Glacier Bancorp, Inc. research snapshot
GBCI AI stock analysis currently reads Glacier Bancorp as a well-capitalized community bank holding company serving the western United States, with a conservative lending culture, consistent dividend growth, and a durable deposit base. The analysis is not a certain price prediction. At the August 3, 2026 cutoff, the latest verified close was $49.22 on July 31, 2026, market capitalization was about $6.41 billion, and the main question was whether the Q2 earnings beat, net interest margin stabilization, and loan growth can sustain earnings into a lower-rate environment. This is informational research and not investment advice.
Current price
$49.22
Market cap
$6.41 billion
AI score
60 / 100
Rating
Conservative western US bank, fair value after a Q2 earnings beat
Trend status
Pullback from July high, holding above the 200-day average
Data cutoff (updated monthly)
August 4, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | Glacier Bancorp operates community banks across Montana, Idaho, Wyoming, Colorado, Utah, Washington, Arizona, Nevada, and Oregon, focusing on relationship-based commercial and residential lending. | High |
| Moat | The moat comes from local market knowledge, long-tenured banking relationships, conservative underwriting, and a fragmented market structure across its western US footprint. | Medium |
| Management | Management has maintained conservative credit standards through multiple cycles and grown through disciplined bank acquisitions. Q2 2026 net income grew strongly and EPS matched consensus at $0.76. | Medium-high |
| Financial trend | TTM net income of about $311.7 million, FY2025 sales of $1.44 billion up 13.3%, profit margin of 27.6%, and ROE of 7.95% reflect a stable but moderate-return banking model with improving earnings momentum. | High |
| Valuation | At about 20.2x TTM earnings, 1.48x book value, and 4.43x sales on Barchart data, GBCI trades at a premium to the regional bank peer group, partly justified by consistent profitability and dividend growth. | Medium |
| Technical trend | Price at $49.22 is below the 50-day SMA of $49.82 but above the 200-day SMA of $46.91, with 14-day RSI at 44.45 indicating neutral momentum after a pullback from the July high of $54.58. | Medium |
| Risk level | Key risks are net interest margin compression from Fed rate cuts, credit quality deterioration in commercial real estate, acquisition integration, and local economic concentration in the western US. | Medium-high |
| AI confidence | High confidence for balance-sheet composition, latest reported financials, and market cap math. Medium confidence for forward earnings because rate-path and credit assumptions are uncertain. | High data confidence |
| Investment certainty | Glacier Bancorp is a conservatively run bank with a multi-decade dividend growth streak, but the current valuation leaves limited margin of safety given uncertain net interest income trends. | Medium |
GBCI AI stock forecast
The GBCI AI stock forecast should be read as scenario math, not a promise. Using a July 31, 2026 close near $49.22, a consensus FY2026 EPS estimate of $3.15, and a three-year framework, the tested range spans a bearish area near $35, a base area near $48, and a bullish area near $65. These outputs depend on EPS growth, net interest margin trends, credit quality, and the terminal earnings multiple.
$58 to $71
More likely if the Fed cuts rates to stimulate economic activity, loan growth accelerates, credit quality remains strong, and GBCI executes successful bank acquisitions that expand its footprint, allowing the market to assign a 17x to 18x forward multiple.
$43 to $53
More likely if GBCI grows EPS in the mid single digits, net interest margin stabilizes around current levels, and the market assigns a 15x to 16x earnings multiple consistent with regional bank averages.
$32 to $38
More likely if CRE credit losses emerge, net interest margin compresses faster than expected, recession reduces loan demand, or the market assigns a 12x to 13x multiple to regional banks.
GBCI AI technical analysis
GBCI AI technical analysis shows a pullback within a longer uptrend. As of the July 31, 2026 close of $49.22, GBCI had retreated from its 52-week high of $54.58 set on July 16, 2026. The price sits below the 50-day SMA of $49.82 but above the 200-day SMA of $46.91. The 14-day RSI of 44.45 is neutral, ADX of 22.96 suggests a weak trend, and ATR of 1.14 implies moderate daily volatility.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $49.22 | MarketBeat shows the July 31, 2026 close at $49.22. |
| Near support | $48.88 | First support level from Barchart key turning points. |
| Deeper support | $48.21 to $48.46 | Second and third Barchart support levels, followed by the 200-day SMA at $46.91. |
| Near resistance | $49.54 | First resistance level from Barchart key turning points. |
| Upper resistance | $50.21 to $54.58 | Barchart third resistance point, then the 52-week high set on July 16, 2026. |
| 50-day SMA | $49.82 | Barchart daily moving average reading near the July 31 session. |
| 200-day SMA | $46.91 | Barchart daily moving average reading. The key support area for the medium-term trend. |
| Momentum | RSI 44.45 (14-day) | Neutral, not overbought or oversold after the recent pullback. |
| Volatility | ATR 1.14 (14-day) | Moderate daily volatility of about 2.3%. Position sizing should account for swing risk. |
| Invalidation | Close below $47 | A decisive close below the 200-day SMA area would weaken the medium-term bullish structure. |
GBCI AI trading strategy
The GBCI AI trading strategy below is a research and risk-control framework, not personalized advice. It combines business evidence, technical confirmation, and predefined invalidation levels.
