$47.66

-0.14 (-0.29%)

Weekly Expected Move ±3.4%

$42 $44 $46 $47 $49

NYSE · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 58 · $6.2B mcap · 129M float · 0.731% daily turnover · Short 69% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NARROW EDGE

55.0 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 10.6% · 5Y Avg: 162.3%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. GBCI has a Narrow competitive edge (55.0/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Network Effects. ROIC of 10.6% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$54

Low

$57

Avg Target

$60

High

Based on 2 analysts since Apr 23, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 10Hold: 4Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$57.00

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-29	Stephens	—	$58	$54	-4	+9.2%	$49.45
2026-04-27	Piper Sandler	—	$59	$60	+1	+23.2%	$48.70
2026-02-11	Piper Sandler	Matthew Clark	$58	$59	+1	+13.6%	$51.94
2026-01-26	D.A. Davidson	—	$49	$58	+9	+21.1%	$47.89
2026-01-26	Stephens	—	$40	$58	+18	+21.6%	$47.70
2025-12-18	Piper Sandler	Matthew Clark	$50	$58	+8	+28.5%	$45.13
2025-10-20	Piper Sandler	Matthew Clark	$38	$50	+12	+13.8%	$43.93
2025-10-07	Raymond James	David Feaster	$45	$55	+10	+13.5%	$48.47
2025-04-28	Raymond James	—	$48	$45	-3	+10.0%	$40.91
2024-10-28	Truist Financial	Brandon Kiing	$50	$53	+3	+4.1%	$50.92
2024-10-02	Raymond James	David Feaster	Initiated	$48	—	+7.7%	$44.55
2024-08-13	Piper Sandler	Matthew Clark	Initiated	$38	—	-8.8%	$41.65
2024-07-22	D.A. Davidson	Jeffrey Rulis	Initiated	$49	—	+11.8%	$43.84
2024-04-23	Stephens	Andrew Terrell	Initiated	$40	—	+6.1%	$37.69
2023-02-01	Truist Financial	—	$58	$50	-8	+9.7%	$45.59
2022-09-14	Truist Financial	—	$53	$58	+5	+15.6%	$50.19
2022-06-15	Truist Financial	—	Initiated	$53	—	+14.9%	$46.11

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B-

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. GBCI receives an overall rating of B-. Strongest factors: DCF (4/5). Areas of concern: D/E (2/5), P/E (1/5), P/B (2/5).

Rating Change History

Date	From	To
2026-04-28	B	B-
2026-04-22	B+	B
2026-04-01	C+	B+
2026-03-04	B-	C+
2026-03-02	C+	B-
2026-02-20	B-	C+
2026-02-19	B	B-
2026-02-17	B-	B
2026-02-12	B	B-
2026-02-09	B-	B

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 61 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. GBCI scores highest in Momentum (97/100) and lowest in Balance Sheet (53/100). An overall grade of A+ places GBCI among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.76

Grey Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

149.04

Possible Manipulator

Ohlson O-Score

-7.15

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

A-

Score: 68.3/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.54x

Accruals: -0.5%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. GBCI scores 2.76, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. GBCI scores 8/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. GBCI's score of 149.04 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. GBCI's implied 0.1% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. GBCI receives an estimated rating of A- (score: 68.3/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). GBCI's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

23.25x

PEG

1.39x

P/S

4.11x

P/B

1.46x

P/FCF

15.86x

P/OCF

14.09x

EV/EBITDA

11.11x

EV/Revenue

2.88x

EV/EBIT

11.98x

EV/FCF

11.93x

Earnings Yield

4.62%

FCF Yield

6.31%

Shareholder Yield

2.82%

Graham Number

$38.60

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 23.2x earnings, GBCI commands a growth premium. Graham's intrinsic value formula yields $38.60 per share, 23% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.815

NI / EBT

Interest Burden

0.902

EBT / EBIT

EBIT Margin

0.240

EBIT / Rev

Asset Turnover

0.050

Rev / Assets

Equity Multiplier

8.051

Assets / Equity

ROE

7.2%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. GBCI's ROE of 7.2% is driven by financial leverage (equity multiplier: 8.05x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

