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Glacier Bancorp, Inc. (GBCI) Stock Analysis

Range Bound setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $49.10, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: real estate secured loans; Analyst target reached - limited upside remaining.

Glacier Bancorp is a Montana-headquartered bank holding company with 281 locations across nine states (MT, ID, UT, WA, WY, CO, AZ, NV, TX) operating through 18 community bank divisions under Glacier Bank. It provides retail and commercial banking, real estate lending, mortgage... Read more

$49.10+7.6% A.UpsideScore 6.2/10#37 of 142 Banks - Regional
Entry $45.67(200-day MA)Stop $43.50Target $49.16(analyst − 13%)A.R:R 0.0:1Setup A.R:R 1.6:1
Analyst target$56.50+15.1%6 analysts
$49.16our TP
$49.10price
$56.50mean
$60

Hold if already holding. Not a fresh buy at $49.10, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: real estate secured loans; Analyst target reached - limited upside remaining. Chart setup: RSI 53 mid-range, Bollinger mid-band. Downgraded from BUY WAIT — price $49.06 has reached target $49.16. No upside to wait for. Score 6.2/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news boost analyst 0.70, news boost analyst cluster(3), earnings proximity 83d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

Val7.0Qual5.1Grw9.1Mom5.6Sent7.3Ins5.0Peer4.1Tech4.5Risk6.06.2OVERALL

Thesis

Rewards
Positive news sentiment (+0.78)
Attractive valuation
Strong growth profile
Risks
Concentration risk — Loan Portfolio: real estate secured loans
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)22.9
P/E (Fwd)13.5
Mkt Cap$6.4B
EV/EBITDA—
Profit Mgn25.7%
ROE7.1%
Rev Growth41.4%
Beta0.73
Dividend2.69%
Rating analysts12

Quality Signals

Piotroski F7/9

Options Flow

P/C0.14bullish
IV55%elevated
Max Pain$35-28.7% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHloan_portfolioreal estate secured loans
    10-K Item 1A: 'The Bank has a high concentration of loans secured by real estate'
  • MEDIUMGeographicMontana27%
    10-K Item 1: 'Montana| 70 | | | 20 | | | 26.9 | %'

Material Events(8-K, last 90d)

  • 2026-02-09Item 5.02HIGH
    CFO Ron J. Copher announced plans to retire following 20 years of service; no successor named. Company conducting external search for replacement.
    SEC filing →

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

Rating Breakdown

1 ceiling hit

GatesA.R:R 0.0 < 1.5@spotMomentum 5.6>=5.5Insider activity: OKNo SEC red flagsNEWS BOOST ANALYST 0.70NEWS BOOST ANALYST CLUSTER(3)EARNINGS PROXIMITY 83d clearSEMI CYCLE PEAK CLEARRange BoundSuitability: Moderate
RSI
53 · Neutral
↑ 20D MA↑ 50D MA↑ 200D MAGOLDEN CROSSSupport $44.85Resistance $50.06

Price Targets

$44
$46
$49
A.Upside+0.1%
A.R:R0.0:1
Setup A.R:R (at entry)1.6:1

Position Sizing

ConvictionMedium conviction
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (0.2% upside)
! NEWS_MOD=+1: HOLD_IF_HOLDING → STRONG_BUY_WAIT
! Reward/Risk 0.0:1 at current price — below 1.5:1 minimum

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-23 (83d)

Verdict History

reverse chrono — latest first
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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 $49.10, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: real estate secured loans; Analyst target reached - limited upside remaining. Chart setup: RSI 53 mid-range, Bollinger mid-band. Downgraded from BUY WAIT — price $49.06 has reached target $49.16. No upside to wait for. Target $49.16 (+0.1%), stop $43.50 (−12.9%), A.R:R 0.0:1. Score 6.2/10, moderate confidence.

What is the GBCI stock price target?

Take-profit target: $49.16 (+7.6% upside). Target $49.16 (+0.1%), stop $43.50 (−12.9%), A.R:R 0.0:1. Stop-loss: $43.50.

What are the risks of investing in GBCI?

Concentration risk — Loan Portfolio: real estate secured loans; Analyst target reached - limited upside remaining.

Is GBCI overvalued or undervalued?

Glacier Bancorp, Inc. trades at a P/E of 22.9 (forward 13.5). TrendMatrix value score: 7.0/10. 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-headquartered bank holding company with 281 locations across nine states (MT, ID, UT, WA,...

Glacier Bancorp is a Montana-headquartered bank holding company with 281 locations across nine states (MT, ID, UT, WA, WY, CO, AZ, NV, TX) operating through 18 community bank divisions under Glacier Bank. It provides retail and commercial banking, real estate lending, mortgage origination, and loan servicing; Montana represents its largest deposit share at 26.9% of in-market FDIC deposits.

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