Glacier Bancorp, Inc. (GBCI) Fair Value 2026

GBCI · State Commercial Banks ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.4 /10

32 fundamental signals · 12 models active

Value Trap Risk

(—/100)

Quick Summary — As of 2026-07-13, Glacier Bancorp, Inc. (GBCI) trades at $51.76, approximately 17% below CirclFi’s Bayesian DCF fair value of $62.02. QOC: 8.4/10. 12/13 models active.

Key Facts

Ticker
GBCI
Price
$51.76
Quality Score
8.4/10
Value Trap Risk
—/100
Models Active
12/13
Last Updated
Strength: Bayesian DCF suggests +19.8% upside with 59% confidence
Risk: Majority of models suggest overvaluation

Valuation Matrix

12 Intrinsic Value Models vs. Current Price ($51.76)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
High Conviction
$62.02 +19.8%
Earnings Power Value
High Conviction
$9.20 -82.2%
CUCE Ensemble
Low Conviction
$37.86 -26.8%
First Chicago
High Conviction
$40.29 -22.2%

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What Is Glacier Bancorp, Inc. (GBCI) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Glacier Bancorp, Inc.'s intrinsic value is estimated at $42.54, suggesting the stock is overvalued at its current price of $51.76. With 9 out of 12 models flagging downside (-17.8% average return), the market may be pricing in unsustainable growth. Notably, ML-RIV sees the most upside at +87.9% (fair value: $97.26), while EPV is the most conservative at -82.2% ($9.20). The spread between these extremes — +170.1% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About GBCI?

12 of 13 models are currently active for GBCI. Of these, 3 models suggest upside while 9 models suggest overvaluation. The Bayesian DCF estimates GBCI's intrinsic value at $62.02, implying +19.8% upside from the current price. See which stocks rank higher →

How Does GBCI Rank in State Commercial Banks?

Among 170 State Commercial Banks stocks, GBCI ranks #69 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places GBCI in the top tier.

See all Most Undervalued State Commercial Banks Stocks →

Within the State Commercial Banks space, Glacier Bancorp, Inc. competes in an environment where return on tangible equity often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is GBCI a Value Trap?

The Value Trap algorithm is not active for GBCI. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

12 of 13 models are active for Glacier Bancorp, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Glacier Bancorp, Inc. is rated at 8.4/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

The gap between the most bullish and bearish model spans +170.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every GBCI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across GBCI's 12 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Glacier Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar State Commercial Banks Stocks Should You Also Analyze?

8 related State Commercial Banks stocks with 13-model coverage

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Frequently Asked Questions About Glacier Bancorp, Inc.

What is Glacier Bancorp, Inc.'s intrinsic value in 2026?

Based on CirclFi's 13-model analysis, Glacier Bancorp, Inc. (GBCI) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $62.02. The Quality of Company score is 8.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is GBCI overvalued or undervalued right now?

At $51.76, 3 of 12 active models suggest GBCI may be undervalued, while 9 indicate potential overvaluation. The assessment depends on which methodology best fits Glacier Bancorp, Inc.'s business model in State Commercial Banks.

What does a Quality of Company score of 8.4 mean for GBCI?

Glacier Bancorp, Inc.'s QOC of 8.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on GBCI?

CirclFi analyzes GBCI with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 12 of 13 are active for this stock. Read the full methodology →

Is GBCI a value trap in 2026?

CirclFi's Value Trap algorithm does not have sufficient data for GBCI at this time. Browse stocks by value-trap risk →

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