Watch for GBCI to reclaim the 50-day moving average near $49.80 and the 20-day average near $51, then push through the $54.58 July high with expanding volume.
A failed reclaim or close back below the $47 to $49 moving-average zone should invalidate the setup.
If GBCI pulls back toward the $48 to $49 support area without a thesis break, compare price action with quarterly earnings trends, net interest margin commentary, and loan growth guidance.
Avoid averaging down unless the maximum loss, position size, and earnings-event risk are defined before entry.
Track quarterly net interest margin, loan growth, non-performing asset trends, efficiency ratio, acquisition announcements, and dividend growth trajectory.
Reduce confidence when credit costs rise faster than net interest income, or if core deposit costs increase faster than loan yields.
Investment research summary
Glacier Bancorp is a multi-state community bank holding company that generates net interest income from loans and deposits, and non-interest income from mortgage banking, service charges, and fee-based products. Customers choose GBCI for local decision-making, long-term banking relationships, and community-focused service across the western US.
The moat is built from local market knowledge, long-tenured customer relationships, conservative credit culture, and a fragmented western US market where community relationships matter more than scale-driven efficiency.
The thesis fails if commercial real estate credit losses emerge significantly, net interest margin compresses faster than cost savings can offset, deposit costs rise faster than loan yields, acquisition integration causes cultural friction or credit surprises, or western US economic activity enters a prolonged downturn.
Management has grown Glacier through organic expansion and disciplined bank acquisitions across nine western states. The team has maintained conservative underwriting through multiple credit cycles, and Q2 2026 EPS of $0.76 matched consensus on stronger net income. Key risk is succession planning and integration complexity from the acquisition pipeline.
Regional banks face margin pressure from Fed rate-cutting cycles, competition from larger national banks and fintech lenders, and regulatory costs. Glacier benefits from limited large-bank competition in many of its markets and a loyal deposit base.
At $49.22 and about 20x TTM earnings, GBCI trades at a premium to the regional bank peer group. Margin of safety is limited unless the bank can grow earnings at a mid single-digit rate and maintain credit quality through the rate cycle.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| GBCI price | $49.22 close on July 31, 2026 | MarketBeat earnings page | August 3, 2026 |
| Market capitalization | $6.41 billion, verified as $49.22 x 130.14 million shares | Barchart quote page and financial_rigor.py | August 3, 2026 |
| Shares outstanding | Approximately 130.14 million shares | Barchart quote overview | August 3, 2026 |
| FY2025 annual sales | $1.44 billion, up 13.3% year over year | Barchart financial summary | August 3, 2026 |
| TTM revenue | $1.13 billion | Yahoo Finance statistics section | August 3, 2026 |
| TTM net income | $311.68 million | Yahoo Finance statistics section | August 3, 2026 |
| EPS (TTM) | $2.44 | Yahoo Finance and MarketBeat | August 3, 2026 |
| PE ratio (TTM) | About 20.2x | MarketBeat and Yahoo Finance | August 3, 2026 |
| Price to book | 1.48x | Barchart quote overview | August 3, 2026 |
| Price to sales | 4.43x | Barchart quote overview | August 3, 2026 |
| Book value per share | Approximately $33 (price / PB ratio) | Calculated from Barchart price and PB ratio | August 3, 2026 |
| Dividend | $1.32 annualized, about 2.7% yield, ex-date July 7, 2026 | Yahoo Finance and Barchart dividend data | August 3, 2026 |
| Profit margin | 27.59% | Yahoo Finance statistics section | August 3, 2026 |
| Return on equity | 7.95% | Yahoo Finance statistics section | August 3, 2026 |
| Return on assets | 1.03% | Yahoo Finance statistics section | August 3, 2026 |
| Total cash (MRQ) | $1.06 billion | Yahoo Finance statistics section | August 3, 2026 |
| Beta (5Y monthly) | 0.72 | Yahoo Finance and Barchart | August 3, 2026 |
| 52-week range | $39.90 to $54.58 | Yahoo Finance and Barchart | August 3, 2026 |
| Q2 FY2026 results | EPS $0.76 matching consensus, revenue $320.94 million, reported July 23, 2026 | MarketBeat earnings history | August 3, 2026 |
| Analyst price target | Average $56.58, range $54 to $60 | Yahoo Finance analyst insights | August 3, 2026 |
| Technical indicators | 50-day SMA $49.82, 200-day SMA $46.91, 14-day RSI 44.45, ATR 1.14, ADX 22.96 | Barchart technical analysis | August 3, 2026 |
| Scenario valuation | Three-year framework: bear near $35, base near $48, bull near $65 | financial_rigor.py three-scenario calculation | August 3, 2026 |
This GBCI AI stock analysis page is an informational research tool only and is not investment advice, a recommendation, or a personalized trading plan. Forecast scenarios are based on available public data as of the stated cutoff date, may be wrong, and should be checked against current filings, market data, and your own risk constraints.
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