Glacier Bancorp, Inc. Financial Ratios — GLC Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	2.07	8.62	10.26	11.32	11.04	11.04	10.05	13.4	12.11	12.48	10.38	10.07	7.6	6.09	6.43
Return on Assets (%)	0.25	1.01	1.22	1.39	1.34	1.31	1.21	1.67	1.63	1.66	1.28	1.15	0.82	0.68	0.8
Return on Capital (%)	- -	3.69	4.82	6.64	7.59	7.81	7.3	9.59	9.85	11.46	9.76	7.39	4.12	3.38	4.66
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	5.48	31.48	39.49	42.03	39.6	39.32	40.64	40.87	42.45	43.01	44	41.51	33.9	27.94	28.9
Profit Margin (%)	5.57	25.13	30.06	31.88	30.63	29.62	26.13	33.45	34.48	34.93	35.86	33.99	28.24	23.47	23.8
Net Income to Common Margin (%)	5.57	25.13	30.06	31.88	30.63	29.62	26.13	33.45	34.48	34.93	35.86	33.99	28.24	23.47	23.8
Effective Tax Rate (%)	- -	20.17	23.89	24.15	22.65	24.67	35.7	18.15	18.77	18.79	18.51	18.12	16.7	15.98	17.65
Dvd Payout Ratio (%)	214.04	62.86	46.25	45.18	68.42	69.38	96	47.01	59.12	49.27	51.12	51.96	65.8	78.91	68.08
Sustainable Growth Rate (%)	-2.36	3.2	5.52	6.21	3.48	3.38	0.4	7.1	4.95	6.33	5.08	4.84	2.6	1.28	2.05

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	1,214	1,132	974	430	527	382	488	589	207	173	177	2,010	2,955	2,056	761
ST Debt	10	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11
LT Debt	1,204	1,132	974	430	527	382	488	589	207	173	177	2,010	2,955	2,056	750
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.83	11.63	12.22	12.38	11.85	11.82	12.35	12.51	14.33	12.47	12.25	10.67	10.89	11.55	13.18
Long-Term Debt/Equity (%)	141.65	125.7	101.13	41.82	48.91	34.22	40.73	38.85	10.57	7.5	5.56	70.7	97.83	63.79	17.8
Long-Term Debt/Capital (%)	58.33	55.69	50.28	29.49	32.84	25.49	28.94	27.98	9.56	6.98	5.27	41.42	49.45	38.94	15.08
Long-Term Debt/Total Assets (%)	16.75	14.62	12.36	5.18	5.79	4.04	5.03	4.86	1.52	0.94	0.68	7.55	10.65	7.37	2.35
Total Debt/Equity (%)	142.82	125.7	101.13	41.82	48.91	34.22	40.73	38.85	10.57	7.5	5.56	70.7	97.83	63.79	18.05
Total Debt/Capital (%)	58.82	55.69	50.28	29.49	32.84	25.49	28.94	27.98	9.56	6.98	5.27	41.42	49.45	38.94	15.29
Total Debt/Total Assets (%)	16.89	14.62	12.36	5.18	5.79	4.04	5.03	4.86	1.52	0.94	0.68	7.55	10.65	7.37	2.38
Net Debt to Equity	127.76	104.94	86.06	-1.11	31.52	20.56	24.05	25.41	-6.3	-19.94	-8.21	56.56	52.99	35.57	-13.2
Net Debt/Capital (%)	56.09	51.2	46.25	-1.12	23.97	17.05	19.39	20.26	-6.73	-24.91	-8.95	36.13	34.63	25.88	-14.88
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.83	11.63	12.22	12.38	11.85	11.82	12.35	12.51	14.33	12.47	12.25	10.67	10.89	11.55	13.18
Long-Term Debt/Equity (%)	141.65	125.7	101.13	41.82	48.91	34.22	40.73	38.85	10.57	7.5	5.56	70.7	97.83	63.79	17.8
Long-Term Debt/Capital (%)	58.33	55.69	50.28	29.49	32.84	25.49	28.94	27.98	9.56	6.98	5.27	41.42	49.45	38.94	15.08
Long-Term Debt/Total Assets (%)	16.75	14.62	12.36	5.18	5.79	4.04	5.03	4.86	1.52	0.94	0.68	7.55	10.65	7.37	2.35
Total Debt/Equity (%)	142.82	125.7	101.13	41.82	48.91	34.22	40.73	38.85	10.57	7.5	5.56	70.7	97.83	63.79	18.05
