Glacier Bancorp Finalizes Purchase of Guaranty Bancshares
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 01 2025
0mins
Should l Buy GBCI?
Acquisition Announcement: Glacier Bancorp (GBCI) has completed its acquisition of Guaranty Bancshares (GNTY), which includes Guaranty Bank & Trust, a community bank based in Texas.
New Division Formation: A new division named "Guaranty Bank & Trust, Division of Glacier Bank" will operate through 33 locations across 26 Texas communities, enhancing Glacier's presence in key Texas markets.
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Analyst Views on GBCI
Wall Street analysts forecast GBCI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for GBCI is 56.50 USD with a low forecast of 55.00 USD and a high forecast of 58.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
4 Analyst Rating
4 Buy
0 Hold
0 Sell
Strong Buy
Current: 53.190
Low
55.00
Averages
56.50
High
58.00
Current: 53.190
Low
55.00
Averages
56.50
High
58.00
About GBCI
Glacier Bancorp, Inc. is the parent company for Glacier Bank and its bank divisions. The Company provides a full range of banking services to individuals and businesses from various locations in Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona and Nevada through its wholly owned bank subsidiary, Glacier Bank (Bank). The Bank offers a range of banking products and services, including retail banking; business banking; real estate, commercial, agriculture and consumer loans, and mortgage origination and loan servicing. The Bank serves individuals, small to medium-sized businesses, community organizations and public entities. Its bank divisions include Guaranty Bank & Trust, N.A. (Mount Pleasant, Texas), Altabank (American Fork, Utah), Glacier Bank (Kalispell, Montana), Bank of the San Juans (Durango, Colorado), Citizens Community Bank (Pocatello, Idaho), Collegiate Peaks Bank (Buena Vista, Colorado), and First Bank of Montana (Lewistown, Montana), among others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Glacier Bancorp CFO Ron Copher Announces Retirement
- Executive Retirement: Glacier Bancorp's CFO Ron Copher has announced his retirement, although he will continue in his role until a successor is appointed, ensuring stability and continuity during the transition period.
- Transition Plan: After his retirement, Copher will serve in an advisory capacity to assist the new CFO in acclimating to the role, thereby ensuring a smooth handover of financial management and mitigating risks associated with executive turnover.
- Efficiency Goals: Glacier Bancorp aims to achieve a mid-50s efficiency ratio by 2026, indicating the company's commitment to enhancing operational efficiency and profitability through acquisition-driven growth strategies.
- Market Reaction: While the executive change may raise market concerns, the company's robust financial management and clear future growth objectives may alleviate investor worries.
See More
Glacier Bancorp CFO Ron Copher to Retire
- Executive Change: Glacier Bancorp announced that Chief Financial Officer Ron Copher will retire, although no specific retirement date has been disclosed, this move may impact the company's financial strategy and investor confidence.
- Successor Plan Pending: The company has not yet announced a successor for the CFO position, which could lead to uncertainty in financial decision-making in the short term, potentially affecting market assessments of the company.
- Financial Stability Considerations: During Copher's tenure, Glacier Bancorp's financial performance has been stable, and his retirement may raise concerns about the company's future financial management capabilities, especially in the current economic environment.
- Market Reaction Monitoring: Investors and analysts will closely monitor the potential impact of this executive change on the company's stock price and market confidence, particularly during the search for a new CFO.
See More
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- Executive Retirement: Glacier Bancorp announces that CFO Ron Copher will retire after 20 years, although he will remain in the role until a successor is appointed, ensuring a smooth transition and highlighting the company's commitment to leadership stability.
- Successor Search: The company has initiated a robust search process for both internal and external candidates to find the right successor, indicating a proactive approach to executive succession aimed at maintaining continuity and stability in financial management.
- Leadership Praise: CEO Randy Chesler commended Copher as an 'exceptional CFO,' emphasizing his contributions to shaping the strong organization, reflecting Copher's significance in the company's culture and financial strategy.
