Glen Burnie Bancorp AI Stock Analysis
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Glen Burnie Bancorp (GLBZ) AI Stock Analysis
Glen Burnie Bancorp
(Other OTC:GLBZ)
The score is primarily held down by weak financial performance—especially negative operating/free cash flow and a return to losses—despite improved leverage. Technicals add additional pressure with a broadly bearish trend below major moving averages, while valuation remains hard to assess favorably due to a negative P/E and no dividend yield provided.
Glen Burnie Bancorp (GLBZ) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $11.77M
- Dividend Yield
- ―
- Average Volume (3M)
- 4,401
- Price to Earnings (P/E)
- -151.5
- Beta (1Y)
- 0.10
- Revenue Growth
- 17.13%
- EPS Growth
- -395.56%
- Country
- US
- Employees
- 73
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Glen Burnie Bancorp Business Overview & Revenue Model
Company Description
Glen Burnie Bancorp serves as the parent organization for The Bank of Glen Burnie, delivering a comprehensive range of commercial and personal banking solutions to individuals, various associations, partnerships, and corporate clients. The bank accep...
Glen Burnie Bancorp Financial Statement Overview
Summary
Financials are pressured: despite strong TTM revenue growth, profitability has slipped to a slight net loss with negative operating margins. Balance-sheet leverage has improved (low debt-to-equity), but returns remain negative. The largest concern is quality of earnings and liquidity: operating cash flow and free cash flow are both negative in TTM after being positive in prior years.
Income Statement
42NeutralBalance Sheet
55NeutralCash Flow
30Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 17.00M | 17.07M | 16.04M | 14.11M | 13.80M | 13.79M |
| Gross Profit | 12.34M | 12.88M | 10.81M | 12.81M | 12.96M | 13.69M |
| EBITDA | -3,000 | -4,000 | -399.00K | 1.73M | 2.98M | 4.09M |
| Net Income | -29.00K | -29.00K | -112.00K | 1.43M | 1.75M | 2.52M |
Balance Sheet | ||||||
| Total Assets | 359.92M | 359.92M | 358.96M | 351.81M | 381.44M | 442.07M |
| Cash, Cash Equivalents and Short-Term Investments | 1.78M | 1.78M | 99.01M | 141.47M | 174.22M | 218.11M |
| Total Debt | 4.00M | 4.00M | 30.00M | 30.00M | 377.00K | 20.00M |
| Total Liabilities | 338.49M | 338.49M | 341.14M | 332.49M | 365.38M | 406.35M |
| Stockholders Equity | 21.43M | 21.43M | 17.82M | 19.32M | 16.05M | 35.72M |
Cash Flow | ||||||
| Free Cash Flow | -707.00K | -910.00K | -53.00K | 1.25M | 1.97M | 3.37M |
| Operating Cash Flow | -791.00K | -791.00K | 28.00K | 1.40M | 2.23M | 3.66M |
| Investing Cash Flow | -15.36M | -15.36M | 847.00K | 17.66M | 7.01M | -1.27M |
| Financing Cash Flow | -2.81M | -2.81M | 8.35M | -33.91M | -41.33M | 22.71M |
Glen Burnie Bancorp Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GLBZ, the sentiment is Negative. The current price of 4.05 is below the 20-day moving average (MA) of 4.24, below the 50-day MA of 4.32, and below the 200-day MA of 4.57, indicating a bearish trend. The MACD of -0.07 indicates Positive momentum. The RSI at 39.87 is Neutral, neither overbought nor oversold. The STOCH value of 27.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GLBZ.
Glen Burnie Bancorp Peers Comparison
Overall Rating
TCBS65Neutral
KFFB62Neutral
BAFN52Neutral- GLBZ42Neutral
SHFS37Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| TCBS | 65Neutral | $49.55M | 15.04 | 5.83% | 1.44% | 2.23% | 33.79% |
| KFFB | 62Neutral | $46.74M | 19.36 | 4.97% | 0.85% | 7.36% | 360.42% |
| BAFN | 52Neutral | $189.38M | -0.59 | -42.56% | ― | -40.59% | -260.04% |
| GLBZ | 42Neutral | $11.97M | -151.50 | -0.39% | ― | 17.13% | -395.56% |
| SHFS | 37Underperform | $2.10M | -0.00 | -0.37% | ― | -14.63% | 94.07% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GLBZ | Glen Burnie | 4.05 | -0.71 | -14.99% | |
| KFFB | Kentucky First Federal | 5.87 | 1.58 | 36.74% | |
| BAFN | BayFirst Financial Corp | 6.06 | -2.24 | -26.99% | |
| TCBS | Texas Community Bancshares, Inc. | 17.39 | 1.67 | 10.65% | |
| SHFS | Shf Holdings Inc. | 0.02 | -17.14 | -99.86% | |
| MBBC | Marathon Bancorp, Inc. | 14.57 | 3.62 | 33.06% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 04, 2026