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Glacier Bancorp Earnings Calls
| Release date | Oct 16, 2025 |
| EPS estimate | $0.610 |
| EPS actual | $0.620 |
| EPS Surprise | 1.64% |
| Revenue estimate | 305.747M |
| Revenue actual | 260.731M |
| Revenue Surprise | -14.72% |
| Release date | Jul 24, 2025 |
| EPS estimate | $0.470 |
| EPS actual | $0.450 |
| EPS Surprise | -4.26% |
| Revenue estimate | 260.497M |
| Revenue actual | 234.655M |
| Revenue Surprise | -9.92% |
| Release date | Apr 24, 2025 |
| EPS estimate | $0.470 |
| EPS actual | $0.480 |
| EPS Surprise | 2.13% |
| Revenue estimate | 227.14M |
| Revenue actual | 216.881M |
| Revenue Surprise | -4.52% |
| Release date | Jan 24, 2025 |
| EPS estimate | $0.520 |
| EPS actual | $0.540 |
| EPS Surprise | 3.85% |
| Revenue estimate | 190.95M |
| Revenue actual | 216.638M |
| Revenue Surprise | 13.45% |
Last 4 Quarters for Glacier Bancorp
Below you can see how GBCI performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jan 24, 2025 |
| Price on release | $50.60 |
| EPS estimate | $0.520 |
| EPS actual | $0.540 |
| EPS surprise | 3.85% |
| Date | Price |
|---|---|
| Jan 17, 2025 | $51.19 |
| Jan 21, 2025 | $52.23 |
| Jan 22, 2025 | $51.63 |
| Jan 23, 2025 | $51.35 |
| Jan 24, 2025 | $50.60 |
| Jan 27, 2025 | $50.16 |
| Jan 28, 2025 | $49.88 |
| Jan 29, 2025 | $48.89 |
| Jan 30, 2025 | $49.65 |
| 4 days before | -1.15% |
| 4 days after | -1.88% |
| On release day | -0.87% |
| Change in period | -3.01% |
| Release date | Apr 24, 2025 |
| Price on release | $42.62 |
| EPS estimate | $0.470 |
| EPS actual | $0.480 |
| EPS surprise | 2.13% |
| Date | Price |
|---|---|
| Apr 17, 2025 | $39.59 |
| Apr 21, 2025 | $39.29 |
| Apr 22, 2025 | $40.58 |
| Apr 23, 2025 | $41.82 |
| Apr 24, 2025 | $42.62 |
| Apr 25, 2025 | $40.81 |
| Apr 28, 2025 | $40.91 |
| Apr 29, 2025 | $41.36 |
| Apr 30, 2025 | $40.76 |
| 4 days before | 7.65% |
| 4 days after | -4.36% |
| On release day | -4.25% |
| Change in period | 2.96% |
| Release date | Jul 24, 2025 |
| Price on release | $44.56 |
| EPS estimate | $0.470 |
| EPS actual | $0.450 |
| EPS surprise | -4.26% |
| Date | Price |
|---|---|
| Jul 18, 2025 | $45.71 |
| Jul 21, 2025 | $45.19 |
| Jul 22, 2025 | $45.68 |
| Jul 23, 2025 | $45.88 |
| Jul 24, 2025 | $44.56 |
| Jul 25, 2025 | $45.31 |
| Jul 28, 2025 | $46.45 |
| Jul 29, 2025 | $45.83 |
| Jul 30, 2025 | $44.96 |
| 4 days before | -2.52% |
| 4 days after | 0.90% |
| On release day | 1.68% |
| Change in period | -1.64% |
| Release date | Oct 16, 2025 |
| Price on release | $45.05 |
| EPS estimate | $0.610 |
| EPS actual | $0.620 |
| EPS surprise | 1.64% |
| Date | Price |
|---|---|
| Oct 10, 2025 | $46.20 |
| Oct 13, 2025 | $47.38 |
| Oct 14, 2025 | $49.06 |
| Oct 15, 2025 | $48.02 |
| Oct 16, 2025 | $45.05 |
| Oct 17, 2025 | $43.94 |
| Oct 20, 2025 | $43.58 |
| Oct 21, 2025 | $43.25 |
| Oct 22, 2025 | $43.00 |
| 4 days before | -2.49% |
| 4 days after | -4.55% |
| On release day | -2.46% |
| Change in period | -6.93% |
Glacier Bancorp Earnings Call Transcript Summary of Q3 2025
Glacier Bancorp reported a strong Q3 with net income of $67.9 million ($0.57 diluted EPS), up 29% sequentially and 33% year-over-year. Key drivers included margin expansion (tax-adjusted NIM 3.39%, +18 bps sequential, +56 bps YoY), higher loan yields, lower funding costs (total cost of funds 1.58%), and solid loan growth (up $258 million to $18.8 billion). Deposits rose to $22.0 billion with noninterest-bearing deposits increasing and now making up 31% of total deposits. Credit remains strong (nonperforming assets 0.19% of assets; net charge-offs 3 bps), and tangible book value per share rose to $20.46 (up 8% YoY). The company completed the Bank of Idaho core conversion and closed the Guaranty Bank & Trust acquisition (adds $3.1B; entry into Texas) and is focused on a flawless 2026 conversion. Q4 guidance: management expects further NIM expansion of ~18–20 bps (includes Guaranty impact), core noninterest expense to step up due to Guaranty (Q4 core noninterest expense expected $185–189 million, including ~$21–22M from Guaranty plus ~$3M amortization), and continued M&A optionality. Management reiterated a conservative credit posture and long-term confidence in returning NIM toward ~4% over time, while noting the pace/timing depends on funding, loan/deposit growth and rate/curve movements. The board declared the 162nd consecutive quarterly dividend of $0.33 per share.
