NASDAQ · STOCK
Glacier Bancorp
$49.27
52W $39.90 – $54.58
55/100
$6.41B
45.2
0.72
Is GBCI Bullish or Bearish?
Mixed.
Innellis AI committee rates Glacier Bancorp (GBCI) Watch with a composite score of 55/100
, based on 6 analysts with 83% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +5.07 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -14.93 from today. The band boundary is 45.0, 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
Some positive signals exist — price-to-book of 1.4x is a discount to asset value — but they are not yet strong enough to justify a Buy. The committee is monitoring for confirmation.
Bull & Bear Case
Bull Case
- Price-to-book of 1.4x is a discount to asset value — Value
- Dividend yield of 2.7% pays you to wait — Value
- EPS growing 26.8% YoY — Growth
- Market regime is bullish (Bull market -- normal position sizing) — 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
- MACD histogram negative -- bearish momentum — 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 July 31, 2026
Overall Committee Score
55/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 67%
of 141 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
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score strengthened from 48.7 to 54.9.
- Conviction changed from moderate to high.
- Committee agreement increased sharply from 60% to 83%.
- New bearish signals: 2 appeared.
- New bullish signals: 4 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Growth Analyst, Macro Analyst.
- New analyst(s) joined: Value Analyst.
Analyst-level changes:
- Growth Analyst: stance bearish->neutral; score 28->51 (+24); +1 bullish signal(s).
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Value Analyst joined: bullish at 70.
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
36.8
Neutral
MACD Histogram
-0.483
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$48.70
Resistance
$50.10
Bollinger %B
0.20
Inside Bands
Price vs Moving Averages
EMA 9
$49.92
Below
EMA 21
$50.51
Below
EMA 50
$49.97
Below
EMA 200
$47.81
Above
Fundamental Analysis
Valuation
67
Growth
43
Profitability
0
Financial Health
50
Cash Flow
37
Valuation
P/E Ratio
45.2×
P/B Ratio
1.49×
PEG Ratio
-1.05
Dividend Yield
0.03%
52W High
$54.58
52W Low
$39.90
Quality & Growth
ROE
5.7%
ROA
0.8%
Gross Margin
74.1%
Operating Margin
26.7%
Revenue Growth YoY
—
Debt / Equity
0.51
AI Fundamental Assessment
P/E ratio of 45.2 (rich relative to a 15-40x range); Price-to-book of 1.5x; PEG ratio of -1.0 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.7%; Current ratio of 0.24 (tight short-term liquidity); Debt-to-equity of 0.51; Free cash flow margin of 0.9% (thin cash generation); Free cash flow per share is positive (2.80); 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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