9.59%

Fair P/E

27.68x

Intrinsic Value

$56.66

Price/Value

0.78x

Margin of Safety

21.73%

Premium

-21.73%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with GBCI's realized 9.6% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $56.66, GBCI appears undervalued with a 22% margin of safety. The adjusted fair P/E of 27.7x compares to the current market P/E of 23.2x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$47.67

Median 1Y

$46.91

5th Pctile

$25.30

95th Pctile

$86.88

Ann. Volatility

38.4%

Analyst Target

$57.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Randall M. Chesler, President and CEO	$1,039,860	$1,363,947	$3,661,972
Ron J. Copher, EVP, CFO, and Secretary	$525,370	$364,108	$1,372,555
Lee K. Groom, EVP and CXO	$342,000	$158,509	$699,930
Ryan T. Screnar, EVP and CAO	$342,000	$158,509	$696,620
Don J. Chery, EVP and CAO	$59,365	$327,034	$611,859

CEO Pay Ratio

34:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $3,661,972

Avg Employee Cost (SGA/emp): $108,326

Employees: 4,188

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

4,188

+16.5% YoY

Revenue / Employee

$340,386

Rev: $1,425,537,000

Profit / Employee

$57,074

NI: $239,028,000

SGA / Employee

$108,326

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	14.9%	14.8%	10.4%	9.9%	9.9%	10.0%	10.1%	9.9%	9.1%	8.2%	7.6%	6.6%	6.3%	6.2%	6.1%	6.8%	7.1%	7.6%	6.4%	7.2%	7.17%
ROA	2.0%	2.0%	1.3%	1.2%	1.2%	1.2%	1.2%	1.1%	1.0%	0.9%	0.8%	0.7%	0.7%	0.7%	0.7%	0.8%	0.8%	0.9%	0.8%	0.9%	0.89%
ROIC	-12.8%	-12.7%	-5.4%	-5.2%	-5.2%	-5.2%	3.4%	3.3%	3.1%	2.8%	16.9%	14.7%	13.9%	13.8%	7.7%	8.6%	8.9%	9.6%	9.6%	10.6%	10.63%
ROCE	14.6%	14.4%	9.7%	9.2%	9.2%	9.3%	7.3%	7.1%	6.6%	6.0%	4.3%	3.7%	3.5%	3.5%	4.1%	4.6%	4.8%	5.2%	1.0%	1.1%	1.14%
Gross Margin	1.0%	97.6%	85.1%	94.6%	97.9%	92.8%	89.1%	79.9%	71.3%	65.1%	63.1%	60.1%	63.2%	63.1%	64.6%	66.0%	64.0%	70.2%	74.2%	75.1%	75.08%
Operating Margin	50.1%	46.7%	26.9%	37.1%	41.9%	40.5%	39.2%	28.9%	24.9%	22.1%	20.8%	12.0%	18.0%	19.5%	22.8%	20.0%	19.4%	23.7%	27.1%	25.0%	25.03%
Net Margin	40.3%	38.1%	22.8%	30.8%	34.2%	33.0%	32.0%	24.0%	20.2%	18.1%	18.2%	10.7%	14.8%	16.0%	19.2%	17.2%	15.7%	18.8%	15.4%	20.5%	20.53%
EBITDA Margin	54.1%	50.3%	31.0%	41.0%	45.9%	44.4%	43.0%	32.5%	28.3%	25.3%	24.0%	15.2%	21.4%	22.9%	26.2%	23.4%	22.9%	26.9%	28.3%	25.0%	25.03%
FCF Margin	41.1%	60.2%	69.2%	58.8%	55.1%	53.3%	47.9%	47.8%	43.6%	40.0%	40.5%	25.6%	20.1%	21.9%	16.8%	25.4%	26.9%	23.4%	23.6%	24.1%	24.14%
