企業概要
Glacier Bancorp, Inc. operates as the holding company for Glacier Bank, delivering commercial banking services to individuals, small and medium-sized enterprises, community organizations, and public entities throughout the United States. The firm functions within the Financial Services sector, specifically categorized under the Regional Banks industry, which typically serves localized markets with tailored financial solutions rather than operating on an institutional scale. The company's total market capitalization stands at $6.27B, while its trailing twelve-month revenue generated $952.72M, supported by a workforce of 3,927 employees. These valuation and revenue figures indicate that the entity maintains a substantial asset base and operational footprint, positioning it as a significant regional player capable of managing billions in deposits and loans. The scale of operations, evidenced by nearly $1 billion in annual revenue and a market cap exceeding six billion dollars, suggests a mature business model that generates consistent fee and interest income from its diversified customer base.
財務健全性
Glacier Bancorp, Inc. reported total revenue of $952.72M and net income of $239.03M over the trailing twelve months, whereas EBITDA data is not available for this specific reporting period. The substantial difference between total revenue of $952.72M and net income of $239.03M highlights a significant cost structure inherent to banking operations, where the majority of revenue is consumed by the cost of funds, personnel, and regulatory compliance costs before reaching the bottom line. Free cash flow figures are not disclosed in the available data, meaning the specific liquidity generated from operations after capital expenditures cannot be quantified directly from the provided metrics. The gross margin is listed as 0.0%, which is standard for financial institutions as interest income and interest expense largely offset each other before operating expenses are deducted. The operating margin stands at 34.8%, indicating that for every dollar of revenue, the company retains approximately 35 cents after covering direct operating expenses, while the profit margin of 25.1% reflects the final net earnings relative to total sales. Total cash holdings amount to $1.24B against total debt of $2.84B, and the debt-to-equity ratio is not available for calculation in the current dataset. The absence of a disclosed debt-to-equity ratio limits the ability to directly assess leverage intensity, but the presence of $2.84B in debt against $1.24B in cash suggests a balance sheet that is leveraged to fund lending activities typical of the banking sector. The current ratio is not provided in the facts, so an assessment of short-term liquidity based on current assets versus current liabilities cannot be made from the available information. Return on Equity is 6.4% and Return on Assets is 0.8%, revealing that the company generates modest returns on its total asset base while leveraging equity to amplify shareholder returns.
バリュエーション評価
The trailing twelve-month P/E ratio is 24.23, while the forward P/E is projected at 13.22, implying that the market expects earnings to grow significantly in the future to justify the lower forward multiple. The price-to-book ratio stands at 1.49, indicating that the stock trades at a premium of 49% over its book value, which suggests investors are willing to pay more for the company's equity than the net asset value would imply on a liquidation basis. The price-to-sales ratio is 6.58, and since EV/EBITDA is not available, the valuation relies heavily on revenue multiples and earnings expectations to assess relative value. The 52-week high is $53.99 and the 52-week low is $36.76, providing a range within which the stock has traded over the past year. Without the current share price explicitly stated in the facts, the exact percentage distance from the 52-week high or low cannot be calculated, but the wide range between $36.76 and $53.99 indicates significant price volatility over the trailing twelve months. The beta value is 0.73, which means the stock is less volatile than the broader market, moving approximately 27% less than the market index on average during periods of fluctuation.
Growth & Income
Revenue growth year-over-year is 24.5%, while earnings growth year-over-year is -11.2%, indicating that earnings are currently declining faster than revenue, which may suggest margin compression or one-time charges impacting profitability. The company pays a dividend with a yield of 2.7% and a payout ratio of 82.9%, meaning that the majority of its net income is distributed to shareholders rather than retained for reinvestment. A payout ratio of 82.9% is relatively high for a bank experiencing negative earnings growth, which could pressure future dividend sustainability if earnings do not improve in subsequent reporting periods. Overall, the company presents a profile of strong top-line expansion contrasted with declining profitability, supported by a consistent dividend policy that prioritizes shareholder returns despite the recent contraction in net income.