DDM Analysis: GBCI

Valuation Snapshot

Stable Growth	$45.91 - $112.94	$68.55
Multi-Stage	$33.69 - $36.72	$35.17
Blended Fair Value	$51.86
Current Price	$48.67
Upside	6.56%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	3.81%	11.41%	1.32	1.29	1.39	1.28	1.16	1.10	0.75	0.98	0.74	0.70
YoY Growth	-	-	2.28%	-6.89%	8.23%	10.89%	5.46%	45.59%	-23.48%	32.94%	5.77%	55.97%
Dividend Yield	-	-	2.99%	3.33%	3.30%	2.55%	2.03%	3.22%	1.84%	2.56%	2.18%	2.75%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	237.00
(-) Cash Dividends Paid (M)	151.83
(=) Cash Retained (M)	85.17

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	47.40	29.63	17.78
Cash Retained (M)	85.17	85.17	85.17
(-) Cash Required (M)	-47.40	-29.63	-17.78
(=) Excess Retained (M)	37.77	55.55	67.40
(/) Shares Outstanding (M)	113.53	113.53	113.53
(=) Excess Retained per Share	0.33	0.49	0.59
LTM Dividend per Share	1.34	1.34	1.34
(+) Excess Retained per Share	0.33	0.49	0.59
(=) Adjusted Dividend	1.67	1.83	1.93
WACC / Discount Rate	9.34%	9.34%	9.34%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$45.91	$68.55	$112.94
Upside / Downside	-5.67%	40.84%	132.06%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	237.00	252.41	268.81	286.29	304.90	324.71	334.46
Payout Ratio	64.06%	69.25%	74.44%	79.62%	84.81%	90.00%	92.50%
Projected Dividends (M)	151.83	174.79	200.10	227.96	258.59	292.24	309.37

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	9.34%	9.34%	9.34%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	158.36	159.86	161.37
Year 2 PV (M)	164.25	167.38	170.54
Year 3 PV (M)	169.53	174.40	179.36
Year 4 PV (M)	174.24	180.94	187.83
Year 5 PV (M)	178.40	187.02	195.97
PV of Terminal Value (M)	2,979.81	3,123.74	3,273.17
Equity Value (M)	3,824.59	3,993.33	4,168.23
Shares Outstanding (M)	113.53	113.53	113.53
Fair Value	$33.69	$35.17	$36.72
Upside / Downside	-30.78%	-27.73%	-24.56%

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SMU.SN	SMU S.A.	3.52%	$5.49	46.99%
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300360.SZ	Hangzhou Sunrise Technology Co., Ltd.	3.51%	$0.61	52.03%
5106.KL	Axis Real Estate Investment Trust	3.51%	$0.07	56.99%
601128.SS	Jiangsu Changshu Rural Commercial Bank Co., Ltd.	3.51%	$0.25	19.56%
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Glacier Bancorp, Inc. (GBCI)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener