GBCIGLACIER BANCORP, INC.
State Commercial Banks
- Revenue
- $101M
- 7.5% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- $6.3B
- Employees
- —
- Net debt / EBITDA
- —
- AI in 10-K
- 2.1
- mentions per 10K words
Takeover score 0 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo157% of net incomeCash flow under 80% of net income
- Dilutive SBCNo6% of revenueOver 10% of revenue
- Payouts exceed cash flowNo43% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo4% of assetsOver 40% of assets
- Shareholder dissentNo96% lowest supportAny vote under 80% support
Buyer economics 0 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AINo2.1 per 10K words · 56th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedNo$6.3B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo$454K netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $65M | $83M | $89M | $94M | $101M | 7.5% |
| Net income | $285M | $303M | $223M | $190M | $239M | 26% |
| Operating cash flow | $572M | $471M | $501M | $258M | $374M | 45% |
| Capex | — | $34M | $50M | $48M | $27M | 44% |
| Stock-based comp | $4M | $5M | $6M | $6M | $6M | 11% |
| Dividends | $146M | $158M | $147M | $150M | $163M | 8.5% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $454K · 7
- Open-market sells, 12 mo
- $0 · 0
- Net
- $454K
Pay vs performance
No pay-versus-performance disclosure yet.