Glacier Bancorp
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
19.99
Price/Sales ratio
5.25
Earnings per Share (EPS)
$2.31

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
18.3817.2522.8126.2418.2119.2716.3819.7718.0520.5431.2118.21
Price/Sales ratio
5.745.186.586.836.146.455.997.226.185.815.056.45
Price/Book Value ratio
2.011.862.472.542.182.071.891.771.921.511.752.07
Price/Cash Flow ratio
11.3411.6815.3111.9811.7917.9023.039.8411.629.1422.5611.79
Price/Free Cash Flow ratio
12.3113.07-6.6612.4812.6319.3024.5410.0012.2310.1426.8212.63
Price/Earnings Growth ratio
1.208.687.022.600.742.000.939.26-3.98-0.77-47.752.00
Dividend Yield
2.45%3.96%3.04%3.65%2.58%3.06%3.00%2.58%2.87%3.20%2.62%2.58%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%100%100%
Operating Profit Margin
48.69%46.37%45.39%47.21%47.84%41.20%45.07%44.86%49.42%48.26%22.88%41.20%
Pretax Profit Margin
41.21%38.80%38.32%40.53%41.24%41.20%45.07%44.86%41.84%33.98%19.04%41.20%
Net Profit Margin
31.26%30.01%28.87%26.06%33.76%33.46%36.60%36.55%34.26%28.30%16.18%33.46%
Effective Tax Rate
24.15%22.64%24.66%35.70%18.15%18.76%18.79%18.50%18.11%16.69%14.99%18.76%
Return on Assets
1.35%1.27%1.28%1.19%1.50%1.53%1.43%1.09%1.13%0.80%0.64%1.53%
Return On Equity
10.96%10.78%10.84%9.70%11.99%10.73%11.54%8.96%10.66%7.38%5.84%10.73%
Return on Capital Employed
2.11%1.97%2.01%2.17%2.12%1.89%1.77%1.34%1.64%1.36%1.91%1.91%
Liquidity Ratios
Current Ratio
0.470.450.400.310.270.250.05N/AN/AN/A0.070.25
Quick Ratio
1.20K1.53K1.67K1.99K2.03K715.832.04K4.23K1.44KN/A0.07715.83
Cash ratio
106.2253.2142.5657.9747.9270.62191.57181.6892.81N/A0.0670.62
Days of Sales Outstanding
41.0742.0039.8736.3436.8632.5137.8635.9334.45N/AN/A32.51
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.040.050.040.050.040.010.000.000.070.000.070.04
Debt Equity Ratio
0.320.480.340.400.380.100.070.050.700.060.620.38
Long-term Debt to Capitalization
0.240.320.250.280.270.090.060.050.410.050.380.27
Total Debt to Capitalization
0.240.320.250.280.270.090.060.050.410.050.380.27
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A12.00N/AN/AN/A0.71N/A
Cash Flow to Debt Ratio
0.540.320.470.520.471.091.093.230.232.640.121.09
Company Equity Multiplier
8.078.448.468.097.996.978.028.169.369.188.697.99
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.500.440.430.570.520.360.260.730.530.630.220.36
Free Cash Flow / Operating Cash Flow Ratio
0.920.89-2.290.960.930.920.930.980.950.900.840.92
Cash Flow Coverage Ratio
0.540.320.470.520.471.091.093.230.232.640.121.09
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
45.18%68.42%69.37%95.99%47.00%59.11%49.27%51.11%51.95%65.80%81.20%47.00%