- Business Model Strength: Copher noted the company's unique community banking model and strong record of organic growth, indicating successful operations across diversified markets and laying a foundation for future financial performance.
See More
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- Successful Acquisitions: Glacier Bancorp successfully completed the acquisitions of Bank of Idaho and Guaranty Bank & Trust, expanding its footprint in Idaho and Texas, aligning with the company's long-term growth strategy and expected to drive future revenue growth.
- Financial Performance: The company reported a net income of $239 million for 2025, a 26% increase year-over-year, with Q4 net income at $63.8 million, despite $36 million in acquisition-related expenses, indicating sustained profitability.
- Asset and Deposit Growth: By the end of 2025, total assets reached $32 billion, with a loan portfolio of $21 billion and total deposits of $24.6 billion, reflecting strong market demand and customer trust with increases of $2 billion and $2.7 billion from the prior quarter, respectively.
- Efficiency Improvement Outlook: Management projects core operating expenses for 2026 to be between $750 million and $766 million, with an efficiency ratio expected to reach 54% to 55% in the second half of the year, demonstrating positive progress in cost control and operational efficiency.
See More
Glacier Bancorp (GBCI) Reports Q4 Revenue Growth of 37.5% to $306.5 Million
- Earnings Report: Glacier Bancorp's Q4 GAAP EPS stands at $0.49, aligning with expectations, indicating the company's stable profitability amidst market fluctuations.
- Revenue Growth: The company reported Q4 revenue of $306.5 million, reflecting a robust 37.5% year-over-year increase, surpassing market expectations by $0.63 million, showcasing strong business growth and demand.
- Market Reaction: Despite the impressive revenue performance, analysts suggest that it is too early for an upgrade on Glacier Bancorp, indicating a cautious market sentiment regarding future performance.
- Historical Data: The historical financial data and dividend scorecard for Glacier Bancorp highlight the company's ongoing efforts in financial management and shareholder returns, bolstering investor confidence.
See More
Glacier Bancorp (GBCI) Reports 3% Net Income Growth to $63.8 Million in Q4
- Net Income Growth: Glacier Bancorp reported a net income of $63.8 million for Q4, reflecting a 3% increase from $61.8 million in the same quarter last year, indicating the company's stability and profitability in the current economic environment.
- Earnings Per Share Decline: The earnings per share for the quarter were $0.49, down 9% from $0.54 in the prior year, highlighting challenges in cost control and market competition.
- Significant Increase in Interest Income: The net interest income for the current quarter was $266.1 million, a 39% increase compared to $191.4 million last year, demonstrating the company's strong performance in lending and interest rate environments.
- Rise in Non-Interest Income: Total non-interest income for the quarter reached $40.4 million, up from $31.5 million a year ago, showcasing the company's success in diversifying its revenue streams.
See More
Glacier Bancorp CFO Ron Copher Announces Retirement
- Executive Retirement: Glacier Bancorp's CFO Ron Copher has announced his retirement, although he will continue in his role until a successor is appointed, ensuring stability and continuity during the transition period.
- Transition Plan: After his retirement, Copher will serve in an advisory capacity to assist the new CFO in acclimating to the role, thereby ensuring a smooth handover of financial management and mitigating risks associated with executive turnover.
- Efficiency Goals: Glacier Bancorp aims to achieve a mid-50s efficiency ratio by 2026, indicating the company's commitment to enhancing operational efficiency and profitability through acquisition-driven growth strategies.
- Market Reaction: While the executive change may raise market concerns, the company's robust financial management and clear future growth objectives may alleviate investor worries.
See More
Glacier Bancorp CFO Ron Copher to Retire
- Executive Change: Glacier Bancorp announced that Chief Financial Officer Ron Copher will retire, although no specific retirement date has been disclosed, this move may impact the company's financial strategy and investor confidence.
- Successor Plan Pending: The company has not yet announced a successor for the CFO position, which could lead to uncertainty in financial decision-making in the short term, potentially affecting market assessments of the company.