OCF Margin	42.0%	61.2%	70.4%	60.2%	57.6%	55.7%	50.4%	50.7%	46.6%	44.0%	44.9%	29.7%	24.1%	25.2%	20.7%	29.2%	30.2%	26.4%	26.3%	27.2%	27.16%
ROE 3Y Avg	snapshot only																				6.45%
ROE 5Y Avg	snapshot only																				7.66%
ROA 3Y Avg	snapshot only																				0.76%
ROIC Economic	snapshot only																				4.18%
Cash ROA	snapshot only																				1.28%
Cash ROIC	snapshot only																				14.73%
CROIC	snapshot only																				13.09%
NOPAT Margin	snapshot only																				19.60%
Pretax Margin	snapshot only																				21.67%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				31.97%
SBC / Revenue	snapshot only																				0.55%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	14.31	14.56	19.40	18.06	17.23	17.74	16.34	14.20	11.45	11.73	19.33	21.94	21.81	27.17	29.07	22.96	21.74	22.98	23.98	21.67	23.249
P/S Ratio	5.58	5.71	6.80	5.88	5.39	5.36	5.31	4.35	3.10	2.73	3.86	3.66	3.37	4.07	4.44	3.87	3.70	4.08	4.02	3.83	4.111
P/B Ratio	1.97	1.99	1.74	1.54	1.47	1.53	1.74	1.48	1.11	1.02	1.43	1.41	1.33	1.64	1.71	1.51	1.48	1.69	1.36	1.37	1.459
P/FCF	13.56	9.48	9.82	10.00	9.78	10.06	11.07	9.10	7.11	6.83	9.55	14.31	16.73	18.59	26.35	15.22	13.74	17.45	17.03	15.86	15.856
P/OCF	13.29	9.33	9.66	9.76	9.35	9.62	10.53	8.59	6.65	6.20	8.61	12.33	13.98	16.16	21.42	13.26	12.25	15.43	15.31	14.09	14.094
EV/EBITDA	-0.57	-0.46	-7.57	-9.64	-10.37	-9.62	5.41	3.65	1.06	0.47	8.57	9.57	9.06	12.80	17.79	13.88	13.06	14.10	11.78	11.11	11.114
EV/Revenue	-0.30	-0.24	-3.55	-4.20	-4.33	-3.91	2.36	1.51	0.39	0.15	2.34	2.20	1.94	2.67	3.83	3.26	3.11	3.51	3.02	2.88	2.879
EV/EBIT	-0.62	-0.50	-8.27	-10.60	-11.45	-10.66	5.94	4.03	1.18	0.52	9.76	11.14	10.68	15.20	21.06	16.22	15.22	16.30	13.20	11.98	11.983
EV/FCF	-0.73	-0.40	-5.13	-7.13	-7.87	-7.34	4.92	3.15	0.90	0.37	5.78	8.61	9.65	12.23	22.72	12.84	11.56	15.01	12.77	11.93	11.927
Earnings Yield	7.0%	6.9%	5.2%	5.5%	5.8%	5.6%	6.1%	7.0%	8.7%	8.5%	5.2%	4.6%	4.6%	3.7%	3.4%	4.4%	4.6%	4.4%	4.2%	4.6%	4.62%
FCF Yield	7.4%	10.6%	10.2%	10.0%	10.2%	9.9%	9.0%	11.0%	14.1%	14.7%	10.5%	7.0%	6.0%	5.4%	3.8%	6.6%	7.3%	5.7%	5.9%	6.3%	6.31%
PEG Ratio	snapshot only																				1.395
Price/Tangible Book	snapshot only																				2.116
EV/OCF	snapshot only																				10.602
EV/Gross Profit	snapshot only																				4.044
Acquirers Multiple	snapshot only																				11.983
Shareholder Yield	snapshot only																				2.82%
Graham Number	snapshot only																				$38.60

