Glen Burnie Bancorp (GLBZ) AI Stock Analysis

• Market Cap: $13.60M
• Dividend Yield: 2.14%
• Average Volume (3M): 4.07K
• Price to Earnings (P/E): 521.1
• Beta (1Y): 0.07
• Revenue Growth: 8.99%
• EPS Growth: -94.06%
• Country: US
• Employees: 89
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.04
• Shares Outstanding: 2,900,681
• 10 Day Avg. Volume: 6,677
• 30 Day Avg. Volume: 4,067
• PEG Ratio: 1.40
• Price to Book (P/B): 0.95
• Price to Sales (P/S): 1.05
• P/FCF Ratio: -318.33
• Enterprise Value/Market Cap: 1.91
• Enterprise Value/Revenue: 1.61
• Enterprise Value/Gross Profit: 2.27
• Enterprise Value/Ebitda: 6.48K
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 46 Neutral
• Price Target: $4.50 ▼(-4.05% Downside)

The overall stock score of 46.25 reflects significant financial challenges, with declining revenue and profitability, and concerning cash flow issues. The technical analysis provides mixed signals, with some short-term weakness and medium-term strength. The valuation is a major concern due to the extremely high P/E ratio, suggesting the stock may be overvalued. The absence of earnings call data and corporate events means these factors do not influence the score.

Glen Burnie Bancorp Business Overview & Revenue Model

Company Description

Glen Burnie Bancorp operates as the bank holding company for The Bank of Glen Burnie that provides commercial and retail banking services to individuals, associations, partnerships, and corporations. The company accepts various deposits, including savings accounts, money market deposit accounts, demand deposit accounts, NOW checking accounts, and IRA and SEP accounts, as well as certificates of deposit. It also provides residential and commercial real estate, construction, land acquisition and development, and secured and unsecured commercial loans, as well as consumer installment lending, such as indirect automobile lending services; and residential first and second mortgage loans, home equity lines of credit, and commercial mortgage loans. In addition, the company offers ancillary products and services comprising safe deposit boxes, money orders, night depositories, automated clearinghouse transactions, and automated teller machine (ATM) services, as well as electronic banking services that include telephone banking, online banking, bill pay, card control, mobile app, merchant source capture, mobile deposit capture, Zelle, etc. Further, it provides treasury services, including wire transfer and ACH services, and debit cards. Additionally, the company engages in the business of acquiring, holding, and disposing of real property. It serves customers in northern Anne Arundel county and surrounding areas from its main office and branch in Glen Burnie, Maryland; and branch offices in Odenton, Riviera Beach, Crownsville, Severn, Linthicum, and Severna Park, Maryland. The company also has a remote ATM located in Pasadena, Maryland. Glen Burnie Bancorp was founded in 1949 and is based in Glen Burnie, Maryland.

How the Company Makes Money

Glen Burnie Bancorp generates revenue primarily through traditional banking activities, including interest income from loans and mortgages, as well as fees from various banking services. The company's key revenue streams include interest earned on loans extended to customers, which is a significant portion of their income, along with service charges on deposit accounts and transaction fees. Additionally, the bank may earn income from investment securities and other financial products. Glen Burnie Bancorp also benefits from partnerships with local businesses and community organizations, enhancing its customer base and driving deposit growth, which further contributes to its overall earnings.

Glen Burnie Bancorp Financial Statement Overview

Summary

Glen Burnie Bancorp faces significant financial challenges, particularly in maintaining revenue growth and profitability. The income statement shows declining margins and negative EBIT, while the balance sheet indicates moderate leverage but low returns on equity. Cash flow issues are evident, with negative operating cash flow and volatile free cash flow growth. The company needs to address these operational and financial challenges to improve its financial health.

Income Statement

The income statement shows a mixed performance. The TTM data indicates a significant revenue decline of 27.2%, and the net profit margin is extremely low at 0.19%. Historical data shows fluctuating revenue growth and declining margins, with EBIT and EBITDA margins turning negative in the TTM period. This suggests challenges in maintaining profitability and operational efficiency.

Balance Sheet

The balance sheet reflects moderate leverage with a TTM debt-to-equity ratio of 0.69, improved from previous periods. However, the return on equity is low at 0.16% in the TTM period, indicating limited profitability from equity. The equity ratio is not provided, but the overall leverage and equity position suggest moderate financial stability with room for improvement.

Cash Flow

Cash flow analysis reveals significant challenges. The TTM operating cash flow is negative, and free cash flow growth is volatile, showing a recent improvement but still negative. The operating cash flow to net income ratio is negative, indicating cash flow issues relative to earnings. The free cash flow to net income ratio is relatively high, suggesting some efficiency in converting earnings to cash, but overall cash flow health is concerning.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	16.15M	16.04M	14.11M	13.80M	13.79M	14.31M
Gross Profit	11.42M	10.81M	12.81M	12.96M	13.69M	13.48M
EBITDA	4.00K	-399.00K	1.73M	2.98M	4.09M	2.22M
Net Income	30.00K	-112.00K	1.43M	1.75M	2.52M	1.67M
Balance Sheet
Total Assets	350.72M	358.96M	351.81M	381.44M	442.07M	419.49M
Cash, Cash Equivalents and Short-Term Investments	106.24M	99.01M	141.47M	174.22M	218.11M	151.14M
Total Debt	13.00M	30.00M	30.00M	0.00	20.00M	29.91M
Total Liabilities	331.79M	341.14M	332.49M	365.38M	406.35M	382.39M
Stockholders Equity	18.93M	17.82M	19.32M	16.05M	35.72M	37.09M
Cash Flow
Free Cash Flow	-521.00K	-53.00K	1.25M	1.97M	3.37M	1.03M
Operating Cash Flow	-587.00K	28.00K	1.40M	2.23M	3.66M	1.60M
Investing Cash Flow	2.28M	847.00K	17.66M	7.01M	-1.27M	-9.89M
Financing Cash Flow	-5.81M	8.35M	-33.91M	-41.33M	22.71M	32.09M

Glen Burnie Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4.69
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GLBZ, the sentiment is Positive. The current price of 4.69 is above the 20-day moving average (MA) of 4.69, above the 50-day MA of 4.56, and below the 200-day MA of 4.84, indicating a neutral trend. The MACD of 0.01 indicates Positive momentum. The RSI at 52.54 is Neutral, neither overbought nor oversold. The STOCH value of 54.71 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GLBZ.

Glen Burnie Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	72 Outperform	$49.85M	11.02	8.21%	3.25%	0.32%	37.93%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
KFFB	52 Neutral	$32.19M	178.48	0.38%	―	19.55%	―
GLBZ	46 Neutral	$13.60M	521.11	0.13%	2.14%	8.99%	-94.06%

Glen Burnie Bancorp Corporate Events

Glen Burnie Bancorp Director Announces Resignation

On September 11, 2025, May Louise Wicox, who has been a member of the Board of Directors of Glen Burnie Bancorp since 1997, announced her resignation for personal reasons, effective December 31, 2025.

The most recent analyst rating on (GLBZ) stock is a Hold with a $4.50 price target. To see the full list of analyst forecasts on Glen Burnie Bancorp stock, see the GLBZ Stock Forecast page.

Glen Burnie Bancorp Reports Q2 2025 Financial Results

Glen Burnie Bancorp, a bank holding company based in Maryland, operates through its subsidiary, The Bank of Glen Burnie, providing commercial and retail banking services including loans and deposits.