{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "b85b72e4-1b9b-4bce-9a4f-63e084f4a31c",
    "symbol": "GBCI",
    "name": "Glacier Bancorp Inc",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "b85b72e4-1b9b-4bce-9a4f-63e084f4a31c",
      "symbol": "GBCI",
      "name": "Glacier Bancorp Inc",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "GBCI",
    "market_cap": 6500625920.0,
    "market_cap_usd": 6136226136.1,
    "price": 49.950001,
    "currency": "USD",
    "dividend_yield": 0.00660661,
    "dividend_years": 34,
    "dividend_growth_5y": -0.00885095,
    "dividend_cut_5y": true,
    "payout_ratio": 0.77099997,
    "net_income": 239028000.0,
    "free_cash_flow": 347551000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.18051123,
    "revenue_growth_5y": 0.12528258,
    "net_margin": 0.25704,
    "roe": 0.07075,
    "pe_ratio": 23.34112,
    "price_vs_ma": 0.07539221,
    "return_3y": 0.80010767,
    "return_5y": 0.02500119,
    "max_drawdown": -0.56168584,
    "scores": {
      "dividend_reliability": 13.0,
      "dividend_sustainability": 16.0,
      "business_quality": 21.5,
      "valuation": 13.0,
      "trend": 12.0,
      "total": 75.5,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend yield normalized from payment history because provider yield looked inconsistent.",
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/",
      "chart": "https://sharemaestro.com/terminal/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 13.0,
    "dividend_sustainability": 16.0,
    "business_quality": 21.5,
    "valuation": 13.0,
    "trend": 12.0,
    "total": 75.5,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend yield normalized from payment history because provider yield looked inconsistent.",
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "GBCI dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2026-04-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "GBCI dividend payment 0.33 USD",
      "detail": "Recorded dividend payment for Glacier Bancorp Inc.",
      "amount": 0.33,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2025-12-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "GBCI dividend payment 0.33 USD",
      "detail": "Recorded dividend payment for Glacier Bancorp Inc.",
      "amount": 0.33,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2025-10-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "GBCI dividend payment 0.33 USD",
      "detail": "Recorded dividend payment for Glacier Bancorp Inc.",
      "amount": 0.33,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2025-07-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "GBCI dividend payment 0.33 USD",
      "detail": "Recorded dividend payment for Glacier Bancorp Inc.",
      "amount": 0.33,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2025-04-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "GBCI dividend payment 0.33 USD",
      "detail": "Recorded dividend payment for Glacier Bancorp Inc.",
      "amount": 0.33,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2024-12-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "GBCI dividend payment 0.33 USD",
      "detail": "Recorded dividend payment for Glacier Bancorp Inc.",
      "amount": 0.33,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2024-10-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "GBCI dividend payment 0.33 USD",
      "detail": "Recorded dividend payment for Glacier Bancorp Inc.",
      "amount": 0.33,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2024-07-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "GBCI dividend payment 0.33 USD",
      "detail": "Recorded dividend payment for Glacier Bancorp Inc.",
      "amount": 0.33,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2024-04-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "GBCI dividend payment 0.33 USD",
      "detail": "Recorded dividend payment for Glacier Bancorp Inc.",
      "amount": 0.33,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2023-12-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "GBCI dividend payment 0.33 USD",
      "detail": "Recorded dividend payment for Glacier Bancorp Inc.",
      "amount": 0.33,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2023-10-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "GBCI dividend payment 0.33 USD",
      "detail": "Recorded dividend payment for Glacier Bancorp Inc.",
      "amount": 0.33,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2023-07-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "GBCI dividend payment 0.33 USD",
      "detail": "Recorded dividend payment for Glacier Bancorp Inc.",
      "amount": 0.33,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2022-04-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "Dividend increased 230.0%",
      "detail": "Payment changed from 0.1 to 0.33.",
      "amount": 0.33,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2022-01-10",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "Dividend cut -68.8%",
      "detail": "Payment changed from 0.32 to 0.1.",
      "amount": 0.1,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2021-04-12",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "Dividend increased 106.7%",
      "detail": "Payment changed from 0.15 to 0.31.",
      "amount": 0.31,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2021-01-07",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "Dividend cut -50.0%",
      "detail": "Payment changed from 0.3 to 0.15.",
      "amount": 0.15,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2020-04-06",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "Dividend increased 45.0%",
      "detail": "Payment changed from 0.2 to 0.29.",
      "amount": 0.29,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    },
    {
      "event_date": "2020-01-06",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "GBCI",
      "exchange": "NYSE",
      "headline": "Dividend decreased -31.0%",
      "detail": "Payment changed from 0.29 to 0.2.",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b85b72e4-1b9b-4bce-9a4f-63e084f4a31c/"
    }
  ]
}