GLEN BURNIE BANCORP (GLBZ)
US3774071019 - Common Stock
GLBZ gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. GLBZ scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. GLBZ is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
GLBZ had positive earnings in the past year.
GLBZ had a positive operating cash flow in the past year.
GLBZ had positive earnings in each of the past 5 years.
Each year in the past 5 years GLBZ had a positive operating cash flow.
1.2 Ratios
GLBZ has a Return On Assets of 0.41%. This is amonst the worse of the industry: GLBZ underperforms 82.73% of its industry peers.
GLBZ's Return On Equity of 7.44% is on the low side compared to the rest of the industry. GLBZ is outperformed by 64.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.41% | ||
| ROE | 7.44% | ||
| ROIC | N/A |
ROA(3y)0.48%
ROA(5y)0.45%
ROE(3y)8.44%
ROE(5y)6.86%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
GLBZ has a Profit Margin of 10.85%. This is amonst the worse of the industry: GLBZ underperforms 86.13% of its industry peers.
GLBZ's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for GLBZ so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 10.85% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.24%
PM growth 5Y-0.73%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
GLBZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for GLBZ has been reduced compared to 1 year ago.
GLBZ has more shares outstanding than it did 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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.08%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
GLBZ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -18.38%.
The Earnings Per Share has been decreasing by -2.35% on average over the past years.
The Revenue has been growing slightly by 0.23% in the past year.
GLBZ shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.27% yearly.
EPS 1Y (TTM)-18.38%
EPS 3Y-5.54%
EPS 5Y-2.35%
EPS growth Q2Q-80.04%
Revenue 1Y (TTM)0.23%
Revenue growth 3Y0.19%
Revenue growth 5Y-1.27%
Revenue growth Q2Q-17.36%
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.
4. Valuation
4.1 Price/Earnings Ratio
GLBZ is valuated reasonably with a Price/Earnings ratio of 10.70.
Compared to the rest of the industry, the Price/Earnings ratio of GLBZ is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 25.25. GLBZ is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.7 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GLBZ indicates a slightly more expensive valuation: GLBZ is more expensive than 67.40% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.95%, GLBZ is a good candidate for dividend investing.
GLBZ's Dividend Yield is rather good when compared to the industry average which is at 3.89. GLBZ pays more dividend than 98.05% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.45, GLBZ pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.95% |
5.2 History
The dividend of GLBZ decreases each year by -0.13%.
GLBZ has been paying a dividend for at least 10 years, so it has a reliable track record.
As GLBZ did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)-0.13%
Div Incr Years0
Div Non Decr Years8
5.3 Sustainability
79.96% of the earnings are spent on dividend by GLBZ. This is not a sustainable payout ratio.
GLBZ's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP79.96%
EPS Next 2YN/A
EPS Next 3YN/A
GLEN BURNIE BANCORP
NASDAQ:GLBZ (4/24/2024, 7:05:37 PM)
5.35
+0.32 (+6.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap15.46M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.95% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.7 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.41% | ||
| ROE | 7.44% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 10.85% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-18.38%
EPS 3Y-5.54%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)0.23%
Revenue growth 3Y0.19%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y