Total Debt/Capital (%)	58.82	55.69	50.28	29.49	32.84	25.49	28.94	27.98	9.56	6.98	5.27	41.42	49.45	38.94	15.29
Total Debt/Total Assets (%)	16.89	14.62	12.36	5.18	5.79	4.04	5.03	4.86	1.52	0.94	0.68	7.55	10.65	7.37	2.38
CFO/Total Liabilities	2.95	2.68	4.83	2.51	2.21	2.32	2.99	2.65	1.93	1.17	2.51	1.98	2.03	1.05	1.35
CFO/CapEx	10.68	- -	- -	- -	- -	- -	25.15	15.06	13.82	16.18	60.62	13.94	10.11	5.34	13.95
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	9.63	8.26	7.99	8.58	8.91	9.05	9.87	11	11.06	11.6	10.44	11.14	8.87	8.36	9.16
Days Sales Outstanding	37.92	44.18	45.69	42.56	40.97	40.33	37	33.19	33.02	31.47	34.97	32.77	41.16	43.66	39.85
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	128	187	145	441	187	153	200	204	331	633	438	402	1,354	848	1,235
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	1,214	1,132	974	430	527	382	488	589	207	173	177	2,010	2,955	2,056	761
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	2,065	2,033	1,937	1,458	1,603	1,499	1,687	2,105	2,168	2,480	3,354	4,853	5,975	5,280	4,974
Total Debt/Capital (%)	58.82	55.69	50.28	29.49	32.84	25.49	28.94	27.98	9.56	6.98	5.27	41.42	49.45	38.94	15.29
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	314	300	318	354	379	409	445	544	611	763	794	892	789	810	1,004
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	184	334	183	177	193	255	281	227	190	572	471	501	258	374
TTM Free Cash Flow to Firm	- -	184	334	183	177	193	245	262	210	178	563	437	451	210	348

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	72	72	74	75	76	77	78	85	92	95	111	111	111	113	130
Diluted Weighted Avg Shares	72	72	73	75	76	76	78	84	88	95	99	111	111	113	120
Basic Weighted Avg Shares	72	72	73	75	76	76	78	84	88	95	99	111	111	113	120
Revenue per Share	4.36	4.18	4.35	4.74	5.02	5.36	5.74	6.5	6.92	8.04	8	8.05	7.12	7.16	8.39
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.24	1.05	1.31	1.51	1.54	1.59	1.5	2.18	2.39	2.81	2.87	2.74	2.01	1.68	2
Basic EPS from Cont Ops	0.24	1.05	1.31	1.51	1.54	1.59	1.5	2.18	2.39	2.81	2.87	2.74	2.01	1.68	2
Diluted EPS, GAAP	0.24	1.05	1.31	1.51	1.54	1.59	1.5	2.17	2.38	2.81	2.86	2.74	2.01	1.68	1.99
Diluted EPS from Cont Ops	0.24	1.05	1.31	1.51	1.54	1.59	1.5	2.17	2.38	2.81	2.86	2.74	2.01	1.68	1.99
Dividend per Share	0.52	0.66	0.6	0.68	1.05	1.1	1.44	1.02	1.41	1.38	1.47	1.42	1.32	1.33	1.36
Cash Flow per Share	2.6	2.56	4.56	2.45	2.34	2.53	3.29	3.36	2.57	2	5.76	4.25	4.52	2.28	3.13
Free Cash Flow per Basic Share	2.35	2.56	4.56	2.45	2.34	2.53	3.15	3.13	2.38	1.88	5.67	3.94	4.07	1.85	2.9
Cash & Equivalents per Share	45.26	53.8	45.28	37.7	36.77	33.69	25.36	32.84	31.49	62.57	86.81	51.54	55.37	44.92	40.29
Book Value per Share	11.82	12.52	12.95	13.7	14.15	14.59	15.37	17.93	21.25	24.18	28.71	25.67	27.24	28.43	32.42
Tangible Book Value per Share	10.23	10.96	11.08	11.83	12.11	12.51	12.91	13.93	15.61	18.21	19.33	16.4	18.06	18.71	21.01