Short answer
GLACIER BANCORP, INC. (GBCI) filed its fiscal 2025 10-K annual report with the SEC on Feb 25, 2026. It reported revenue of $101M (+7.5% year over year) and net income of $239M.
- Top risk flagged: Regulatory risk from Federal Reserve dividend guidance limiting dividends to earnings per share over past four quarters
FY2025 key financial metrics · XBRL
- Revenue
- $101M
- +7.5% YoY
- Net income
- $239M
- +25.7% YoY
- EPS (diluted)
- $1.99
- +18.5% YoY
- ROE
- 5.7%
- −0.2 pp YoY
- Operating cash flow
- $374M
- +45.1% YoY
Source: XBRL data from the GLACIER BANCORP, INC. (GBCI) FY2025 10-K on SEC EDGAR. USD.
GLACIER BANCORP, INC. FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business model: Regional banking services including deposit taking, lending, and wealth management
- No new products, services, or segments introduced or emphasized in 2026 filing
- No strategic shifts or changes in competitive positioning disclosed compared to prior year
- No quantitative metrics such as employee count or R&D spend reported in business section
- Most noteworthy: Filing includes multiple standard Sarbanes-Oxley Act certifications and a clawback policy filed February 23, 2024
Management Discussion & Analysis
- NII sensitivity within policy limits for Dec 31, 2025; one-year +100 bp shock increases NII by 3.21%
- Two-year +200 bp shock scenario projects NII increase of 7.25%, worst case -200 bp shock shows 6.31% NII decline
- ALCO asset/liability management includes 100-400 bp rate shocks and ramps, with monitoring over 1-5 year horizons
- Forward-looking risk: sensitivity varies with market conditions, deposit behavior, and ALCO strategy adjustments
Risk Factors
- Regulatory risk from Federal Reserve dividend guidance limiting dividends to earnings per share over past four quarters
- Macroeconomic exposure to real estate markets across 9 states including recent Texas expansion impacting collateral values
- Operational vulnerability from third-party service provider failures affecting critical banking functions and customer delivery
- Competitive risk from fintech national bank charters and stablecoin regulations reshaping banking landscape and pricing pressure
- Financial risk from $1.4B goodwill (33% of equity) potential impairment triggering losses and regulatory capital constraints
Generated from the filing text; verify against the original. How to read a 10-K
Ask about this 10-K
Compare years, dig into a risk factor or check the numbers against insider trades and fund holders.