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.38	0.38	0.43	0.43	0.43	0.43	0.27	0.27	0.27	0.27	0.29	0.29	0.29	0.29	0.21	0.21	0.21	0.21	307.57	307.57	307.573
Quick Ratio	0.38	0.38	0.43	0.43	0.43	0.43	0.27	0.27	0.27	0.27	0.29	0.29	0.29	0.29	0.21	0.21	0.21	0.21	307.57	307.57	307.573
Debt/Equity	0.51	0.51	0.38	0.38	0.38	0.38	1.04	1.04	1.04	1.04	1.47	1.47	1.47	1.47	1.18	1.18	1.18	1.18	0.69	0.69	0.688
Net Debt/Equity	-2.08	-2.08	-2.65	-2.65	-2.65	-2.65	-0.97	-0.97	-0.97	-0.97	-0.56	-0.56	-0.56	-0.56	-0.24	-0.24	-0.24	-0.24	-0.34	-0.34	-0.340
Debt/Assets	0.06	0.06	0.05	0.05	0.05	0.05	0.11	0.11	0.11	0.11	0.16	0.16	0.16	0.16	0.14	0.14	0.14	0.14	0.09	0.09	0.091
Debt/EBITDA	2.77	2.80	3.14	3.30	3.31	3.25	7.27	7.40	7.91	8.69	14.57	16.57	17.37	17.41	14.16	12.82	12.31	11.42	7.94	7.41	7.412
Net Debt/EBITDA	-11.27	-11.39	-22.07	-23.15	-23.25	-22.81	-6.77	-6.90	-7.37	-8.10	-5.57	-6.34	-6.64	-6.66	-2.84	-2.57	-2.47	-2.29	-3.92	-3.66	-3.662
Interest Coverage	18.90	20.62	18.80	17.60	15.99	13.08	8.97	4.42	2.22	1.26	0.82	0.59	0.51	0.49	0.52	0.60	0.64	0.71	0.80	0.91	0.905
Equity Multiplier	8.02	8.02	8.16	8.16	8.16	8.16	9.37	9.37	9.37	9.37	9.19	9.19	9.19	9.19	8.66	8.66	8.66	8.66	7.59	7.59	7.589
Cash Ratio	snapshot only																				53.002
Debt Service Coverage	snapshot only																				0.976
Cash to Debt	snapshot only																				1.494
FCF to Debt	snapshot only																				0.126
Defensive Interval	snapshot only																				12880.6 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.050
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover (trade)	12.40	12.25	10.68	10.97	11.37	11.93	11.65	12.08	12.69	13.31	12.53	13.07	13.40	13.72	12.85	12.99	13.34	13.77	0.14	0.14	0.144
Payables Turnover	5.27	3.66	14.57	17.09	19.14	23.53	18.17	29.79	51.60	76.52	5.23	6.31	6.81	7.06	5.81	5.64	5.77	5.64	26.32	25.84	25.841
DSO (trade)	29	30	34	33	32	31	31	30	29	27	29	28	27	27	28	28	27	27	2675	2527	2526.8 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	69	100	25	21	19	16	20	12	7	5	70	58	54	52	63	65	63	65	14	14	14.1 days
Cash Conversion Cycle (trade)	-40	-70	9	12	13	15	11	18	22	23	-41	-30	-26	-25	-34	-37	-36	-38	2661	2513	2512.7 days
Fixed Asset Turnover	snapshot only																				2.686
Cash Velocity	snapshot only																				0.349
Capital Intensity	snapshot only																				21.193

