Glacier Bancorp vs Home BancShares

Glacier Bancorp and Home BancShares are compared on this page, examining their business models, financial performance, and market context. The analysis uses neutral, accessible language to help readers understand similarities and differences. The page presents data and context without advocacy or recommendations. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

GBCI

Metric

HOMB

$6.10B

Market Cap

$5.60B

8.38%

Potential Profit

12.94%

Buy

Analyst Rating

Buy

Investment Analysis

Glacier Bancorp

GBCI

Pros

Glacier Bancorp is demonstrating strong revenue growth and improved net interest margin, driven by loan portfolio expansion and effective capital deployment.
Recent acquisitions in Texas and Idaho enhance geographic diversification and provide a platform for future growth in attractive markets.
The bank maintains a long history of dividend reliability, having paid 161 consecutive quarterly dividends with notable increases over time.

Considerations

Glacier Bancorp’s valuation multiples are significantly higher than sector averages, potentially limiting near-term upside and increasing relative risk.
Integration risks persist following recent acquisitions, with operational disruptions or unforeseen costs possible as new markets are absorbed.
Net income is still being impacted by one-time acquisition expenses, which may temporarily obscure underlying profit trends.

Home BancShares

HOMB

Pros

Home BancShares operates with a disciplined acquisition strategy, contributing to steady regional market growth and operational scale.
The company maintains a strong deposit base and liquidity profile, supporting resilience during economic downturns or funding stress.
Home BancShares has a reputation for efficient cost management, which bolsters profitability even in a challenging interest rate environment.

Considerations

Home BancShares’ growth is increasingly dependent on mergers and acquisitions, exposing it to execution risks and integration challenges.
The bank’s geographical concentration in the South-Central U.S. limits diversification and could heighten exposure to regional economic downturns.
Net interest margin compression has been an issue due to rising funding costs, potentially constraining future earnings growth.

About The Companies

Glacier Bancorp (GBCI)

Glacier Bancorp, Inc. is a regional bank holding company that acts as the parent for Glacier Bank and its various bank divisions. Operating across several states including Montana, Idaho, Utah, and Washington, the company provides a comprehensive suite of banking services. It caters to a diverse client base of individuals, small to medium-sized businesses, and community organisations. The services on offer include retail and business banking, various types of loans (real estate, commercial, and consumer), mortgage origination, and loan servicing. By operating through distinct bank divisions, each with a local focus, Glacier Bancorp aims to serve the specific needs of the communities it operates in. This structure allows it to maintain a community bank feel while benefiting from the resources of a larger holding company. As with any investment, past performance is not indicative of future results.

Home BancShares (HOMB)

Home Bancshares, Inc. (HOMB) is a US regional bank holding company that operates the Arvest Bank franchise across several Midwestern and Southern states. With a market capitalisation of about $5.35 billion, it focuses on commercial and consumer lending, deposit gathering and fee-based services for local businesses and households. Growth has historically come from both organic lending activity and acquisitions, which can widen geographic reach but also add integration and credit risk. HOMB’s earnings are sensitive to interest-rate moves, loan credit quality and local economic conditions. The company typically pays a dividend, but payouts depend on earnings, capital needs and regulatory constraints. This summary is for educational purposes only and not personalised financial advice; it is important to assess your own objectives, timeframe and risk tolerance before considering any investment. Returns are not guaranteed and share prices can fall as well as rise.

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Comparison Snapshot