7% | $25.9B+40.2% | $18.5B+35.2% | $13.7B+12.9% | $12.1B+24.8% | $9.7B+2.7% | $9.5B+4.0% | $9.1B+9.4% | $8.3B+5.4% | $7.9B+1.8% | $7.7B+7.8% | $7.2B |
| Cash & Equivalents | $1.2B+45.6% | $848.4M-37.4% | $1.4B+236.9% | $402.0M-8.2% | $437.7M-30.9% | $633.1M+91.3% | $331.0M+62.4% | $203.8M+1.9% | $200.0M+31.1% | $152.5M-21.1% | $193.3M-56.3% | $442.4M+184.2% | $155.7M-16.8% | $187.0M+46.1% | $128.0M |
| Goodwill | $1.4B+31.1% | $1.1B+6.7% | $985.4M0.0% | $985.4M0.0% | $985.4M+91.7% | $514.0M+12.6% | $456.4M+57.6% | $289.6M+62.9% | $177.8M+20.9% | $147.1M+4.6% | $140.6M+8.4% | $129.7M0.0% | $129.7M+22.2% | $106.1M0.0% | $106.1M |
| Total Liabilities | $27.8B+12.5% | $24.7B-0.2% | $24.7B+3.9% | $23.8B+4.5% | $22.8B+40.5% | $16.2B+38.2% | $11.7B+10.6% | $10.6B+24.6% | $8.5B+2.1% | $8.3B+4.0% | $8.0B+10.1% | $7.3B+5.2% | $6.9B+1.1% | $6.8B+8.0% | $6.3B |
| Total Equity | $4.2B+30.7% | $3.2B+6.7% | $3.0B+6.2% | $2.8B-10.5% | $3.2B+37.7% | $2.3B+17.7% | $2.0B+29.3% | $1.5B+26.4% | $1.2B+7.4% | $1.1B+3.7% | $1.1B+4.7% | $1.0B+6.7% | $963.3M+6.9% | $900.9M+6.0% | $850.2M |
| Retained Earnings | $1.2B+7.0% | $1.1B+3.8% | $1.0B+7.9% | $967.0M+19.3% | $810.3M+21.3% | $667.9M+23.5% | $541.0M+14.3% | $473.2M+17.6% | $402.3M+7.4% | $374.4M+10.9% | $337.5M+12.1% | $301.2M+15.0% | $261.9M+24.4% | $210.5M+21.6% | $173.1M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
GBCI Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $444.6M | $374.4M+45.1% | $258.0M-48.5% | $500.7M+6.4% | $470.7M-17.7% | $572.0M+201.8% | $189.5M-16.4% | $226.6M-19.3% | $280.7M+10.2% | $254.7M+31.9% | $193.1M+9.2% | $176.8M-3.3% | $182.7M-45.3% | $334.1M+81.8% | $183.8M-1.6% | $186.8M |
| Capital Expenditures | $37.3M | $26.8M-44.4% | $48.3M-2.5% | $49.5M+46.7% | $33.8M | N/A | N/A | N/A | N/A | N/A | N/A | $18.2M+26.7% | $14.4M+60.3% | $9.0M-16.3% | $10.7M-38.7% | $17.5M |
| Free Cash Flow | $407.3M | $347.6M+65.7% | $209.8M-53.5% | $451.2M+3.3% | $436.9M | N/A | N/A | N/A | N/A | N/A | N/A | $158.5M-5.8% | $168.3M-48.2% | $325.1M+87.9% | $173.1M+2.2% | $169.4M |
| Investing Cash Flow | $867.6M | $1.1B+115.8% | $493.1M+337.7% | -$207.5M+84.7% | -$1.4B+65.4% | -$3.9B-9.6% | -$3.6B-8249.4% | -$42.7M+95.1% | -$872.4M-3788.1% | $23.7M+105.6% | -$421.3M+38.2% | -$681.3M-528.8% | $158.9M+6.5% | $149.2M+125.7% | -$579.6M-9.6% | -$529.1M |
| Financing Cash Flow | -$1.2B | -$1.1B+16.3% | -$1.3B-290.7% | $659.1M-22.0% | $845.4M-73.1% | $3.1B-14.6% | $3.7B+6572.9% | -$56.8M-109.5% | $595.5M+357.9% | -$230.9M-223.2% | $187.5M-26.6% | $255.4M+565.4% | -$54.9M+89.3% | -$514.7M-213.2% | $454.9M+24.6% | $365.2M |
| Dividends Paid | $168.2M | $162.7M+8.5% | $150.0M+2.3% | $146.7M-6.9% | $157.5M+8.2% | $145.6M+10.9% | $131.3M+5.5% | $124.5M+45.6% | $85.5M-23.5% | $111.7M+32.9% | $84.0M+5.8% | $79.5M+56.0% | $50.9M+15.2% | $44.2M-6.8% | $47.5M+26.9% | $37.4M |
Not reported in any period shown, so not listed: Share Buybacks.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
