Glacier Bancorp (NASDAQ:GBCI) vs. Signature Bank (NASDAQ:SBNY) Critical Review

Signature Bank (NASDAQ:SBNY) and Glacier Bancorp (NASDAQ:GBCI) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, valuation, dividends, analyst recommendations, earnings, profitability and risk.

Valuation & Earnings

This table compares Signature Bank and Glacier Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Signature Bank	$2.70 billion	0.01	$1.34 billion	N/A	N/A
Glacier Bancorp	$877.23 million	6.33	$190.14 million	$1.92	24.38

Signature Bank has higher revenue and earnings than Glacier Bancorp.

Dividends

Signature Bank pays an annual dividend of $0.70 per share and has a dividend yield of 140.0%. Glacier Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 2.8%. Glacier Bancorp pays out 68.8% of its earnings in the form of a dividend.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Signature Bank	N/A	N/A	N/A
Glacier Bancorp	14.99%	5.98%	0.68%

Risk and Volatility

Signature Bank has a beta of 11.2, meaning that its share price is 1,020% more volatile than the S&P 500. Comparatively, Glacier Bancorp has a beta of 0.79, meaning that its share price is 21% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current recommendations for Signature Bank and Glacier Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Signature Bank	0	0	0	0	0.00
Glacier Bancorp	0	3	3	1	2.71

Glacier Bancorp has a consensus price target of $50.00, suggesting a potential upside of 6.81%. Given Glacier Bancorp’s stronger consensus rating and higher possible upside, analysts plainly believe Glacier Bancorp is more favorable than Signature Bank.

Institutional and Insider Ownership

11.1% of Signature Bank shares are owned by institutional investors. Comparatively, 80.2% of Glacier Bancorp shares are owned by institutional investors. 1.5% of Signature Bank shares are owned by company insiders. Comparatively, 0.5% of Glacier Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

Glacier Bancorp beats Signature Bank on 9 of the 15 factors compared between the two stocks.

About Signature Bank

As of March 12, 2023, Signature Bank went out of business. Previously, the company provided digital assets banking services and comprised of certain loan portfolios. The company was incorporated in 2000 and is based in New York, New York. Signature Bank now trades on OTCPK.

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. The company offers retail banking, business banking, and mortgage origination and loan servicing services. It also provides non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal and demand deposit accounts, savings, money market deposits, fixed rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts. In addition, the company offers construction and permanent loans on residential real estate; consumer land or lot loans; unimproved land and land development loans; and residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. Further, it provides commercial real estate loans to purchase, construct, and finance commercial real estate properties; consumer loans secured by real estate, automobiles, or other assets; 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. Glacier Bancorp, Inc. was founded in 1955 and is headquartered in Kalispell, Montana.