Glacier Bancorp (NYSE:GBCI) versus Northpointe Bancshares (NYSE:NPB) Critical Review

Glacier Bancorp (NYSE:GBCI) and Northpointe Bancshares (NYSE:NPB) are both financial services companies, but which is the better investment? We will contrast the two businesses based on the strength of their institutional ownership, profitability, earnings, valuation, risk, dividends and analyst recommendations.

Institutional & Insider Ownership

80.2% of Glacier Bancorp shares are owned by institutional investors. 0.5% of Glacier Bancorp shares are owned by company insiders. Comparatively, 18.4% of Northpointe Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Dividends

Glacier Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 3.2%. Northpointe Bancshares pays an annual dividend of $0.10 per share and has a dividend yield of 0.8%. Glacier Bancorp pays out 71.0% of its earnings in the form of a dividend.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Glacier Bancorp and Northpointe Bancshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Glacier Bancorp	0	0	0	0	0.00
Northpointe Bancshares	0	0	2	0	3.00

Northpointe Bancshares has a consensus target price of $17.25, indicating a potential upside of 31.18%. Given Northpointe Bancshares’ stronger consensus rating and higher possible upside, analysts plainly believe Northpointe Bancshares is more favorable than Glacier Bancorp.

Earnings & Valuation

This table compares Glacier Bancorp and Northpointe Bancshares”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Glacier Bancorp	$836.32 million	5.68	$211.14 million	$1.86	22.49
Northpointe Bancshares	$196.56 million	2.30	N/A	N/A	N/A

Glacier Bancorp has higher revenue and earnings than Northpointe Bancshares.

Profitability

This table compares Glacier Bancorp and Northpointe Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Glacier Bancorp	N/A	N/A	N/A
Northpointe Bancshares	N/A	N/A	N/A

Summary

Northpointe Bancshares beats Glacier Bancorp on 5 of the 9 factors compared between the two stocks.

About Glacier Bancorp

Glacier Bancorp, Inc. operates as the bank holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the United States. It offers non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal and demand deposit accounts, savings accounts, money market deposit accounts, fixed rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts. The company also provides construction and permanent loans on residential real estate; consumer land or lot acquisition loans; unimproved land and land development loans; and residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. In addition, it offers commercial real estate loans to purchase, construct, and finance commercial real estate properties; consumer loans secured by real estate, automobiles, or other assets; paycheck protection program loans; home equity loans consisting of junior lien mortgages, and first and junior lien lines of credit secured by owner-occupied 1-4 family residences; and agriculture loans. Further, the company provides mortgage origination and loan servicing services. It has 224 locations, including 188 branches and 36 loan or administration offices in 75 counties within 8 states comprising Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, and Nevada. The company was founded in 1955 and is headquartered in Kalispell, Montana.

About Northpointe Bancshares

Northpointe Bancshares, Inc. operates as a bank holding company. It offers a nationwide mortgage purchase program, residential mortgage loans, digital deposit banking to retail customers and custodial deposit services. The company was founded by Charles A. Williams in 1998 and is headquartered in Grand Rapids, MI.