Glen Burnie Bancorp (GLBZ) AI Stock Analysis

• Market Cap: $13.60M
• Dividend Yield: 2.13%
• Average Volume (3M): 5.96K
• Price to Earnings (P/E): 431.8
• Beta (1Y): 0.15
• Revenue Growth: 8.99%
• EPS Growth: -94.06%
• Country: US
• Employees: 89
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -0.07
• Shares Outstanding: 2,900,681
• 10 Day Avg. Volume: 2,448
• 30 Day Avg. Volume: 5,957
• 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: $4.50
• Price Target Upside: -4.05% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 50 Neutral
• Price Target: $4.50 ▼(-4.05% Downside)

The overall stock score reflects significant financial challenges, particularly in revenue growth and profitability, as indicated by the financial performance score. Technical analysis provides some positive signals, but the high valuation score suggests the stock may be overvalued. The absence of earnings call and corporate events data limits additional insights.

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 shows profitability and cash flow challenges, with a low net profit margin and negative operating cash flow. However, a stable balance sheet provides some financial stability.

Income Statement

The income statement reveals moderate challenges with profitability. The Gross Profit Margin is healthy at 68.26% TTM, but the Net Profit Margin is significantly low at 0.23% due to negative EBIT and EBITDA margins. Revenue growth has been inconsistent, with a slight increase of 1% from 2024 to TTM. Overall, operational inefficiencies and profitability issues are apparent, impacting the overall income statement performance.

Balance Sheet

The balance sheet shows a stable financial position with a Debt-to-Equity Ratio of 1.04 TTM, indicating a manageable level of leverage. The Equity Ratio is 5.36%, suggesting limited equity relative to total assets. Despite a decline in stockholder equity over recent periods, the company's assets are supported by a strong cash position, contributing to overall stability.

Cash Flow

Cash flow analysis indicates significant issues, with negative free cash flow and operating cash flow TTM. There is a concerning Operating Cash Flow to Net Income Ratio of -13.21, reflecting cash flow challenges. The Free Cash Flow Growth Rate is negative, indicating potential liquidity constraints. These weaknesses highlight the need for improved cash management strategies.

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: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 4.41, above the 50-day MA of 4.44, and below the 200-day MA of 5.02, indicating a neutral trend. The MACD of 0.09 indicates Negative momentum. The RSI at 60.36 is Neutral, neither overbought nor oversold. The STOCH value of 93.12 is Negative, 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	69 Neutral	42.69M	10.85	―	3.85%	-2.93%	7.89%
KFFB	52 Neutral	27.86M	-28.86	―	―	22.56%	-78.84%
GLBZ	50 Neutral	$13.60M	431.78	0.17%	2.13%	8.99%	-94.06%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

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 Signs Agreement to Acquire VAWM

On March 5, 2025, The Bank of Glen Burnie, a subsidiary of Glen Burnie Bancorp, entered into a Stock Purchase Agreement with Eric Tan for the acquisition of VA Wholesale Mortgage Incorporated (VAWM) for $750,000. The deal, expected to close in August 2025, includes additional earnings and loan volume incentives for the seller, who will remain as president of VAWM, ensuring continuity in management and operations.

Glen Burnie Bancorp CFO Retirement Announced

Glen Burnie Bancorp announced that its Chief Financial Officer, Jeffrey D. Harris, will retire on June 30, 2025, prompting the company to begin searching for a replacement. In the interim, Mark C. Hanna, who is currently the President and CEO, will assume the roles of interim Treasurer and interim Principal Accounting Officer starting July 1, 2025. The company has also engaged Artisan Advisors, LLC to provide support to its executive leadership and financial management team during this transition.