Logo image of GLBZ

GLEN BURNIE BANCORP (GLBZ) Stock Fundamental Analysis

NASDAQ:GLBZ - Nasdaq - US3774071019 - Common Stock - Currency: USD

4.53  -0.46 (-9.22%)

Fundamental Rating

2

Taking everything into account, GLBZ scores 2 out of 10 in our fundamental rating. GLBZ was compared to 396 industry peers in the Banks industry. While GLBZ seems to be doing ok healthwise, there are quite some concerns on its profitability. GLBZ does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

GLBZ had positive earnings in the past year.
GLBZ had a negative operating cash flow in the past year.
Of the past 5 years GLBZ 4 years were profitable.
In the past 5 years GLBZ always reported a positive cash flow from operatings.
GLBZ Yearly Net Income VS EBIT VS OCF VS FCFGLBZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1M 2M 3M 4M

1.2 Ratios

The Return On Assets of GLBZ (0.01%) is worse than 90.40% of its industry peers.
The Return On Equity of GLBZ (0.20%) is worse than 89.90% of its industry peers.
Industry RankSector Rank
ROA 0.01%
ROE 0.2%
ROIC N/A
ROA(3y)0.28%
ROA(5y)0.36%
ROE(3y)5.88%
ROE(5y)5.84%
ROIC(3y)N/A
ROIC(5y)N/A
GLBZ Yearly ROA, ROE, ROICGLBZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 0.31%, GLBZ is doing worse than 90.40% of the companies in the same industry.
GLBZ does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 0.31%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
GLBZ Yearly Profit, Operating, Gross MarginsGLBZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

More info and screens

4

2. Health

2.1 Basic Checks

GLBZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
GLBZ has more shares outstanding than it did 1 year ago.
The number of shares outstanding for GLBZ has been increased compared to 5 years ago.
There is no outstanding debt for GLBZ. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
GLBZ Yearly Shares OutstandingGLBZ Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M 2.5M
GLBZ Yearly Total Debt VS Total AssetsGLBZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.2 Solvency

There is no outstanding debt for GLBZ. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.03%
GLBZ Yearly LT Debt VS Equity VS FCFGLBZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GLBZ Yearly Current Assets VS Current LiabilitesGLBZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M 2.5M

More info and screens

0

3. Growth

3.1 Past

GLBZ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -96.30%.
GLBZ shows a decrease in Revenue. In the last year, the revenue decreased by -4.33%.
The Revenue has been decreasing by -2.72% on average over the past years.
EPS 1Y (TTM)-96.3%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%5180%
Revenue 1Y (TTM)-4.33%
Revenue growth 3Y-2.54%
Revenue growth 5Y-2.72%
Sales Q2Q%-1.18%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
GLBZ Yearly Revenue VS EstimatesGLBZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M

More info and screens

0

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 453.00, GLBZ can be considered very expensive at the moment.
Based on the Price/Earnings ratio, GLBZ is valued more expensive than 89.39% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.53, GLBZ is valued quite expensively.
Industry RankSector Rank
PE 453
Fwd PE N/A
GLBZ Price Earnings VS Forward Price EarningsGLBZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
GLBZ Per share dataGLBZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 8.08%, GLBZ is a good candidate for dividend investing.
GLBZ's Dividend Yield is rather good when compared to the industry average which is at 3.51. GLBZ pays more dividend than 97.98% of the companies in the same industry.
GLBZ's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 8.08%

5.2 History

The dividend of GLBZ decreases each year by -5.82%.
GLBZ has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-5.82%
Div Incr Years0
Div Non Decr Years0
GLBZ Yearly Dividends per shareGLBZ Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 0 0 0 0

5.3 Sustainability

1521.05% of the earnings are spent on dividend by GLBZ. This is not a sustainable payout ratio.
DP1521.05%
EPS Next 2YN/A
EPS Next 3YN/A
GLBZ Yearly Income VS Free CF VS DividendGLBZ Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1M 2M 3M
GLBZ Dividend Payout.GLBZ Dividend Payout, showing the Payout Ratio.GLBZ Dividend Payout.PayoutRetained Earnings

More info and screens

GLEN BURNIE BANCORP

NASDAQ:GLBZ (6/9/2025, 8:00:01 PM)

4.53

-0.46 (-9.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30
Earnings (Next)07-24 2025-07-24
Inst Owners7%
Inst Owner Change13.38%
Ins Owners14.4%
Ins Owner Change1.38%
Market Cap13.14M
Analysts0
Price TargetN/A
Short Float %0.07%
Short Ratio0.25
Dividend
Industry RankSector Rank
Dividend Yield 8.08%
Yearly Dividend0.3
Dividend Growth(5Y)-5.82%
DP1521.05%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 453
Fwd PE N/A
P/S 1.09
P/FCF N/A
P/OCF N/A
P/B 0.68
P/tB 0.68
EV/EBITDA N/A
EPS(TTM)0.01
EY0.22%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.19
FCFYN/A
OCF(TTM)-0.17
OCFYN/A
SpS4.16
BVpS6.61
TBVpS6.61
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.01%
ROE 0.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 0.31%
GM N/A
FCFM N/A
ROA(3y)0.28%
ROA(5y)0.36%
ROE(3y)5.88%
ROE(5y)5.84%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC12.03%
ROIC/WACCN/A
Cap/Depr(3y)62.68%
Cap/Depr(5y)233.41%
Cap/Sales(3y)1.26%
Cap/Sales(5y)2.07%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-96.3%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%5180%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.33%
Revenue growth 3Y-2.54%
Revenue growth 5Y-2.72%
Sales Q2Q%-1.18%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-122.5%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-118.66%
OCF growth 3Y-80.3%
OCF growth 5Y-60.71%