GLBZ Fundamental Analysis - GLEN BURNIE BANCORP

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to GLBZ. 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.

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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.

GLBZ had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

GLBZ has a Return On Assets of 0.01%. This is amonst the worse of the industry: GLBZ underperforms 90.40% of its industry peers.

Looking at the Return On Equity, with a value of 0.20%, GLBZ is doing worse than 89.90% of the companies in the same industry.

		Industry Rank	Sector 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

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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 increased compared to 1 year ago.

GLBZ has more shares outstanding than it did 5 years ago.

GLBZ has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC11.9%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for GLBZ have decreased strongly by -96.30% in the last year.

The Revenue has decreased by -4.33% in the past year.

Measured over the past years, GLBZ shows a decrease in Revenue. The Revenue has been decreasing by -2.72% on average per year.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 491.00, which means the current valuation is very expensive for GLBZ.

Based on the Price/Earnings ratio, GLBZ is valued expensively inside the industry as 89.39% of the companies are valued cheaper.

Compared to an average S&P500 Price/Earnings ratio of 26.60, GLBZ is valued quite expensively.

		Industry Rank	Sector Rank
PE	491
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
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

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 8.08%, GLBZ is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.51, GLBZ pays a better dividend. On top of this GLBZ pays more dividend than 97.98% of the companies listed in the same industry.

GLBZ's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	8.08%

5.2 History

The dividend of GLBZ decreases each year by -5.82%.

GLBZ has been paying a dividend for at least 10 years, so it has a reliable track record.

Dividend Growth(5Y)-5.82%

Div Incr Years0

Div Non Decr Years0

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

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GLEN BURNIE BANCORP

NASDAQ:GLBZ (6/10/2025, 8:00:01 PM)

4.91

+0.38 (+8.39%)

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 Cap14.24M

Analysts0

Price TargetN/A

Short Float %0.07%

Short Ratio0.25

Dividend

		Industry Rank	Sector 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 Rank	Sector Rank
PE	491
Fwd PE	N/A
P/S	1.18
P/FCF	N/A
P/OCF	N/A
P/B	0.74
P/tB	0.74
EV/EBITDA	N/A

EPS(TTM)0.01

EY0.2%

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 Rank	Sector 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 Rank	Sector 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

WACC11.9%

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%

GLEN BURNIE BANCORP (GLBZ) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens