GBCI
Glacier Bancorp, Inc.44.34
-0.14-0.32%
Dec 16, 4:00:03 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Granular 2026 guides; Guaranty ramps fast
Q&A filled in 2026 blanks: low-to-mid single-digit loan growth amid record pipeline and immediate Guaranty contributions, despite Q4 seasonal ag paydowns; NIM on track for 4% in H2 via $2B+ repricing (75-100bps gain), securities cash flows, and FHLB payoff mid-March—no Fed reliance. Core expenses guide at $750-766M, Q1 $189-193M then moderating to mid-50s efficiency. Guaranty integration seamless, keeping local brand while deploying tools in DFW, Houston. Guaranty's bankers hit the ground running. M&A talks active but disciplined post-conversion. Positive tone; watch pipeline durability, Texas ramp.
Key Stats
Market Cap
5.76BP/E (TTM)
21.63Basic EPS (TTM)
2.05Dividend Yield
0.03%Recent Filings
10-K
FY2025 results
Glacier Bancorp crushed FY2025 with net income jumping 26% to $239M, fueled by 21% loan growth to $20.9B and 20% deposits to $24.6B, thanks to Guaranty ($3.4B assets, Oct) and BOID ($1.4B assets, Apr) deals that added Texas and Idaho firepower. Q4 roared with $32M credit provision yet margins hit 3.32% (up 55bps y/y) on higher loan yields (5.93%) and cheaper funding (1.60%), while nonperformers ticked to 0.22%—still pristine. Acquisitions drove the surge, but organic loans grew 3% and deposits 1%. Steady $1.32/share dividend. CRE stress looms if rates stay hot.
8-K
Q4 financials shine
Glacier Bancorp released its February 2026 investor presentation under Reg FD, spotlighting a $32.0B balance sheet with $20.9B loans and $24.6B deposits as of December 31, 2025. NII surged 39% to $266M in 4Q25, NIM to 3.58%, yet efficiency held at 61.0%. Assets grew resiliently. Liquidity tops $15.6B.
8-K
CFO Copher retiring after 20 years
Glacier Bancorp announced on February 9, 2026, that CFO Ron Copher plans to retire after 20 years, staying on until a successor is appointed and advising thereafter. The company engaged Korn Ferry for a search covering internal and external candidates. Smooth handover ahead. CEO Chesler praised Copher's steady leadership through organic growth and acquisitions.
8-K
2025 results and acquisitions
Glacier Bancorp released its December 31, 2025 investor presentation under Regulation FD, highlighting $32B total assets, $24.59B gross loans, and $24.59B deposits after closing the Bank of Idaho acquisition on April 30, 2025, for $245.4M in stock, and announcing the Guaranty Bancshares deal set for October 1, 2025, valued at $476.2M in stock. Assets swelled $4B via acquisitions while organic deposits grew $259M; NIM hit 3.32%, up 55bps. EPS climbed 18% to $1.99. Acquisitions fuel market share.
8-K
Q4 earnings amid acquisitions
Glacier Bancorp reported Q4 net income of $63.8 million, down 6% from prior quarter amid $36 million acquisition expenses and $27.2 million Guaranty credit loss provisions, yet up 3% year-over-year with net interest income surging 39% to $266 million on 3.58% NIM. Acquisitions of Guaranty ($3.357B assets, Texas entry) on Oct 1 and BOID ($1.364B) drove assets to $31.978B, loans to $20.928B, deposits to $24.591B. Acquisitions fueled growth.
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