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	15.1%	7.8%	2.5%	2.1%	6.1%	12.6%	14.8%	16.0%	17.4%	17.5%	19.5%	20.2%	17.4%	14.6%	11.6%	8.1%	8.3%	9.3%	14.5%	19.9%	19.89%
Net Income	47.4%	30.6%	6.9%	-10.6%	-14.9%	-13.2%	6.5%	9.2%	1.7%	-9.5%	-26.5%	-34.5%	-33.1%	-26.4%	-14.7%	9.1%	19.6%	29.7%	25.7%	25.7%	25.71%
EPS	47.1%	30.4%	-7.9%	-22.9%	-26.6%	-25.1%	6.4%	9.1%	1.7%	-9.5%	-26.5%	-35.5%	-34.6%	-28.1%	-16.6%	8.2%	19.4%	29.6%	9.6%	9.6%	9.59%
FCF	24.9%	1.3%	2.2%	64.1%	42.0%	-0.4%	-20.5%	-5.7%	-7.1%	-11.7%	0.9%	-35.6%	-45.8%	-37.4%	-53.5%	7.4%	45.1%	16.9%	60.5%	13.9%	13.86%
EBITDA	44.8%	28.6%	6.2%	-10.6%	-15.0%	-12.4%	6.8%	9.9%	3.3%	-7.8%	-25.1%	-32.9%	-31.6%	-25.0%	-12.1%	10.4%	20.5%	30.3%	36.2%	32.1%	32.07%
Op. Income	49.2%	31.5%	6.5%	-11.8%	-16.8%	-14.7%	6.0%	9.4%	2.4%	-9.0%	-27.7%	-36.4%	-35.5%	-29.1%	-15.4%	10.0%	21.9%	33.7%	44.0%	43.1%	43.08%
OCF Growth	snapshot only																				11.61%
Asset Growth	snapshot only																				14.60%
Equity Growth	snapshot only																				30.71%
Debt Growth	snapshot only																				-23.62%
Shares Change	snapshot only																				14.70%
Dividend Growth	snapshot only																				8.41%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	16.2%	13.7%	12.0%	11.4%	12.0%	12.8%	12.7%	12.8%	12.8%	12.6%	12.1%	12.5%	13.5%	14.9%	15.3%	14.7%	14.3%	13.7%	15.2%	15.9%	15.95%
Revenue 5Y	14.0%	13.3%	13.1%	13.5%	13.8%	14.2%	14.5%	14.5%	14.4%	14.2%	14.1%	14.1%	14.1%	14.1%	13.8%	13.3%	12.8%	12.3%	12.5%	13.1%	13.05%
EPS 3Y	27.9%	23.8%	6.1%	2.5%	1.5%	3.3%	6.3%	6.8%	3.2%	-4.1%	-10.4%	-18.4%	-21.3%	-21.3%	-13.3%	-8.7%	-7.4%	-5.5%	-12.4%	-8.5%	-8.53%
EPS 5Y	16.5%	16.1%	10.2%	8.7%	8.3%	7.8%	12.9%	11.8%	9.3%	5.2%	-1.3%	-5.4%	-7.0%	-6.4%	-6.0%	-3.2%	-3.0%	-3.8%	-8.0%	-8.4%	-8.43%
Net Income 3Y	33.3%	29.0%	16.1%	12.2%	10.5%	10.6%	12.9%	13.2%	8.4%	0.9%	-5.8%	-13.8%	-16.7%	-16.7%	-12.6%	-7.9%	-6.6%	-4.7%	-7.6%	-3.5%	-3.49%
Net Income 5Y	21.9%	21.4%	18.6%	17.0%	16.3%	15.7%	21.1%	19.1%	15.4%	11.0%	4.2%	0.2%	-1.7%	-2.1%	-2.0%	0.7%	0.4%	-0.4%	-2.1%	-2.6%	-2.58%
EBITDA 3Y	25.7%	22.7%	15.9%	11.8%	10.0%	10.1%	12.4%	12.6%	8.3%	1.3%	-5.3%	-13.0%	-15.6%	-15.4%	-11.1%	-6.6%	-5.2%	-3.4%	-3.5%	-0.7%	-0.70%
EBITDA 5Y	19.6%	19.0%	16.3%	14.9%	14.2%	13.9%	15.5%	14.3%	11.8%	8.4%	4.5%	0.6%	-1.2%	-1.6%	-1.3%	1.2%	1.0%	0.3%	0.3%	-0.8%	-0.78%
Gross Profit 3Y	18.6%	16.2%	13.1%	12.3%	12.5%	12.7%	12.7%	12.2%	9.8%	6.2%	2.3%	-0.8%	-1.9%	-1.3%	0.5%	1.0%	0.9%	1.7%	4.1%	7.4%	7.39%
Gross Profit 5Y	15.1%	14.6%	13.7%	13.9%	14.2%	14.5%	14.9%	14.0%	12.1%	9.9%	7.8%	6.3%	5.6%	5.4%	5.1%	5.6%	5.5%	5.5%	6.3%	6.9%	6.87%
Op. Income 3Y	26.4%	23.5%	16.3%	11.9%	9.9%	9.9%	12.6%	12.9%	8.4%	0.7%	-6.6%	-15.0%	-18.1%	-18.0%	-13.5%	-8.5%	-6.9%	-4.8%	-4.2%	0.0%	0.04%
