Need an investment idea? Check out Popular Stocks and S2O Stock Screener.

Market Price

39.90 

-0.04 -0.1%

as of Jun 14 '19

52 Week Range:

36.84 47.67


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Glacier Bancorp, Inc. operates as the holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the United States. It offers deposit products, including non-interest bearing deposits, interest bearing negotiable order of withdrawal and demand deposit accounts, savings accounts, money market deposit accounts, fixed rate certificates of deposits, negotiated-rate jumbo certificates, and individual retirement accounts. The company also provides construction and permanent loans on residential real estate; consumer land or lot acquisition loans; unimproved land and land development loans; and residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. In addition, it offers commercial real estate loans to purchase, construct, and finance commercial real estate properties; consumer loans secured by real estate, automobiles, or other assets; second mortgage loans; home equity loans consisting of 1-4 family junior lien mortgages, and first and junior lien lines of credit secured by residential real estate; and agriculture loans. Further, the company provides mortgage origination services. As of December 31, 2017, it operated in 145 locations in Montana, Idaho, Utah, Washington, Wyoming, Colorado, and Arizona. The company was incorporated in 2004 and is headquartered in Kalispell, Montana.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 12.45
11.13
11.66
11.84
12.52
12.74
13.87
14.13
15.00
15.46
17.66
growth rate -10.6% 4.8% 1.5% 5.7% 1.8% 8.9% 1.9% 6.2% 3.1% 14.2%
Earnings BIT 99.26
38.37
49.67
17.19
94.59
125.66
162.44
163.26
172.02
194.07
growth rate -61.3% 29.5% -65.4% 450.3% 32.9% 29.3% 0.5% 5.4% 12.8%
Avg.PE 15.97
24.57
24.88
49.50
14.01
22.83
16.09
16.81
23.27
26.21
22.58
growth rate 53.9% 1.3% 99.0% -71.7% 63.0% -29.5% 4.5% 38.4% 12.6% -13.9%
ROA 1.27
0.59
0.65
0.25
1.01
1.22
1.39
1.34
1.31
1.22
1.67
growth rate -53.5% 10.2% -61.5% 304.0% 20.8% 13.9% -3.6% -2.2% -6.9% 36.9%
ROE 10.89
5.04
5.55
2.07
8.62
10.26
11.32
11.04
11.04
10.05
13.40
growth rate -53.7% 10.1% -62.7% 316.4% 19.0% 10.3% -2.5% 0.0% -9.0% 33.3%
ROIC 10.76
6.17
4.94
3.06
5.09
5.92
7.87
growth rate -42.7% -19.9% -38.1% 66.3% 16.3% 32.9%
Leverage 8.20
9.03
8.06
8.45
8.60
8.19
8.08
8.44
8.46
8.10
7.99
growth rate 10.1% -10.7% 4.8% 1.8% -4.8% -1.3% 4.5% 0.2% -4.3% -1.4%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 34.96
37.77
41.90
40.59
44.52
45.83
44.46
growth rate 8.0% 10.9% -3.1% 9.7% 2.9% -3.0%
Acct.Payable 5.83
4.68
3.51
6,345.21
6,945.01
7,372.28
7,579.75
9,493.77
growth rate -19.7% -25.0% 180,933.2% 9.5% 6.2% 2.8% 25.3%
Cur.Assets 557.53
321.11
292.25
297.57
298.83
growth rate -42.4% -9.0% 1.8% 0.4%
Total Assets 5,554.00
6,191.80
6,759.30
7,187.91
7,747.44
7,884.35
8,306.51
9,089.23
9,450.60
9,706.35
12,115.48
growth rate 11.5% 9.2% 6.3% 7.8% 1.8% 5.4% 9.4% 4.0% 2.7% 24.8%
Cash 128.80
123.40
105.10
3,254.78
3,870.05
3,378.49
442.41
193.25
152.54
200.00
150.16
growth rate -4.2% -14.8% 2,996.8% 18.9% -12.7% -86.9% -56.3% -21.1% 31.1% -24.9%
Inventory 27.80
26.82
20.95
14.27
7.48
growth rate -3.6% -21.9% -31.9% -47.6%
Cur.Liabilities 6,857.12
7,576.53
7,905.34
8,156.03
10,183.87
growth rate 10.5% 4.3% 3.2% 24.9%
Liabilities 4,877.00
5,505.90
5,921.10
6,337.68
6,846.49
6,921.10
7,278.46
8,012.58
8,333.73
8,507.29
10,599.63
growth rate 12.9% 7.5% 7.0% 8.0% 1.1% 5.2% 10.1% 4.0% 2.1% 24.6%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
335.98
341.49
341.08
287.49
302.91
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -83.3% 1.6% -0.1% -15.7% 5.4%
Equity 676.90
685.90
838.20
850.23
900.95
963.25
1,028.05
1,076.65
1,116.87
1,199.06
1,515.85
growth rate 1.3% 22.2% 1.4% 6.0% 6.9% 6.7% 4.7% 3.7% 7.4% 26.4%
Common Shares 55.00
62.00
70.00
72.00
72.00
73.00
75.00
76.00
76.00
78.00
84.00
growth rate 12.7% 12.9% 2.9% 0.0% 1.4% 2.7% 1.3% 0.0% 2.6% 7.7%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 11.00
-2.90
22.70
17.49
10.73
8.98
14.39
18.22
8.31
10.13
18.64
growth rate -100.0% 100.0% -22.9% -38.7% -16.3% 60.3% 26.7% -54.4% 21.9% 84.0%
Cash Dividends 29.10
32.00
37.40
37.40
47.47
44.23
35.35
56.75
61.12
82.32
65.91
growth rate 10.0% 16.9% 0.0% 27.0% -6.8% -20.1% 60.6% 7.7% 34.7% -19.9%
Cash From OA 87.20
96.70
193.90
186.84
183.79
334.10
182.73
176.77
193.09
254.74
280.71
growth rate 10.9% 100.5% -3.6% -1.6% 81.8% -45.3% -3.3% 9.2% 31.9% 10.2%
FCF per Share 1.30
1.38
2.46
3.17
2.41
4.04
2.29
2.40
1.93
2.97
2.77
growth rate 6.2% 78.3% 28.9% -24.0% 67.6% -43.3% 4.8% -19.6% 53.9% -6.7%
Sale Purchase of Stock 0.08
4.33
0.79
0.02
-0.60
growth rate 5,240.7% -81.9% -97.8% -100.0%
FCF 72.00
85.00
171.00
169.00
173.00
325.00
168.00
153.00
180.00
245.00
262.00
growth rate 18.1% 101.2% -1.2% 2.4% 87.9% -48.3% -8.9% 17.7% 36.1% 6.9%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 273.60
331.80
322.30
358.31
345.25
356.62
360.66
386.88
419.51
446.57
542.34
growth rate 21.3% -2.9% 11.2% -3.6% 3.3% 1.1% 7.3% 8.4% 6.5% 21.4%
Op.Income 99.30
38.40
49.70
17.47
75.52
95.64
158.43
164.53
173.17
191.97
243.39
growth rate -61.3% 29.4% -64.9% 332.2% 26.7% 65.6% 3.9% 5.3% 10.9% 26.8%
IBT 99.26
38.37
49.67
17.19
94.59
125.66
148.66
150.13
160.79
181.00
222.21
growth rate -61.3% 29.5% -65.4% 450.3% 32.8% 18.3% 1.0% 7.1% 12.6% 22.8%
Net Income 65.70
34.40
42.30
17.47
75.52
95.64
112.76
116.13
121.13
116.38
181.88
growth rate -47.6% 23.0% -58.7% 332.2% 26.7% 17.9% 3.0% 4.3% -3.9% 56.3%
EPS 1.19
0.56
0.61
0.24
1.05
1.31
1.51
1.54
1.59
1.50
2.17
growth rate -52.9% 8.9% -60.7% 337.5% 24.8% 15.3% 2.0% 3.3% -5.7% 44.7%
Gross Profit 360.66
386.88
419.51
446.57
542.34
growth rate 7.3% 8.4% 6.5% 21.4%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 50.81
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 54.38
growth rate
Acct.Payable 9,418.85
9,423.58
9,601.18
9,493.77
9,588.12
growth rate 0.1% 1.9% -1.1% 1.0%
Cur.Assets 556.61
491.51
432.40
298.83
297.41
growth rate -11.7% -12.0% -30.9% -0.5%
Total Assets 11,658.78
11,897.64
11,909.10
12,115.48
12,073.78
growth rate 2.1% 0.1% 1.7% -0.3%
Cash 451.05
368.13
307.10
150.16
202.53
growth rate -18.4% -16.6% -51.1% 34.9%
Inventory 14.13
13.62
12.40
7.48
8.13
growth rate -3.7% -8.9% -39.7% 8.6%
Cur.Liabilities 9,822.49
9,790.89
10,014.14
10,183.87
10,084.45
growth rate -0.3% 2.3% 1.7% -1.0%
Liabilities 10,204.75
10,423.65
10,416.49
10,599.63
10,522.93
growth rate 2.2% -0.1% 1.8% -0.7%
LT Debt 297.32
539.01
299.33
302.91
339.78
growth rate 81.3% -44.5% 1.2% 12.2%
Equity 1,454.02
1,473.99
1,492.61
1,515.85
1,550.85
growth rate 1.4% 1.3% 1.6% 2.3%
Common Shares 0.85
0.85
0.85
0.85
0.85
growth rate 0.0% 0.0% 0.0% 0.1%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 5.56
5.74
2.69
4.65
3.81
growth rate 3.3% -53.2% 73.2% -18.1%
Cash Dividends 0.11
19.44
21.99
24.37
25.56
growth rate 18,072.0% 13.1% 10.8% 4.9%
Cash From OA 47.94
51.30
68.28
113.20
46.31
growth rate 7.0% 33.1% 65.8% -59.1%
Sale Purchase of Stock
growth rate
FCF 42.38
45.56
65.59
108.55
42.50
growth rate 7.5% 44.0% 65.5% -60.9%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 120.58
135.66
142.97
143.12
143.63
growth rate 12.5% 5.4% 0.1% 0.4%
Op.Income 51.13
60.08
67.16
65.02
64.13
growth rate 17.5% 11.8% -3.2% -1.4%
IBT 46.96
53.87
60.14
61.25
60.80
growth rate 14.7% 11.6% 1.8% -0.7%
Net Income 38.56
44.38
49.34
49.60
49.13
growth rate 15.1% 11.2% 0.5% -0.9%
EPS
growth rate
Gross Profit 120.58
135.66
142.97
143.12
143.63
growth rate 12.5% 5.4% 0.1% 0.4%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (75.87)

YOY Growth Grade:

D (45.58)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 22.58 22.22 16.55
EPS / Growth 7.5% 1.80 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 11.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 7.5% 9.7% 9.7%
Future PE 14.90 19.54 19.54
Future EPS 3.68 4.55 4.55
Value Price
MOS %
13.57
-66.0%
21.97
-44.9%
21.97
-44.9%
MOS Price 6.78 10.99 10.99
IRT 12.97 11.71 11.71

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.