Filing Flows › Glacier Bancorp (GBCI) › Q4 2025
Glacier Bancorp (GBCI) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 25, 2026
Glacier Bancorp (GBCI) reported revenue of $307M for the fourth quarter 2025 (Q4 2025), +37% from a year earlier and +18% from the quarter before. Operating margin was 24.9%, net earnings $63.8M (20.8% of revenue).
Glacier Bancorp, Q4 2025: revenue $307M (+38% year over year), operating margin 24.9%, net earnings $63.8M, operating cash flow $123M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $307M | +18% | +37% |
| Operating profit | $76.3M | -11% | +4% |
| Net earnings | $63.8M | -6% | +3% |
| Operating cash flow | $123M | +10% | +21% |
| Free cash flow | $116M | +11% | +28% |
What changed
Revenue was $306.5M in Q4 2025, up 37% year over year and up 18% from the previous quarter.
Operating profit was $76.3M, a 24.9% margin (down 8.1 points year over year). Of the extra revenue versus a year earlier, 3% reached operating profit, below the 33% margin then. Total costs grew 54% against revenue growth of 37%. The fastest-growing cost line was Credit loss provision (+318%). Net earnings were $63.8M, up 3% year over year. The effective tax rate was 16.4%.
Operating cash flow was $123.5M (up 21% year over year), 194% of net earnings. Non-cash charges added back $1.3M of share-based compensation. Working capital and other items added $58.4M. Capital expenditures of $7.0M left free cash flow of $116.5M.
Questions
What was Glacier Bancorp's revenue in the fourth quarter 2025?
Glacier Bancorp (GBCI) reported revenue of $307M for the fourth quarter 2025 (Q4 2025), +37% from a year earlier and +18% from the quarter before.
Was Glacier Bancorp profitable in the fourth quarter 2025?
Operating profit was $76.3M (24.9% of revenue) and net earnings $63.8M.
Source: Glacier Bancorp 10-K on SEC EDGAR.