GBCI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 236.5% | 202.3% | 251.8% | 366.0% | 436.8% | 488.6% | 301.3% | 237.2% | 166.7% | 187.2% | 36.3%-1.3pp | 37.6%+1.3pp | 36.3%+6.5pp | 29.8%+23.5pp | 6.2% |
| Return on Equity | 5.7%-0.2pp | 5.9%-1.5pp | 7.4%-3.3pp | 10.7%+1.7pp | 9.0%-2.6pp | 11.6%+0.8pp | 10.7%-1.3pp | 12.0%+2.3pp | 9.7%-1.1pp | 10.8%+0.1pp | 10.8%-0.2pp | 11.0%+1.0pp | 9.9%+1.6pp | 8.4%+6.3pp | 2.1% |
| Return on Assets | 0.8%+0.1pp | 0.7%-0.1pp | 0.8%-0.3pp | 1.1%0.0pp | 1.1%-0.3pp | 1.4%-0.1pp | 1.5%0.0pp | 1.5%+0.3pp | 1.2%-0.1pp | 1.3%0.0pp | 1.3%-0.1pp | 1.4%+0.1pp | 1.2%+0.2pp | 1.0%+0.7pp | 0.2% |
| Debt-to-Equity | 6.59-1.1x | 7.66-0.5x | 8.19-0.2x | 8.37+1.2x | 7.16+0.1x | 7.02+1.0x | 5.98-1.0x | 6.99-0.1x | 7.09-0.4x | 7.460.0x | 7.44+0.4x | 7.08-0.1x | 7.19-0.4x | 7.60+0.1x | 7.45 |
| FCF Margin | 343.9% | 223.1% | 509.5% | 527.3% | N/A | N/A | N/A | N/A | N/A | N/A | 49.6%-6.5pp | 56.1% | 123.4% | 68.2%+7.7pp | 60.5% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
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Where Glacier Bancorp Inc Ranks
Frequently Asked Questions
What is Glacier Bancorp Inc's annual revenue?
Glacier Bancorp Inc (GBCI) reported $101.1M in total revenue for fiscal year 2025. This represents a 7.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Glacier Bancorp Inc's revenue growing?
Glacier Bancorp Inc (GBCI) revenue grew by 7.5% year-over-year, from $94.0M to $101.1M in fiscal year 2025.
Is Glacier Bancorp Inc profitable?
Yes, Glacier Bancorp Inc (GBCI) reported a net income of $239.0M in fiscal year 2025.
Does Glacier Bancorp Inc pay dividends?
Yes, Glacier Bancorp Inc (GBCI) paid $1.32 per share in dividends during fiscal year 2025.
What is Glacier Bancorp Inc's return on equity (ROE)?
Glacier Bancorp Inc (GBCI) has a return on equity of 5.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Glacier Bancorp Inc's free cash flow?
Glacier Bancorp Inc (GBCI) generated $347.6M in free cash flow during fiscal year 2025. This represents a 65.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Glacier Bancorp Inc's operating cash flow?
Glacier Bancorp Inc (GBCI) generated $374.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Glacier Bancorp Inc's total assets?
Glacier Bancorp Inc (GBCI) had $32.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Glacier Bancorp Inc's capital expenditures?
Glacier Bancorp Inc (GBCI) invested $26.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Glacier Bancorp Inc's debt-to-equity ratio?
Glacier Bancorp Inc (GBCI) had a debt-to-equity ratio of 6.59 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Glacier Bancorp Inc's return on assets (ROA)?
Glacier Bancorp Inc (GBCI) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Glacier Bancorp Inc's Piotroski F-Score?
Glacier Bancorp Inc (GBCI) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Glacier Bancorp Inc's earnings high quality?
Glacier Bancorp Inc (GBCI) has an earnings quality ratio of 1.57x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Glacier Bancorp Inc?
Glacier Bancorp Inc (GBCI) scores 53 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.