AI Earnings Predictions for Glacier Bancorp Inc. (GBCI)

EX-99.1

2 gbci-06302026xex991.htm

EX-99.1

Document

NEWS RELEASE

July 23, 2026

FOR IMMEDIATE RELEASECONTACT: Randall M. Chesler, CEO

(406) 751-4722

Ron J. Copher, CFO

(406) 751-7706

GLACIER BANCORP, INC. ANNOUNCES

RESULTS FOR THE QUARTER AND PERIOD ENDED JUNE 30, 2026

2nd Quarter 2026 Highlights:

•Net income was $97.9 million for the current quarter, an increase of $15.8 million, or 19 percent, from the prior quarter net income of $82.1 million and an increase of $45.1 million, or 85 percent, from the prior year second quarter net income of $52.8 million.

•Diluted earnings per share for the current quarter was $0.75 per share, an increase of $0.12 per share, or 19 percent, from the prior quarter diluted earnings per share of $0.63 and an increase of $0.30 per share, or 67 percent, from the prior year second quarter diluted earnings per share of $0.45.

•Operating diluted earnings per share1 for the current quarter was $0.76 per share, an increase of $0.06 per share, or 9 percent, from the prior quarter operating diluted earnings per share of $0.70 and an increase of $0.19 per share, or 33 percent, from the prior year second quarter operating diluted earnings per share of $0.57.

•Net interest income for the current quarter was $276 million, an increase of $7.8 million, or 3 percent, from the prior quarter net interest income of $269 million and an increase of $68.8 million, or 33 percent, from the prior year second quarter net interest income of $208 million.

•The loan portfolio of $21.364 billion at June 30, 2026 increased $330 million, or 6 percent annualized, from the prior quarter.

•Total average deposits of $24.539 billion for the current quarter increased $113 million, or 2 percent annualized, from the prior quarter average deposits.

•The net interest margin as a percentage of earning assets, on a tax-equivalent basis, for the current quarter was 3.90 percent, an increase of 10 basis points from the prior quarter net interest margin of 3.80 percent and an increase of 69 basis points from the prior year second quarter net interest margin of 3.21 percent.

•The total earning assets yield of 5.14 percent in the current quarter increased 3 basis points from the prior quarter earning assets yield of 5.11 percent and increased 41 basis points from the prior year second quarter earning assets yield of 4.73 percent.

1 Represents a non-GAAP financial measure. Supplemental “Non-GAAP Financial Measures and Reconciliations” tables are provided to reconcile the most directly comparable financial measure calculated and presented in accordance with GAAP.

1

•The core deposit cost (including non-interest bearing deposits) of 1.18 percent in the current quarter decreased 2 basis points from the prior quarter core deposit cost of 1.20 percent and decreased 7 basis points from the prior year second quarter core deposit cost of 1.25 percent.

•The total cost of funding (including non-interest bearing deposits) of 1.33 percent in the current quarter decreased 7 basis points from the prior quarter total cost of funding of 1.40 percent and decreased 30 basis points from the prior year second quarter total cost of funding of 1.63 percent.

•The Company declared a quarterly dividend of $0.33 per share. The Company has declared 165 consecutive quarterly dividends and has increased the dividend 49 times.

First Half 2026 Highlights:

•Net income for the first half of 2026 was $180 million, an increase of $72.7 million, or 68 percent, from the prior year first half net income of $107 million.

•Diluted earnings per share for the first half of 2026 was $1.38 per share, an increase of $0.45 per share, or 48 percent, from the prior year first half diluted earnings per share of $0.93.

•Operating diluted earnings per share for the first half of 2026 was $1.45 per share, an increase of $0.41 per share, or 39 percent, from the prior year first half of 2025 operating diluted earnings per share of $1.04.

•Net interest income for the first half of 2026 was $545 million, an increase of $148 million, or 37 percent, from the prior year first half net interest income of $398 million.

•The loan portfolio increased $2.831 billion, or 15 percent, from the prior year second quarter.

•Total deposits increased $3.026 billion, or 14 percent, from the prior year second quarter.

•The net interest margin as a percentage of earning assets, on a tax-equivalent basis, for the first half of 2026 was 3.85 percent, an increase of 73 basis points from the prior year first half net interest margin of 3.12 percent.

•The Company completed the core system conversion of Guaranty Bancshares, Inc., the bank holding company for Guaranty Bank & Trust, N.A. (collectively, “Guaranty”). Guaranty was acquired on October 1, 2025 with total assets of $3.357 billion.

•Dividends declared in the first half of 2026 were $0.66 per share.

2

Financial Summary

At or for the Three Months endedAt or for the Six Months ended

(Dollars in thousands, except

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gbci-202601220000868671false00008686712026-01-222026-01-22

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 22, 2026

GLACIER BANCORP, INC.

(Exact name of registrant as specified in its charter)

Montana001-4117081-0519541 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

49 Commons LoopKalispell,Montana59901 (Address of principal executive offices)(Zip Code)

(406)756-4200 (Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $0.01 par valueGBCIThe New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On January 22, 2026, Glacier Bancorp, Inc. ("Company") issued a press release announcing its financial results for the quarter ended December 31, 2025. A copy of the press release is attached as Exhibit 99.1 and is incorporated herein in its entirety by reference.

The information in this Item 2.02 and the Exhibit attached hereto is furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such document or filing.

Item 9.01 FINANCIAL STATEMENTS AND EXHIBITS

(d)    Exhibits

99.1    Glacier Bancorp, Inc. Announces Results for the Quarter and Period Ended December 31, 2025

104    Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated:January 22, 2026GLACIER BANCORP, INC.

/s/ Randall M. Chesler By:Randall M. Chesler President and Chief Executive Officer