NYSE$GBCI

Glacier Bancorp Inc · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

Glacier Bancorp reported Q4 2025, net income of $63.8M, diluted EPS of $0.57.

For Q4 2025, Glacier Bancorp reported net income of $63.8M, diluted EPS was $0.57. Management discusses segment performance, capital allocation, and outlook in the earnings filing.

  • Net income $63.8M.
  • Diluted EPS $0.57.
  • Glacier Bancorp highlights liquidity, credit, and 2026 priorities.

Headline financials

Total Revenue

$307M

Previous: $191M+60.1%
EPS (adj)

$0.57

Previous: $0.54+5.6%
Net Interest Margin (tax-equivalent)

3.6%

Previous: 3.0%+20.5%
Efficiency Ratio

61.0%

Previous: 60.5%+0.9%
Loan to Deposit Ratio

85.3%

Previous: 84.2%+1.3%
Non-performing Assets as % of Subsidiary Assets

0.2%

Previous: 0.1%+120.0%
Allowance for Credit Losses as % of Non-performing Loans

373.0%

Previous: 774.0%-51.8%
Allowance for Credit Losses as % of Total Loans

1.2%

Previous: 1.2%+2.5%
Net Charge-offs as % of Total Loans

0.1%

Previous: 0.1%-25.0%
Dividends Declared Per Share

$0.33

Previous: $0.33+0.0%
Return on Average Assets (Annualized)

0.8%

Previous: 0.9%-10.3%
Return on Average Equity (Annualized)

6.0%

Previous: 7.6%-20.6%
Net Income

$63.8M

Previous: $61.8M+3.3%
Operating Income

$76.3M

Previous: $73.5M+3.8%

Revenue & EPS history

Glacier · Revenue · Quarterly

$307M

Q4 2025+60.1%vs Q4 2024
Beat estimate in 8 of 14 quarters(57%)
ActualEstimate

Revenue by segment

Glacier · $165M total across 2 segments · Q4 2019

  • Net Interest Income
    $136M
  • Non-Interest Income
    $28.4M

Forward guidance

The release discusses Glacier Bancorp's outlook for upcoming periods, including capital allocation, operating priorities, and market risks, without relying solely on numeric EPS bridges.

Tailwinds

  • Glacier Bancorp cites operational execution and demand trends supporting the outlook.
  • Balance sheet and liquidity actions aim to fund growth and shareholder returns.
  • Net interest margin and loan/deposit growth support the regional banking outlook.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.
  • Credit costs and funding competition remain key risks for banks.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2025

Historical avgQ4 2025

-0.4%

Avg return

Earnings day

+0.1%

Avg return

5 days after

+2.8%

Avg return

30 days after

46%

32 / 69 earnings

Positive

+6.6%

Q2 2018

Best reaction

-8.8%

Q1 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-1.1%-2.5%-3.5%
Q4 2025-3.7%-1.8%+1.3%
Q3 2025-2.6%-4.6%-6.0%
Q2 2025-1.6%-0.4%+6.0%
Q1 2025-4.2%-4.4%-4.6%
Q4 2024-1.5%-4.8%-7.5%
Q3 2024+5.2%+11.6%+23.8%
Q2 2024-2.4%+2.5%-0.9%
Q1 2024+6.1%+10.3%+12.8%
Q4 2023+3.4%+1.3%-10.1%
Q3 2023-1.9%-3.1%+11.1%
Q2 2023-8.6%-7.6%-12.0%
Q1 2023-8.8%-15.7%-26.6%
Q4 2022-2.5%-2.1%+2.0%
Q3 2022-0.3%-0.7%+8.7%
Q2 2022-3.1%-1.7%+8.3%
Q1 2022-0.9%-3.0%-5.4%
Q4 2021-4.7%-3.5%+2.1%
Q3 2021+2.5%-0.3%+5.4%
Q2 2021-2.4%-3.0%+1.9%
Q1 2021+3.7%+3.2%+0.0%
Q4 2020-3.1%+3.0%+12.6%
Q3 2020+5.3%+2.4%+18.8%
Q2 2020+3.5%-0.5%+0.0%
Q1 2020+2.9%+15.4%+22.1%
Q4 2019-0.7%-2.3%-2.5%
Q3 2019+4.6%+5.0%+7.5%
Q2 2019+1.3%+1.7%+3.2%
Q1 2019-3.6%-1.6%-3.8%
Q4 2018-0.4%-0.7%+4.2%
Q3 2018-1.8%-3.8%+9.0%
Q2 2018+6.6%+9.4%+11.0%
Q1 2018-0.5%+2.7%+4.4%
Q4 2017+1.6%-0.2%+2.4%
Q3 2017+0.6%-0.2%+0.1%
Q2 2017-1.6%+1.2%-7.2%
Q1 2017+1.3%+4.4%-1.4%
Q4 2016-0.5%-2.1%+1.8%
Q3 2016+0.1%-0.0%+20.1%
Q2 2016-0.2%-0.1%+3.8%
Q1 2016-0.6%
Q4 2015+3.2%
Q3 2015+3.3%
Q2 2015-4.4%
Q1 2015+0.9%
Q4 2014-5.8%
Q3 2014+0.9%
Q2 2014+1.3%
Q1 2014+0.4%
Q4 2013-4.7%
Q3 2013+3.2%
Q2 2013-1.1%
Q1 2013+2.5%
Q4 2012+1.0%
Q3 2012-0.6%
Q2 2012-0.1%
Q1 2012+1.7%
Q4 2011-1.0%
Q3 2011-4.7%
Q2 2011-7.9%
Q1 2011+1.0%
Q1 2010+0.5%
Q4 2009+0.5%
Q4 2010+0.5%
Q4 2008+0.5%
Q3 2010-2.8%
Q3 2009-2.8%
Q2 2010+1.8%
Q2 2009+1.8%

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