Glacier Bancorp, Inc. (GBCI) Income Statement Analysis

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Complete financial analysis of Glacier Bancorp, Inc. (GBCI) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Glacier Bancorp, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.

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Glacier Bancorp, Inc. (GBCI)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.glacierbancorp.com

About Glacier Bancorp, Inc.

Glacier Bancorp, Inc. operates as the bank holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the United States. It offers non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal and demand deposit accounts, savings accounts, money market deposit accounts, fixed rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts. The company also provides construction and permanent loans on residential real estate; consumer land or lot acquisition loans; unimproved land and land development loans; and residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. In addition, it offers commercial real estate loans to purchase, construct, and finance commercial real estate properties; consumer loans secured by real estate, automobiles, or other assets; paycheck protection program loans; home equity loans consisting of junior lien mortgages, and first and junior lien lines of credit secured by owner-occupied 1-4 family residences; and agriculture loans. Further, the company provides mortgage origination and loan servicing services. It has 224 locations, including 188 branches and 36 loan or administration offices in 75 counties within 8 states comprising Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, and Nevada. The company was founded in 1955 and is headquartered in Kalispell, Montana.

Metric	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985
Revenue	787.47M	884.97M	778.89M	727.79M	629.09M	538.72M	446.57M	419.51M	386.88M	360.66M	320.98M	288.01M	313.81M	322.31M	331.80M	273.65M	248.29M	210.13M	174.63M	141.96M	125.91M	112.38M	95.63M	54.77M	44.39M	40.20M	32.40M	30.90M	20.40M	18.00M	17.50M	13.20M	9.80M	0.00	0.00	0.00	0.00	0.00	0.00
Cost of Revenue	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	787.47M	884.97M	778.89M	727.79M	629.09M	538.72M	446.57M	419.51M	386.88M	360.66M	320.98M	288.01M	313.81M	322.31M	331.80M	273.65M	248.29M	210.13M	174.63M	141.96M	125.91M	112.38M	95.63M	54.77M	44.39M	40.20M	32.40M	30.90M	20.40M	18.00M	17.50M	13.20M	9.80M	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit Ratio	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	343.99M	332.21M	270.64M	253.05M	222.75M	195.06M	160.51M	151.70M	134.41M	118.57M	104.22M	101.46M	97.01M	99.91M	84.97M	82.03M	79.07M	65.42M	51.39M	39.96M	36.17M	30.45M	27.94M	16.21M	12.64M	10.90M	9.20M	8.60M	5.20M	4.50M	4.20M	3.30M	2.50M	0.00	0.00	0.00	0.00	0.00	0.00
Selling & Marketing	15.43M	14.32M	11.95M	10.20M	10.62M	9.57M	8.41M	8.43M	8.66M	7.91M	6.91M	6.41M	6.47M	6.83M	6.48M	6.99M	6.31M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
SG&A	407.44M	346.53M	282.59M	263.25M	233.37M	204.62M	168.91M	160.13M	143.07M	126.48M	111.13M	107.87M	103.48M	106.74M	91.44M	89.02M	85.38M	65.42M	51.39M	39.96M	36.17M	30.45M	27.94M	16.21M	12.64M	10.90M	9.20M	8.60M	5.20M	4.50M	4.20M	3.30M	2.50M	0.00	0.00	0.00	0.00	0.00	0.00
Other Expenses	0.00	-143.51M	-740.49M	-707.82M	-594.83M	-493.80M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-327.71M	-173.03M	-108.68M	-88.12M	-88.36M	-76.39M	-67.45M	-46.48M	-24.31M	-12.05M	-12.63M	-11.90M	-7.20M	-8.40M	-3.10M	-4.60M	-4.10M	-800.00K	1.80M	1.30M	2.40M	1.90M	1.80M	1.70M	0.00
Operating Expenses	407.44M	14.32M	-457.90M	-444.58M	-361.46M	-284.77M	8.41M	8.43M	8.66M	7.91M	6.91M	6.41M	6.47M	6.83M	-236.27M	-84.02M	-23.31M	-22.70M	-36.97M	-36.44M	-31.28M	-16.04M	3.64M	4.17M	9.00K	-1.00M	2.00M	200.00K	2.10M	-100.00K	100.00K	2.50M	4.30M	1.30M	2.40M	1.90M	1.80M	1.70M	0.00
Cost & Expenses	407.44M	14.32M	-457.90M	-444.58M	-361.46M	-284.77M	20.39M	21.42M	18.72M	17.50M	6.91M	6.41M	6.47M	6.83M	-236.27M	-84.02M	-23.31M	-22.70M	-36.97M	-36.44M	-31.28M	-16.04M	3.64M	4.17M	9.00K	-1.00M	2.00M	200.00K	2.10M	-100.00K	100.00K	2.50M	4.30M	1.30M	2.40M	1.90M	1.80M	1.70M	0.00
Interest Income	1.02B	829.64M	681.07M	627.06M	546.18M	469.00M	375.02M	344.15M	319.68M	299.92M	263.58M	253.76M	280.11M	288.40M	302.49M	302.99M	304.76M	253.33M	189.99M	147.29M	130.83M	133.99M	137.92M	78.84M	58.92M	51.10M	44.00M	41.20M	28.80M	23.10M	21.70M	19.20M	17.20M	0.00	0.00	0.00	0.00	0.00	0.00
