GBCI - NYSE
Glacier Bancorp, Inc.
$46.01
+0.52%Glacier Bancorp, Inc. operates as the bank 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 non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal and demand deposit accounts, savings accounts, money market deposit accounts, fixed rate certificates of deposit, 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; paycheck protection program loans; home equity loans consisting of junior lien mortgages, and first and junior lien lines of credit secured by owner-occupied 1-4 family residences; and agriculture loans. Further, the company provides mortgage origination and loan servicing services. It has 224 locations, including 188 branches and 36 loan or administration offices in 75 counties within 8 states comprising Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, and Nevada. The company was founded in 1955 and is headquartered in Kalispell, Montana.
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Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $620.3M | $1.0B | $1.7B | $2.8B | $4.7B | $7.7B | $12.8B | $21.3B | $35.2B | $58.4B |
| Maintenance CapEx | -$8.9M | -$14.7M | -$24.4M | -$40.5M | -$67.1M | -$111.1M | -$184.1M | -$305.0M | -$505.4M | -$837.3M |
| Owner Earnings | $611.4M | $1.0B | $1.7B | $2.8B | $4.6B | $7.6B | $12.7B | $21.0B | $34.7B | $57.5B |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $566.2M | $868.6M | $1.3B | $2.0B | $3.1B | $4.8B | $7.4B | $11.3B | $17.4B | $26.7B |
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