Glacier Bancorp (GBCI) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended September 2025, Glacier Bancorp (GBCI) reported revenue of $260.73 million, up 21.3% over the same period last year. EPS came in at $0.62, compared to $0.45 in the year-ago quarter.The reported revenue represents a surprise of +1.43% over the Zacks Consensus Estimate of $257.05 million. With the consensus EPS estimate being $0.61, the EPS surprise was +1.64%.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: 62.1% compared to the 61.4% average estimate based on three analysts.Net interest margin (tax-equivalent): 3.4% versus the three-analyst average estimate of 3.4%.Net charge-offs as a percentage of total loans: 0% versus the three-analyst average estimate of 0.1%.Non-accrual loans: $45.45 million versus $39.57 million estimated by two analysts on average.Total non-performing assets: $54.31 million versus the two-analyst average estimate of $47.99 million.Average Balances - Total earning assets: $26.82 billion versus the two-analyst average estimate of $26.86 billion.Total Non-Interest Income: $35.35 million versus the three-analyst average estimate of $34.36 million.Net Interest Income: $225.38 million versus $222.42 million estimated by three analysts on average.Gain on sale of loans: $5.03 million versus $5.16 million estimated by two analysts on average.Net interest income (tax-equivalent): $228.84 million versus the two-analyst average estimate of $227.81 million.View all Key Company Metrics for Glacier Bancorp here>>>Shares of Glacier Bancorp have returned -0.4% over the past month versus the Zacks S&P 500 composite's +0.9% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.Free Report: Profiting from the 2nd Wave of AI ExplosionThe next phase of the AI explosion is poised to create significant wealth for investors, especially those who get in early. It will add literally trillion of dollars to the economy and revolutionize nearly every part of our lives.Investors who bought shares like Nvidia at the right time have had a shot at huge gains.But the rocket ride in the "first wave" of AI stocks may soon come to an end. The sharp upward trajectory of these stocks will begin to level off, leaving exponential growth to a new wave of cutting-edge companies.Zacks' AI Boom 2.0: The Second Wave report reveals 4 under-the-radar companies that may soon be shining stars of AI’s next leap forward.Access AI Boom 2.0 now, absolutely free >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Glacier Bancorp, Inc. (GBCI): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks