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Glacier Bancorp (GBCI) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 3, 2026 · Glacier Bancorp (GBCI) Q3 2026 earnings results →
Q3 2026 Revenue up 26% year over year to $330M · 32¢ of every $1 of revenue kept as net profit · operating margin 40.3%
Glacier Bancorp made $330M in Q3 2026 (+26% Y/Y): Net interest income $290M, Noninterest income $39.9M. Operating margin 40.3%, net earnings $105M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 3, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $329.8M in Q3 2026, up 27% year over year and up 4% from the previous quarter. Net interest income was the largest line at 88% of revenue. Net interest income added $64.5M year over year (up 29%), 93% of the total change.
Operating profit was $132.8M, a 40.3% margin (up 7.6 points year over year). Of the extra revenue versus Q3 2025, 69% reached operating profit, above the 33% margin then. Total costs grew 12% against revenue growth of 27%. The fastest-growing cost line was Noninterest expense (+14%). Net earnings were $104.6M, up 54% year over year. The effective tax rate was 21.3%.
Operating cash flow was $161.7M (up 44% year over year), 155% of net earnings. Non-cash charges added back $2.0M of share-based compensation. Working capital and other items added $55.1M. Capital expenditures of $11.8M left free cash flow of $149.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 3, 2026 | $330M | +26% | 40.3% | $105M | $162M |
| Q2 2026 | 10-Q | Aug 4, 2026 | $318M | +32% | 39.2% | $97.9M | $121M |
| Q1 2026 | 10-Q | May 1, 2026 | $307M | +38% | 32.7% | $82.1M | $87.9M |
| Q4 2025 | 10-K | Feb 25, 2026 | $307M | +38% | 24.9% | $63.8M | $123M |
| Q3 2025 | 10-Q | Oct 31, 2025 | $261M | +21% | 32.7% | $67.9M | $112M |
| Q2 2025 | 10-Q | Aug 1, 2025 | $241M | +21% | 27.1% | $52.8M | $86.0M |
| Q1 2025 | 10-Q | May 2, 2025 | $223M | +13% | 28.5% | $54.6M | $52.4M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Glacier Bancorp
Glacier Bancorp, Inc., headquartered in Kalispell, Montana, is a Montana corporation incorporated in 2004 as a successor corporation to the Delaware corporation originally incorporated in 1990. The terms “Company,” “we,” “us” and “our” mean Glacier Bancorp, Inc. and its subsidiaries, when appropriate. The Company is a publicly-traded company and its common stock trades on the New York Stock Exchange (“NYSE”) under the symbol: GBCI. We provide a full range of banking services to individuals and businesses from 281 locations in Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, Nevada, and Texas through our wholly-owned bank subsidiary, Glacier Bank (the “Bank”). We offer a wide range of banking products and services, including: 1) retail banking; 2) business banking; 3) real estate, commercial, agriculture and consumer loans; and 4) mortgage origination and loan servicing.
In its own words, from its 10-K, filed Feb 25, 2026.
Glacier Bancorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +26% against the peers' median +12%. Operating margin: 40.3% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| GBCI Glacier Bancorp | Q3 2026 | $330M | +26% | 40.3% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Glacier Bancorp 10-Q on SEC EDGAR · CIK 868671 · State Commercial Banks
Guidance and outlook
13F: who owns GBCI and who is buying
More on GBCI
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results