Op. Income 5Y	20.4%	19.8%	16.8%	15.1%	14.3%	13.7%	15.4%	14.1%	11.5%	7.9%	3.8%	-0.5%	-2.6%	-3.0%	-2.7%	0.2%	0.0%	-0.6%	-0.1%	-0.7%	-0.69%
FCF 3Y	18.6%	28.8%	29.0%	23.3%	24.3%	32.3%	28.6%	34.0%	18.1%	25.5%	36.4%	-0.1%	-10.6%	-18.0%	-28.0%	-13.3%	-9.9%	-13.6%	-9.0%	-7.7%	-7.68%
FCF 5Y	19.4%	26.3%	25.2%	17.4%	12.9%	15.8%	12.8%	18.8%	17.1%	13.4%	11.5%	2.6%	-0.7%	5.1%	-0.0%	10.7%	5.3%	7.7%	13.6%	4.0%	4.02%
OCF 3Y	16.4%	26.5%	26.8%	21.7%	23.1%	30.5%	27.6%	33.5%	19.4%	27.6%	38.2%	3.5%	-5.7%	-14.6%	-23.3%	-9.9%	-7.8%	-11.3%	-7.3%	-5.8%	-5.81%
OCF 5Y	17.3%	24.3%	24.5%	17.1%	13.2%	16.0%	13.1%	18.6%	16.9%	14.0%	12.3%	4.4%	1.5%	6.2%	2.6%	12.2%	7.0%	9.3%	14.6%	5.6%	5.64%
Assets 3Y	24.0%	24.0%	28.9%	28.9%	28.9%	28.9%	24.9%	24.9%	24.9%	24.9%	14.5%	14.5%	14.5%	14.5%	2.5%	2.5%	2.5%	2.5%	6.3%	6.3%	6.28%
Assets 5Y	15.3%	15.3%	22.4%	22.4%	22.4%	22.4%	22.4%	22.4%	22.4%	22.4%	18.0%	18.0%	18.0%	18.0%	15.3%	15.3%	15.3%	15.3%	11.6%	11.6%	11.56%
Equity 3Y	24.4%	24.4%	28.0%	28.0%	28.0%	28.0%	13.2%	13.2%	13.2%	13.2%	9.4%	9.4%	9.4%	9.4%	0.5%	0.5%	0.5%	0.5%	14.0%	14.0%	14.01%
Book Value 3Y	19.4%	19.4%	17.0%	17.0%	17.6%	19.6%	6.5%	6.9%	7.7%	7.7%	4.1%	3.6%	3.3%	3.3%	-0.3%	-0.3%	-0.3%	-0.3%	8.1%	8.1%	8.06%
Dividend 3Y	-2.5%	-2.9%	-5.4%	-5.1%	-3.6%	-1.3%	-3.4%	-4.6%	-5.5%	-6.7%	-7.1%	-5.3%	-5.3%	-5.2%	-0.0%	-0.1%	-0.2%	-0.0%	-2.6%	-2.6%	-2.64%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.97	0.98	0.97	0.97	0.99	1.00	0.98	0.98	0.99	0.98	0.95	0.95	0.96	0.98	0.97	0.97	0.98	0.98	0.96	0.95	0.950
Earnings Stability	0.87	0.93	0.95	0.87	0.84	0.87	0.95	0.83	0.69	0.53	0.32	0.07	0.00	0.02	0.06	0.08	0.17	0.30	0.41	0.31	0.312
Margin Stability	0.97	0.97	0.99	0.99	0.97	0.97	0.98	0.98	0.94	0.91	0.88	0.86	0.84	0.82	0.81	0.81	0.82	0.82	0.82	0.82	0.815
Rev. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	1.00	1.00	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.81	0.88	0.97	0.96	0.94	0.95	0.97	0.96	0.99	0.96	0.89	0.86	0.87	0.89	0.94	0.96	0.92	0.88	0.90	0.90	0.897
Earnings Smoothness	0.62	0.73	0.93	0.89	0.84	0.86	0.94	0.91	0.98	0.90	0.69	0.58	0.60	0.70	0.84	0.91	0.82	0.74	0.77	0.77	0.772
ROE Trend	0.02	0.01	-0.02	-0.03	-0.04	-0.04	0.00	-0.00	-0.01	-0.02	-0.02	-0.03	-0.03	-0.03	-0.03	-0.02	-0.01	-0.00	-0.01	-0.00	-0.002
Gross Margin Trend	0.06	0.07	0.03	0.01	0.00	-0.02	0.00	-0.05	-0.13	-0.20	-0.25	-0.27	-0.25	-0.22	-0.19	-0.13	-0.08	-0.03	0.03	0.07	0.067
FCF Margin Trend	0.02	0.29	0.42	0.26	0.16	0.09	0.02	0.00	-0.05	-0.17	-0.18	-0.28	-0.29	-0.25	-0.27	-0.11	-0.05	-0.08	-0.05	-0.01	-0.014
Sustainable Growth Rate	8.9%	8.6%	5.1%	4.7%	4.4%	4.3%	4.8%	5.0%	4.3%	3.4%	2.6%	1.6%	1.2%	1.2%	1.3%	2.0%	2.2%	2.7%	2.1%	2.8%	2.79%
