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GBCIGlacier Bancorp, Inc.Hold6.1·$47.89+0.21%
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Glacier Bancorp, Inc. (GBCI) Stock Analysis

Breakout setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $47.89, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: loans secured by real estate; Analyst target reached - limited upside remaining.

Glacier Bancorp is a Montana-based bank holding company operating Glacier Bank with 281 locations across Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, Nevada, and Texas. It serves individuals and small-to-medium businesses with retail and commercial banking;... Read more

$47.89+2.7% A.UpsideScore 6.1/10#48 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield2.76%(5y avg 2.98%)Payout77.10%
Stop $45.93Target $49.16(analyst − 13%)A.R:R 0.5:1
Analyst target$56.50+18.0%6 analysts
$49.16our TP
$47.89price
$56.50mean
$60

Hold if already holding. Not a fresh buy at $47.89, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: loans secured by real estate; Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 50, MACD bullish. Maintain position. Not compelling to add more. Score 6.1/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 43d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Thu, Jul 23, 202643d to earnings· next earnings call

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Attractive valuation
Strong growth profile
Risks
Concentration risk — Loan Portfolio: loans secured by real estate
Analyst target reached - limited upside remaining
V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3)

Key Metrics

P/E (TTM)22.3
P/E (Fwd)13.1
Mkt Cap$6.2B
EV/EBITDA
Profit Mgn25.7%
ROE7.1%
Rev Growth39.7%
Beta0.74
Dividend2.76%
Rating analysts12

Quality Signals

Piotroski F8/9

Options Flow

P/C0.10bullish
IV62%elevated

Concentration Risks(10-K Item 1A)

  • HIGHloan_portfolioloans secured by real estate
    10-K Item 1A: 'The Bank has a high concentration of loans secured by real estate, so a deterioration in the real estate markets could require material increases in the ACL and adversely affect our business'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 ceiling hit

GatesA.R:R 0.5 < 1.5@spotMomentum 5.3<5.5 (soft — BUY_NOW allowed but watch)Momentum 5.3>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 43d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Moderate
RSI
50 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $45.44Resistance $48.86

Price Targets

$46
$49
A.Upside+2.7%
A.R:R0.5:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (2.6% upside)
! asymmetry at 0.5 (below the engine's 1.5 threshold)@spot

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-23 (43d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is GBCI stock a buy right now?

Hold if already holding. Not a fresh buy at $47.89, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: loans secured by real estate; Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 50, MACD bullish. Maintain position. Not compelling to add more. Target $49.16 (+2.7%), stop $45.93 (−4.3%), A.R:R 0.5:1. Score 6.1/10, moderate confidence.

What is the GBCI stock price target?

Take-profit target: $49.16 (+2.7% upside). Target $49.16 (+2.7%), stop $45.93 (−4.3%), A.R:R 0.5:1. Stop-loss: $45.93.

What are the risks of investing in GBCI?

Concentration risk — Loan Portfolio: loans secured by real estate; Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3).

Is GBCI overvalued or undervalued?

Glacier Bancorp, Inc. trades at a P/E of 22.3 (forward 13.1). TrendMatrix value score: 7.1/10. Verdict: Hold.

What do analysts say about GBCI?

12 analysts cover GBCI with a consensus score of 4.1/5. Average price target: $57.

What does Glacier Bancorp, Inc. do?Glacier Bancorp is a Montana-based bank holding company operating Glacier Bank with 281 locations across Montana,...

Glacier Bancorp is a Montana-based bank holding company operating Glacier Bank with 281 locations across Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, Nevada, and Texas. It serves individuals and small-to-medium businesses with retail and commercial banking; recent acquisitions include Guaranty Bancshares ($3.4B assets, Oct 2025) and Bank of Idaho ($1.4B assets, Apr 2025).

Related stocks: CUBI (Customers Bancorp, Inc) · GABC (German American Bancorp, Inc.) · IFS (Intercorp Financial Services In) · SSB (SouthState Bank Corporation) · BFC (Bank First Corporation)
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