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Compared to Estimates, Glacier Bancorp (GBCI) Q3 Earnings: A Look at Key Metrics

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Glacier Bancorp (GBCI - Free Report) reported $329.84 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 26.5%. EPS of $0.81 for the same period compares to $0.62 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $327.98 million, representing a surprise of +0.57%. The company delivered an EPS surprise of +2.53%, with the consensus EPS estimate being $0.79.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Glacier Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency Ratio: 56.1% versus the five-analyst average estimate of 56.6%.
  • Net charge-offs as a percentage of total loans: 0.1% versus 0.1% estimated by five analysts on average.
  • Net interest margin (tax-equivalent): 4% versus 4% estimated by five analysts on average.
  • Non-accrual loans: $68.2 million compared to the $74.27 million average estimate based on three analysts.
  • Total non-performing assets: $90.64 million compared to the $91.79 million average estimate based on three analysts.
  • Average Balances - Total earning assets: $29.07 billion compared to the $28.97 billion average estimate based on three analysts.
  • Total Non-Interest Income: $39.94 million versus the five-analyst average estimate of $41.41 million.
  • Net Interest Income: $289.9 million versus the five-analyst average estimate of $287.02 million.
  • Net interest income (tax-equivalent): $293.48 million versus the four-analyst average estimate of $290.97 million.
  • Gain on sale of loans: $4.75 million versus the four-analyst average estimate of $5 million.
  • Deposit service charges and other fees: $17.19 million versus the three-analyst average estimate of $29.85 million.

View all Key Company Metrics for Glacier Bancorp here>>>

Shares of Glacier Bancorp have returned +1.3% over the past month versus the Zacks S&P 500 composite's no change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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