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GLEN BURNIE BANCORP (GLBZ) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:GLBZ - US3774071019 - Common Stock

4.13 USD
0 (0%)
Last: 12/3/2025, 4:54:21 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to GLBZ. GLBZ was compared to 387 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 does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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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.
Each year in the past 5 years GLBZ had a positive operating cash flow.
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

GLBZ has a worse Return On Assets (0.01%) than 90.18% of its industry peers.
GLBZ's Return On Equity of 0.13% is on the low side compared to the rest of the industry. GLBZ is outperformed by 90.18% of its industry peers.
Industry RankSector Rank
ROA 0.01%
ROE 0.13%
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

GLBZ's Profit Margin of 0.21% is on the low side compared to the rest of the industry. GLBZ is outperformed by 90.18% of its industry peers.
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) 0.21%
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

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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.
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.
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
WACC11.93%
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

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0

3. Growth

3.1 Past

GLBZ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -73.48%.
Looking at the last year, GLBZ shows a small growth in Revenue. The Revenue has grown by 0.23% in the last year.
The Revenue has been decreasing by -2.72% on average over the past years.
EPS 1Y (TTM)-73.48%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-3.82%
Revenue 1Y (TTM)0.23%
Revenue growth 3Y-2.54%
Revenue growth 5Y-2.72%
Sales Q2Q%7.15%

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

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 413.00, which means the current valuation is very expensive for GLBZ.
88.63% of the companies in the same industry are cheaper than GLBZ, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.37, GLBZ is valued quite expensively.
Industry RankSector Rank
PE 413
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

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5

5. Dividend

5.1 Amount

GLBZ has a Yearly Dividend Yield of 7.56%, which is a nice return.
GLBZ's Dividend Yield is rather good when compared to the industry average which is at 3.15. GLBZ pays more dividend than 97.93% of the companies in the same industry.
GLBZ's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 7.56%

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

The earnings of GLBZ are negative and hence is the payout ratio. GLBZ will probably not be able to sustain this dividend level.
DP-3.85%
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

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GLEN BURNIE BANCORP

NASDAQ:GLBZ (12/3/2025, 4:54:21 PM)

4.13

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30
Earnings (Next)02-04 2026-02-04
Inst Owners10.02%
Inst Owner Change8.53%
Ins Owners14.68%
Ins Owner Change0.21%
Market Cap12.06M
Revenue(TTM)12.22M
Net Income(TTM)26.00K
Analysts0
Price TargetN/A
Short Float %0.31%
Short Ratio1.13
Dividend
Industry RankSector Rank
Dividend Yield 7.56%
Yearly Dividend0.3
Dividend Growth(5Y)-5.82%
DP-3.85%
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 413
Fwd PE N/A
P/S 0.99
P/FCF N/A
P/OCF N/A
P/B 0.58
P/tB 0.59
EV/EBITDA N/A
EPS(TTM)0.01
EY0.24%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.68
FCFYN/A
OCF(TTM)-0.67
OCFYN/A
SpS4.19
BVpS7.1
TBVpS6.99
PEG (NY)N/A
PEG (5Y)N/A
Graham Number1.26
Profitability
Industry RankSector Rank
ROA 0.01%
ROE 0.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 0.21%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 9.67%
Cap/Sales 0.21%
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-Score4
WACC11.93%
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)-73.48%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-3.82%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.23%
Revenue growth 3Y-2.54%
Revenue growth 5Y-2.72%
Sales Q2Q%7.15%
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-202.71%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-193.56%
OCF growth 3Y-80.3%
OCF growth 5Y-60.71%

GLEN BURNIE BANCORP / GLBZ FAQ

What is the ChartMill fundamental rating of GLEN BURNIE BANCORP (GLBZ) stock?

ChartMill assigns a fundamental rating of 2 / 10 to GLBZ.


Can you provide the valuation status for GLEN BURNIE BANCORP?

ChartMill assigns a valuation rating of 0 / 10 to GLEN BURNIE BANCORP (GLBZ). This can be considered as Overvalued.


How profitable is GLEN BURNIE BANCORP (GLBZ) stock?

GLEN BURNIE BANCORP (GLBZ) has a profitability rating of 2 / 10.


Can you provide the financial health for GLBZ stock?

The financial health rating of GLEN BURNIE BANCORP (GLBZ) is 4 / 10.