GBCI
Glacier Bancorp, Inc.44.34
-0.14-0.32%
Dec 16, 4:00:03 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
FY Q3 '25
Q4 margin +18-20 bps; 2026 growth
Q&A provided fresh forward guidance, projecting Q4 net interest margin expansion of 18-20 basis points including Guaranty impacts, with continued growth through 2026 at a moderating pace toward a potential 4% long-term level. Core non-interest expense steps to $185-189 million in Q4, driven by full Guaranty quarter, while 20% modeled cost saves kick in post-2026 conversion. Guaranty hailed as best cultural fit in a decade, already drawing Texas seller conversations amid broad M&A optionality. Loan pipelines steady despite geographic pricing competition; ag pressures contained via security. Credit benign, no non-depository exposure. Confident outlook—investors eye integration execution and repricing tailwinds.
Key Stats
Market Cap
5.76BP/E (TTM)
21.63Basic EPS (TTM)
2.05Dividend Yield
0.03%Recent Filings
10-Q
Q3 FY2025 results
Glacier Bancorp posted Q3 net income of $67.9M, up 33% y/y from $51.1M and 29% q/q from $52.8M, with diluted EPS steady at $0.57 despite minor anti-dilution. Net interest income jumped 25% y/y to $225.4M on 12% higher interest income from loan growth to $18.8B (commercial up sharply) and 9% lower expense as FHLB advances fell to $895M; margin hit 3.39% (derived). BOID acquisition closed April 2025 for $205M (mostly stock per Note 14), adding $70.1M goodwill and $19.8M core deposit intangible (10-year life). Cash at $854M; operating cash flow YTD $251M. Non-GAAP metrics not disclosed in the 10-Q. CRE concentration risk looms large.
8-K
Glacier completes Texas bank acquisition
Glacier Bancorp closed its $476.2 million all-stock acquisition of Guaranty Bancshares on October 1, 2025, adding $3.1 billion in assets and 33 branches across high-growth Texas markets like Dallas, Houston, and Austin. This bolsters Glacier's Southwest footprint, targeting top deposit shares in dynamic economies with projected population growth of 3.9% through 2031. Pro forma assets hit $32.1 billion. Integration risks loom from regulatory and economic shifts.
8-K
Q3 earnings soar 29%
Glacier Bancorp reported Q3 net income of $67.9 million, up 29% from Q2's $52.8 million, driven by net interest income surging to $225 million—a 9% quarterly jump—thanks to higher loan yields at 5.97% and a net interest margin of 3.39%. The Guaranty Bancshares acquisition closed October 1, adding $3.111 billion in assets and marking entry into Texas, while the BOID integration wrapped up smoothly. Non-performing assets ticked up to 0.19% of assets, yet credit quality holds firm.
8-K
Glacier completes Texas bank acquisition
Glacier Bancorp completed its acquisition of Guaranty Bancshares and its subsidiary Guaranty Bank & Trust on October 1, 2025, integrating 33 Texas locations into a new division of Glacier Bank. As of June 30, 2025, Guaranty brought $3.1 billion in assets, $2.1 billion in loans, and $2.7 billion in deposits, expanding Glacier's footprint across East Texas, Dallas/Fort Worth, Houston, Bryan/College Station, and Austin markets. Integration challenges loom large. Forward-looking benefits hinge on swift business blending.
8-K
Merger proxy gets supplemental disclosures
Glacier Bancorp issued supplemental disclosures to its merger proxy with Guaranty Bancshares, addressing shareholder demands alleging omissions without admitting fault. These updates detail prior bids, like Company A's $525 million cash offer, and refine the deal's 1.0000x exchange ratio for a $537 million value. The merger promises 7.4% EPS accretion to Glacier in 2026, yet integration risks loom large. Shareholder vote awaits on September 17.
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