Glacier Bancorp, Inc. — Cyborg Score 5/10

Mixed
Regional Banking

Strategic Profile

With total assets of $29.0 billion and shareholder equity of $3.6 billion, Glacier operates as a geographically diversified regional bank with a multi-state footprint. Established in 1955, the company has expanded both organically and through targeted acquisitions including a recent acquisition of Guaranty Bancshares completed in October 2025.

Cyborg Score Rationale

Recent quarterly earnings of $0.49 EPS missed analyst expectations of $0.62, though the company shows recovery in tangible book value. Analyst consensus is mixed with a "Moderate Buy" rating and recent analyst splits between holds and buys. Integration challenges and modest growth momentum temper otherwise solid fundamentals.

Top Insights

  • Q4 2025 EPS of $0.49 missed consensus estimates, with quarterly revenue of $306.51 million.
  • Bank holding company headquartered in Kalispell, Montana, delivering commercial and retail banking services across western and southwestern states.
  • Over the last five years, Glacier Bancorp grew revenue at a sluggish 5.7% compounded annual growth rate, below banking sector standards.
  • Average 12-month analyst price target is $56.50, suggesting modest upside from current trading levels.

Named Competitors

  • First Interstate BancSystem — Regional bank competing in western U.S. markets
  • CVB Financial — Regional bank holding company
  • ServisFirst Bancshares — Regional bank with stronger growth trajectory

Recent Developments

  • (January 2026) Q4 2025 net income of $63.8 million, down 6% from prior quarter but up 3% year-over-year.
  • (October 2025) Completed acquisition of Guaranty Bancshares, Inc. and its subsidiary Guaranty Bank & Trust, N.A.
  • (February 2026) Brean Capital downgraded Glacier Bancorp from "strong-buy" to "hold" rating.

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