Interest Expense	325.97M	41.26M	18.56M	27.32M	42.77M	35.53M	29.86M	29.63M	29.28M	26.97M	28.76M	35.71M	44.49M	53.63M	57.17M	90.37M	121.29M	95.04M	59.98M	39.89M	38.48M	47.52M	65.55M	37.36M	25.59M	22.20M	19.90M	18.60M	13.20M	9.50M	9.20M	9.10M	9.40M	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation & Amortization	37.14M	36.49M	32.04M	30.79M	27.08M	6.27M	2.49M	2.97M	2.96M	2.81M	2.40M	2.11M	2.47M	3.18M	3.12M	14.27M	14.45M	13.62M	15.67M	16.90M	19.89M	11.26M	10.13M	3.02M	2.05M	1.10M	1.00M	900.00K	900.00K	900.00K	800.00K	300.00K	200.00K	0.00	0.00	0.00	0.00	0.00	0.00
EBITDA	304.75M	406.77M	381.48M	358.83M	286.27M	244.50M	198.25M	179.06M	167.46M	163.58M	138.55M	-28.39M	30.11M	63.66M	51.93M	112.12M	115.40M	101.16M	84.50M	106.69M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1.30M	2.40M	1.90M	1.80M	1.70M	1.70M
EBITDA Ratio	38.70%	50.63%	46.18%	46.50%	42.55%	51.98%	49.87%	49.47%	50.55%	52.46%	51.03%	46.21%	23.77%	36.39%	32.86%	74.51%	96.43%	95.68%	87.80%	86.24%	90.95%	95.75%	114.39%	113.12%	104.63%	100.25%	109.26%	103.56%	114.71%	104.44%	105.14%	121.21%	145.92%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Income	380.04M	437.37M	349.44M	328.04M	259.19M	257.74M	210.87M	190.42M	179.40M	175.63M	154.42M	130.31M	61.68M	103.31M	95.53M	189.63M	224.98M	187.43M	137.66M	105.52M	94.64M	96.35M	99.26M	58.94M	44.40M	39.20M	34.40M	31.10M	22.50M	17.90M	17.60M	15.70M	14.10M	1.30M	2.40M	1.90M	1.80M	1.70M	1.70M
Operating Income Ratio	48.26%	49.42%	44.86%	45.07%	41.20%	47.84%	46.10%	45.14%	46.10%	48.35%	47.10%	42.10%	19.66%	32.05%	28.79%	69.30%	90.61%	89.20%	78.83%	74.33%	75.16%	85.73%	103.80%	107.61%	100.02%	97.51%	106.17%	100.65%	110.29%	99.44%	100.57%	118.94%	143.88%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Total Other Income/Expenses	-112.43M	-6.91M	-8.88M	-7.81M	-80.19M	-6.62M	-2.13M	-456.00K	-2.31M	-552.00K	0.00	-12.73M	-12.92M	-13.99M	0.00	0.00	0.00	0.00	0.00	0.00	-38.48M	-47.52M	-65.55M	-37.36M	-25.59M	-22.20M	-19.90M	-18.60M	-13.20M	-9.50M	-9.20M	-9.10M	-9.40M	0.00	0.00	0.00	0.00	0.00	0.00
Income Before Tax	267.61M	370.28M	349.44M	328.04M	259.19M	222.21M	181.00M	160.79M	150.13M	148.66M	125.66M	94.59M	17.19M	49.67M	38.37M	99.26M	103.69M	92.39M	77.68M	65.63M	56.16M	48.83M	33.72M	21.58M	18.81M	17.00M	14.50M	12.50M	9.30M	8.40M	8.40M	6.60M	4.70M	0.00	0.00	0.00	0.00	0.00	0.00
Income Before Tax Ratio	33.98%	41.84%	44.86%	45.07%	41.20%	41.25%	39.57%	38.12%	38.58%	40.93%	38.33%	30.56%	5.48%	15.41%	11.56%	36.27%	41.76%	43.97%	44.48%	46.23%	44.60%	43.45%	35.26%	39.40%	42.37%	42.29%	44.75%	40.45%	45.59%	46.67%	48.00%	50.00%	47.96%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Income Tax Expense	44.68M	67.08M	64.68M	61.64M	48.65M	40.33M	64.63M	39.66M	34.00M	35.91M	30.02M	19.08M	-281.00K	7.34M	3.99M	33.60M	35.09M	31.26M	25.31M	21.01M	18.15M	16.42M	12.03M	7.58M	6.63M	6.30M	5.30M	5.10M	3.60M	3.30M	3.30M	2.50M	1.80M	-1.30M	-2.40M	-1.90M	-1.80M	-1.70M	-1.70M
Net Income	222.93M	303.20M	284.76M	266.40M	210.54M	181.88M	116.38M	121.13M	116.13M	112.76M	95.64M	75.52M	17.47M	42.33M	34.37M	65.66M	68.60M	61.13M	52.37M	44.62M	38.01M	32.40M	21.69M	14.00M	12.18M	10.70M	9.20M	7.40M	5.70M	5.10M	5.10M	4.10M	2.90M	1.30M	2.40M	1.90M	1.80M	1.70M	1.70M
Net Income Ratio	28.31%	34.26%	36.56%	36.60%	33.47%	33.76%	25.44%	28.71%	29.84%	31.04%	29.17%	24.40%	5.57%	13.13%	10.36%	23.99%	27.63%	29.09%	29.99%	31.43%	30.19%	28.83%	22.68%	25.57%	27.43%	26.62%	28.40%	23.95%	27.94%	28.33%	29.14%	31.06%	29.59%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
EPS	2.01	2.74	2.87	2.81	2.39	2.18	1.75	1.59	1.54	1.51	1.31	1.05	0.24	0.61	0.56	1.20	1.29	1.23	1.12	0.97	0.84	0.73	0.54	0.47	0.42	0.40	0.40	0.33	0.34	0.27	0.27	0.25	0.18	0.08	0.15	0.12	0.11	0.11	0.11
EPS Diluted	2.01	2.74	2.86	2.81	2.38	2.17	1.75	1.59	1.54	1.51	1.31	1.05	0.24	0.61	0.56	1.19	1.28	1.21	1.09	0.96	0.83	0.72	0.52	0.47	0.42	0.39	0.39	0.33	0.34	0.27	0.27	0.25	0.18	0.08	0.15	0.12	0.11	0.11	0.11
Weighted Avg Shares Out	110.86M	110.76M	99.31M	94.88M	88.26M	83.60M	77.54M	76.28M	75.54M	74.64M	73.19M	71.93M	71.92M	69.66M	61.53M	54.85M	53.18M	49.70M	46.76M	46.00M	45.22M	44.15M	40.52M	29.59M	29.49M	28.75M	25.61M	24.86M	17.46M	18.78M	18.78M	16.61M	16.45M	16.22M	15.93M	16.02M	16.04M	15.15M	15.15M
Weighted Avg Shares Out (Dil)	110.89M	110.83M	99.40M	94.93M	88.39M	83.68M	77.61M	76.34M	75.60M	74.69M	73.26M	71.93M	71.92M	69.66M	61.53M	55.00M	53.60M	50.52M	48.05M	46.48M	45.92M	44.94M	41.73M	29.84M	29.76M	29.33M	26.12M	24.86M	17.46M	18.78M	19.02M	16.61M	16.45M	16.22M	15.93M	16.02M	16.04M	15.15M	15.15M