Internal Growth Rate	1.2%	1.2%	0.6%	0.6%	0.5%	0.5%	0.6%	0.6%	0.5%	0.4%	0.3%	0.2%	0.1%	0.1%	0.1%	0.2%	0.3%	0.3%	0.3%	0.3%	0.35%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.08	1.56	2.01	1.85	1.84	1.84	1.55	1.65	1.72	1.89	2.25	1.78	1.56	1.68	1.36	1.73	1.77	1.49	1.57	1.54	1.537
FCF/OCF	0.98	0.98	0.98	0.98	0.96	0.96	0.95	0.94	0.93	0.91	0.90	0.86	0.84	0.87	0.81	0.87	0.89	0.88	0.90	0.89	0.889
FCF/Net Income	snapshot only																				1.366
OCF/EBITDA	snapshot only																				1.048
CapEx/Revenue	0.8%	1.0%	1.2%	1.4%	2.6%	2.4%	2.5%	2.8%	3.0%	4.0%	4.4%	4.1%	4.0%	3.3%	3.9%	3.8%	3.3%	3.1%	2.6%	3.0%	3.02%
CapEx/Depreciation	snapshot only																				1.607
Accruals Ratio	-0.00	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.00	-0.00	-0.00	-0.01	-0.01	-0.00	-0.00	-0.00	-0.005
Sloan Accruals	snapshot only																				1.427
Cash Flow Adequacy	snapshot only																				1.968
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	2.8%	2.9%	2.6%	2.9%	3.2%	3.2%	3.2%	3.5%	4.7%	5.0%	3.4%	3.4%	3.7%	3.0%	2.7%	3.1%	3.1%	2.8%	2.8%	2.8%	2.77%
Dividend/Share	$1.35	$1.38	$1.31	$1.28	$1.35	$1.40	$1.42	$1.32	$1.32	$1.32	$1.32	$1.30	$1.30	$1.31	$1.32	$1.32	$1.32	$1.34	$1.25	$1.25	$1.32
Payout Ratio	40.6%	41.8%	51.1%	52.4%	55.2%	56.6%	52.0%	49.4%	53.3%	59.0%	65.8%	75.5%	80.1%	81.2%	78.9%	70.8%	68.2%	64.1%	68.1%	61.0%	61.03%
FCF Payout Ratio	38.5%	27.2%	25.9%	29.0%	31.3%	32.1%	35.2%	31.7%	33.1%	34.4%	32.5%	49.2%	61.5%	55.5%	71.5%	46.9%	43.1%	48.6%	48.3%	44.7%	44.66%
Total Payout Ratio	40.6%	41.8%	51.1%	52.4%	55.2%	56.6%	52.0%	49.4%	53.3%	59.0%	65.8%	75.5%	80.1%	81.2%	78.9%	71.9%	69.3%	65.1%	69.1%	61.1%	61.07%
Div. Increase Streak	1	1	1	1	1	1	1	1	0	0	0	1	0	0	0	1	1	1	1	1	1
Chowder Number	0.08	0.06	0.14	0.15	0.19	0.21	0.11	0.06	0.03	-0.01	-0.03	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.11	0.11	0.112
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%	0.0%	-0.0%	-0.0%	-0.0%	-0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.0%	0.0%	-0.0%	-0.04%
Total Shareholder Return	2.8%	2.9%	2.6%	2.9%	3.2%	3.2%	3.2%	3.5%	4.6%	5.0%	3.4%	3.4%	3.7%	3.0%	2.7%	3.1%	3.2%	2.8%	2.9%	2.8%	2.78%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.81	0.81	0.81	0.82	0.82	0.82	0.82	0.82	0.82	0.82	0.83	0.84	0.85	0.85	0.84	0.84	0.83	0.82	0.82	0.82	0.815
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.89	0.90	0.902
EBIT Margin	0.48	0.48	0.43	0.40	0.38	0.37	0.40	0.37	0.33	0.28	0.24	0.20	0.18	0.18	0.18	0.20	0.20	0.22	0.23	0.24	0.240
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.050
Equity Multiplier	7.54	7.54	8.10	8.10	8.10	8.10	8.73	8.73	8.73	8.73	9.27	9.27	9.27	9.27	8.91	8.91	8.91	8.91	8.05	8.05	8.051

