GBCI Earnings Prediction
The chart below shows how GBCI performed 10 days before and after its earnings report, based on data from the past quarters. Typically, GBCI sees a -0.58% change in stock price 10 days leading up to the earnings, and a +0.33% change 10 days following the report. On the earnings day itself, the stock moves by -1.36%. This data can give you a slight idea of what to expect for the next quarter's release.
GBCI Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
211.09M
13.80%
4.75%
Gross Margin
--
--
--
Operating Margin
34.83%
2.90%
10.43%
Net Margin
29.26%
-0.07%
15.47%
EPS
0.54
10.20%
20.00%
No Data Available
GBCI Earnings Analysis
Glacier Bancorp Inc Corporation (GBCI.N) Earnings Conference Call
Positive
Earnings Per Share Increase: Diluted earnings per share increased by 20% to $0.54 from $0.45 in the prior quarter and by 10% from the prior year.
Net Income Increase: Net income rose to $61.8 million, a 21% increase from the previous quarter and a 14% increase year-over-year.
Net Interest Margin Increase: Net interest margin improved to 2.97%, up 14 basis points from the prior quarter and 41 basis points from the prior year.
Loan Portfolio Growth: The loan portfolio grew by $81 million or 2% annualized during the quarter, with a loan yield of 5.72%, an increase of 3 basis points from the prior quarter.
Consecutive Dividend Declaration: A quarterly cash dividend of $0.33 per share was declared, marking the company's 159th consecutive regular dividend.
Negative
Noninterest Income Decline: Noninterest income decreased by $3,200,000 or 9% over the prior quarter, indicating a significant decline in revenue streams outside of interest income.
Loan Portfolio Growth Analysis: The loan portfolio increased by only $81,000,000 or 2% annualized during the current quarter, reflecting sluggish growth in lending activities.
Decline in Shareholder Value: Tangible stockholders' equity decreased by $17,400,000 or 1% compared to the prior quarter, suggesting a decline in shareholder value.
Residential Loan Sale Decline: The gain on sale of residential loans decreased by $972,000 or 20% compared to the prior quarter, highlighting a downturn in this revenue-generating activity.
Loan Growth Outlook: The guidance for 2025 indicates low to mid single-digit loan growth, which may signal a slowdown in overall business expansion.
GBCI FAQs
How does GBCI typically perform around its earnings report dates?
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GBCI Earning Call Sentiment
Earnings call transcript: Glacier Bancorp Q4 2024 beats EPS forecasts
GBCI.N
0.04%Positive
The earnings call reflects strong financial performance with increased EPS, net income, and net interest margin. Despite competitive pressures and regulatory considerations, the company maintains a positive outlook with stable loan growth and improved efficiency. The acquisition of Rocky Mountain Bank is strategically beneficial, and the consistent dividend policy adds to shareholder confidence. The Q&A section did not reveal significant negative sentiment, and the market cap suggests a moderate positive reaction. Overall, the financial metrics and strategic plans are favorable, supporting a positive stock price movement.