Glacier Bancorp, Inc. Announces Third Quarter Earnings Release and Conference Call

September 26, 2022globenewswire.com

KALISPELL, Mont., Sept. 26, 2022 (GLOBE NEWSWIRE) -- Glacier Bancorp, Inc. (NYSE: GBCI) will report third quarter financial results after the market closes on October 20, 2022. A conference call for investors is scheduled for 11:00 a.m. Eastern Time on...

Glacier Bancorp: Great Execution But I Won't Pay 3X TBV

July 27, 2022seekingalpha.com

Glacier Bancorp is a well-run bank with a specific focus on Montana and the surrounding states. The bank has a history of protecting credit quality and rarely reports loan losses.

Glacier Bancorp, Inc. (GBCI) CEO Randall Chesler on Q2 2022 Results - Earnings Call Transcript

July 22, 2022seekingalpha.com

Glacier Bancorp, Inc. (NYSE:GBCI ) Q2 2022 Earnings Conference Call July 22, 2022 11:00 AM ET Company Participants Randall Chesler - President and Chief Executive Officer Ron Copher - Chief Financial Officer Tom Dolan - Chief Credit Administrator Byron Pollan...

Glacier Bancorp (GBCI) Q2 Earnings Meet Estimates

July 21, 2022zacks.com

Glacier Bancorp (GBCI) delivered earnings and revenue surprises of 0% and 1.83%, respectively, for the quarter ended June 2022. Do the numbers hold clues to what lies ahead for the stock?

Glacier Bancorp, Inc. Announces Second Quarter Earnings Release and Conference Call

July 8, 2022globenewswire.com

KALISPELL, Mont., July 08, 2022 (GLOBE NEWSWIRE) -- Glacier Bancorp, Inc. (NYSE: GBCI) will report second quarter financial results after the market closes on July 21, 2022. A conference call for investors is scheduled for 11:00 a.m. Eastern Time on...

Glacier Bancorp, Inc. (GBCI) CEO Randall Chesler on Q1 2022 Results - Earnings Call Transcript

April 22, 2022seekingalpha.com

Glacier Bancorp, Inc. (NYSE:GBCI ) Q1 2022 Earnings Conference Call April 22, 2022 11:00 AM ET Corporate Participants Randall Chesler - President and Chief Executive Officer Ron Copher - Chief Financial Officer Tom Dolan - Chief Credit Administrator Byron Pollan...