Critical Analysis: Glacier Bancorp (NYSE:GBCI) & Northpointe Bancshares (NYSE:NPB)

Northpointe Bancshares (NYSE:NPB) and Glacier Bancorp (NYSE:GBCI) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, risk, institutional ownership, earnings, analyst recommendations, valuation and profitability.

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Northpointe Bancshares	$196.56 million	2.32	N/A	N/A	N/A
Glacier Bancorp	$836.32 million	5.84	$211.14 million	$1.86	23.11

Glacier Bancorp has higher revenue and earnings than Northpointe Bancshares.

Dividends

Northpointe Bancshares pays an annual dividend of $0.10 per share and has a dividend yield of 0.8%. Glacier Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 3.1%. Glacier Bancorp pays out 71.0% of its earnings in the form of a dividend.

Insider & Institutional Ownership

80.2% of Glacier Bancorp shares are owned by institutional investors. 18.4% of Northpointe Bancshares shares are owned by insiders. Comparatively, 0.5% of Glacier Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Profitability

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

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

Analyst Ratings

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Northpointe Bancshares	0	0	2	0	3.00
Glacier Bancorp	0	0	0	1	4.00

Northpointe Bancshares currently has a consensus price target of $17.25, indicating a potential upside of 30.19%. Given Northpointe Bancshares’ higher possible upside, equities research analysts plainly believe Northpointe Bancshares is more favorable than Glacier Bancorp.

Summary

Glacier Bancorp beats Northpointe Bancshares on 6 of the 10 factors compared between the two stocks.

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.

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.