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$3.33	$3.30	$2.57	$2.45	$2.44	$2.47	$2.73	$2.68	$2.48	$2.24	$2.01	$1.73	$1.62	$1.61	$1.68	$1.87	$1.94	$2.09	$1.84	$2.05	$2.05
Book Value/Share	$24.14	$24.14	$28.68	$28.68	$28.68	$28.67	$25.64	$25.64	$25.64	$25.64	$27.23	$26.83	$26.63	$26.62	$28.41	$28.39	$28.39	$28.39	$32.38	$32.35	$32.67
Tangible Book/Share	$18.18	$18.18	$19.32	$19.31	$19.31	$19.31	$16.38	$16.38	$16.38	$16.38	$18.06	$17.80	$17.66	$17.65	$18.69	$18.68	$18.68	$18.68	$20.98	$20.96	$20.96
Revenue/Share	$8.53	$8.43	$7.34	$7.53	$7.81	$8.19	$8.42	$8.73	$9.17	$9.61	$10.06	$10.34	$10.52	$10.76	$10.97	$11.08	$11.38	$11.75	$10.95	$11.59	$11.60
FCF/Share	$3.51	$5.08	$5.08	$4.43	$4.30	$4.36	$4.04	$4.18	$3.99	$3.85	$4.07	$2.65	$2.12	$2.35	$1.85	$2.82	$3.07	$2.75	$2.59	$2.80	$2.80
OCF/Share	$3.58	$5.16	$5.16	$4.54	$4.50	$4.56	$4.25	$4.42	$4.27	$4.23	$4.51	$3.07	$2.53	$2.71	$2.27	$3.23	$3.44	$3.11	$2.88	$3.15	$3.15
Cash/Share	$62.47	$62.47	$86.73	$86.72	$86.72	$86.69	$51.49	$51.49	$51.49	$51.49	$55.36	$54.55	$54.14	$54.11	$40.14	$40.11	$40.11	$40.11	$33.26	$33.24	$61.74
EBITDA/Share	$4.45	$4.40	$3.44	$3.28	$3.26	$3.33	$3.67	$3.60	$3.37	$3.07	$2.75	$2.38	$2.25	$2.25	$2.36	$2.61	$2.71	$2.93	$2.80	$3.00	$3.00
Debt/Share	$12.32	$12.32	$10.81	$10.81	$10.81	$10.80	$26.66	$26.66	$26.66	$26.66	$40.05	$39.46	$39.16	$39.14	$33.43	$33.41	$33.41	$33.41	$22.26	$22.25	$22.25
Net Debt/Share	$-50.15	$-50.15	$-75.92	$-75.91	$-75.92	$-75.89	$-24.83	$-24.83	$-24.83	$-24.83	$-15.32	$-15.09	$-14.98	$-14.97	$-6.70	$-6.70	$-6.70	$-6.70	$-11.00	$-10.99	$-10.99

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.760
Altman Z-Prime	snapshot only																				5.550
Piotroski F-Score	7	7	5	5	5	5	7	6	6	5	6	6	6	6	6	7	7	7	8	8	8
Beneish M-Score	-2.22	-2.19	-2.39	-2.42	-2.43	-2.39	-2.35	-2.21	-2.08	-2.06	-2.13	-2.18	-2.30	-2.36	-2.42	-2.48	-2.43	-2.50	146.79	149.04	149.044
Ohlson O-Score	snapshot only																				-7.155
ROIC (Greenblatt)	snapshot only																				1.42%
Net-Net WC	snapshot only																				$-20.29
EVA	snapshot only																				$17446112.42

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				A-
Credit Score	79.22	91.07	86.06	83.61	83.81	86.86	58.43	55.92	55.84	54.25	50.78	47.91	47.58	47.61	49.24	49.20	49.40	49.14	67.90	68.34	68.343
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				19.143
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				59
Sector Credit Rank	snapshot only																				58

GBCI NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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