GBCI · NYSE · STOCK
Glacier Bancorp (GBCI) Stock Analysis
$44.16
52W $39.90 – $54.58
60/100
$5.83B
18.1
0.72
Is GBCI Bullish or Bearish?
Bullish.
Innellis AI committee rates Glacier Bancorp (GBCI) Buy with a composite score of 60/100
, based on 5 analysts with 60% agreement.
Last updated September 22, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +15.00 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -5.00 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
Positive signals support the current rating — vix regime is low -- calm backdrop supports risk-taking. The committee sees sufficient evidence to maintain the constructive view.
Bull & Bear Case
Bull Case
- Price-to-book of 1.4x is a discount to asset value — Value
- Dividend yield of 4.0% pays you to wait — Value
- EPS growing 26.8% YoY — Growth
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- 5 consecutive earnings misses -- execution concerns — Growth
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- Price structure making lower highs and lower lows — Technical
- MACD histogram negative -- bearish momentum — Technical
- Price structure (HH_HL) contradicts the downtrend -- mixed signals — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 22, 2026
Overall Committee Score
60/100
Agreement
60%
Analysts
5
Conviction
Moderate
Sector Rank
Top 61%
of 211 Financial Services peers
Value Analyst
bullish
70
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ Price-to-book of 1.4x is a discount to asset value
Growth Analyst
neutral
51
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ EPS growing 26.8% YoY
− 5 consecutive earnings misses -- execution concerns
Technical Analyst
neutral
41
/ 100 · High confidence
Mixed or range-bound price action
− Price structure making lower highs and lower lows
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score strengthened from 55.5 to 60.0.
- Conviction changed from contested to moderate.
- Committee agreement increased sharply from 40% to 60%.
- New bearish signals: 1 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 3 signal(s) disappeared.
- Analyst(s) changed stance: Technical Analyst.
Analyst-level changes:
- Macro Analyst: score 65->80 (+15); +1 bullish signal(s).
- Portfolio Manager: score 45->55 (+10); +1 bearish signal(s).
- Technical Analyst: stance bearish->neutral; score 34->41 (+8).
Comparing 2026-09-21 to 2026-09-22 (1 day apart).
Technical Analysis
RSI (14)
30.0
Oversold
MACD Histogram
-0.033
Bearish Momentum
Trend Direction
Downtrend
Weekly: Sideways
Market Structure
Hh Hl
Support
$44.76
Resistance
$47.22
Bollinger %B
0.16
Inside Bands
Price vs Moving Averages
EMA 9
$45.28
Below
EMA 21
$46.17
Below
EMA 50
$47.51
Below
EMA 200
$47.62
Below
Fundamental Analysis
Valuation
96
Growth
43
Profitability
59
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
18.1×
P/B Ratio
1.35×
PEG Ratio
0.63
Dividend Yield
2.95%
52W High
$54.58
52W Low
$39.90
Quality & Growth
ROE
567.2%
ROA
74.8%
Gross Margin
7384.8%
Operating Margin
2474.3%
Revenue Growth YoY
—
Debt / Equity
0.51
AI Fundamental Assessment
P/E ratio of 18.1 (inexpensive relative to a 15-40x range); Price-to-book of 1.4x; PEG ratio of 0.6 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 5.7%; Return on assets of 0.7%; Net margin of 20.3%; Gross margin of 73.8%; Current ratio of 0.24 (tight short-term liquidity); Debt-to-equity of 0.51; Free cash flow per share is positive (3.05); Most recent quarter missed estimates by 3.2%; 5 consecutive earnings misses; EPS growth decelerating (+28.6% -> +19.0% QoQ); Average YoY EPS growth of 66.7%; Analyst estimates rising over recent quarters
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