- Financial Stability Considerations: During Copher's tenure, Glacier Bancorp's financial performance has been stable, and his retirement may raise concerns about the company's future financial management capabilities, especially in the current economic environment.
- Market Reaction Monitoring: Investors and analysts will closely monitor the potential impact of this executive change on the company's stock price and market confidence, particularly during the search for a new CFO.
See More
Glacier Bancorp CFO Ron Copher to Retire After 20 Years
- Executive Retirement: Glacier Bancorp announces that CFO Ron Copher will retire after 20 years, although he will remain in the role until a successor is appointed, ensuring a smooth transition and highlighting the company's commitment to leadership stability.
- Successor Search: The company has initiated a robust search process for both internal and external candidates to find the right successor, indicating a proactive approach to executive succession aimed at maintaining continuity and stability in financial management.
- Leadership Praise: CEO Randy Chesler commended Copher as an 'exceptional CFO,' emphasizing his contributions to shaping the strong organization, reflecting Copher's significance in the company's culture and financial strategy.
- Business Model Strength: Copher noted the company's unique community banking model and strong record of organic growth, indicating successful operations across diversified markets and laying a foundation for future financial performance.
See More
Glacier Bancorp (GBCI) Completes Acquisitions, Achieves $32 Billion in Assets for 2025
- Successful Acquisitions: Glacier Bancorp successfully completed the acquisitions of Bank of Idaho and Guaranty Bank & Trust, expanding its footprint in Idaho and Texas, aligning with the company's long-term growth strategy and expected to drive future revenue growth.
- Financial Performance: The company reported a net income of $239 million for 2025, a 26% increase year-over-year, with Q4 net income at $63.8 million, despite $36 million in acquisition-related expenses, indicating sustained profitability.
- Asset and Deposit Growth: By the end of 2025, total assets reached $32 billion, with a loan portfolio of $21 billion and total deposits of $24.6 billion, reflecting strong market demand and customer trust with increases of $2 billion and $2.7 billion from the prior quarter, respectively.
- Efficiency Improvement Outlook: Management projects core operating expenses for 2026 to be between $750 million and $766 million, with an efficiency ratio expected to reach 54% to 55% in the second half of the year, demonstrating positive progress in cost control and operational efficiency.
See More
Glacier Bancorp (GBCI) Reports Q4 Revenue Growth of 37.5% to $306.5 Million
- Earnings Report: Glacier Bancorp's Q4 GAAP EPS stands at $0.49, aligning with expectations, indicating the company's stable profitability amidst market fluctuations.
- Revenue Growth: The company reported Q4 revenue of $306.5 million, reflecting a robust 37.5% year-over-year increase, surpassing market expectations by $0.63 million, showcasing strong business growth and demand.
- Market Reaction: Despite the impressive revenue performance, analysts suggest that it is too early for an upgrade on Glacier Bancorp, indicating a cautious market sentiment regarding future performance.
- Historical Data: The historical financial data and dividend scorecard for Glacier Bancorp highlight the company's ongoing efforts in financial management and shareholder returns, bolstering investor confidence.
See More
Glacier Bancorp (GBCI) Reports 3% Net Income Growth to $63.8 Million in Q4
- Net Income Growth: Glacier Bancorp reported a net income of $63.8 million for Q4, reflecting a 3% increase from $61.8 million in the same quarter last year, indicating the company's stability and profitability in the current economic environment.
- Earnings Per Share Decline: The earnings per share for the quarter were $0.49, down 9% from $0.54 in the prior year, highlighting challenges in cost control and market competition.
- Significant Increase in Interest Income: The net interest income for the current quarter was $266.1 million, a 39% increase compared to $191.4 million last year, demonstrating the company's strong performance in lending and interest rate environments.
- Rise in Non-Interest Income: Total non-interest income for the quarter reached $40.4 million, up from $31.5 million a year ago, showcasing the company's success in diversifying its revenue streams.
See More
