Glen Burnie Bancorp (GLBZ) AI Stock Analysis

• Market Cap: $15.11M
• Dividend Yield: 7.68%
• Average Volume (3M): 6.19K
• Price to Earnings (P/E): 165.2
• Beta (1Y): 0.22
• Revenue Growth: 13.39%
• EPS Growth: -107.74%
• Country: US
• Employees: 89
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): -0.04
• Shares Outstanding: 2,900,681
• 10 Day Avg. Volume: 4,154
• 30 Day Avg. Volume: 6,193
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 1.31
• Price to Cash Flow (P/CF): 7.60
• P/FCF Ratio: 2.30
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Glen Burnie Bancorp's stock score reflects significant financial instability, with concerns about declining profitability and cash flow challenges. Technical analysis suggests mild short-term bullishness, but valuation metrics highlight risks due to negative earnings. The recent leadership change adds further uncertainty to the company's future performance, warranting caution.

Glen Burnie Bancorp Business Overview & Revenue Model

Company Description

Glen Burnie Bancorp (GLBZ) is a financial holding company headquartered in Maryland, USA. It primarily operates through its subsidiary, The Bank of Glen Burnie, which provides a range of community banking services. The company's offerings include personal and business banking solutions such as checking and savings accounts, loans, mortgages, and other financial services designed to meet the needs of individuals and small to medium-sized businesses within its local market.

How the Company Makes Money

Glen Burnie Bancorp generates revenue primarily through its subsidiary, The Bank of Glen Burnie. The company earns money by charging interest on loans and mortgages issued to individuals and businesses. Additionally, it collects fees from various banking services, such as account maintenance, transaction processing, and overdraft fees. The bank also generates income from investment securities and other financial instruments. These revenue streams are supported by the bank's ability to attract and retain deposits from customers, which provide the necessary capital to fund its lending operations. Partnerships with local businesses and a strong community presence contribute to its profitability, enabling the company to maintain a competitive edge in its regional market.

Glen Burnie Bancorp Financial Statement Overview

Summary

Overall, Glen Burnie Bancorp exhibits financial instability with declining profitability and inconsistent revenue growth. The balance sheet remains relatively solid, with low leverage and a stable equity ratio. However, cash flow challenges and fluctuating net income raise concerns about long-term financial stability.

Income Statement

The company shows signs of declining revenue and profitability. The net profit margin has decreased over the years, and a net loss was reported in 2024. This indicates challenges in maintaining profitability, despite stable gross profit margins. Revenue growth has been inconsistent, with a noticeable decline from 2023 to 2024.

Balance Sheet

The balance sheet indicates a relatively stable equity position with a strong equity ratio. The company has managed to maintain a low debt-to-equity ratio, especially in 2024 with no reported debt. However, the return on equity has fluctuated, reflecting the variability in net income.

Cash Flow

Cash flow metrics reveal a mixed performance. While free cash flow was positive in earlier years, it turned negative or negligible in recent periods. The operating cash flow to net income ratio is volatile, affected by the declining net income, indicating challenges in converting profits into cash.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
11.25M	13.14M	13.25M	13.06M	13.04M
	Gross Profit
11.25M	12.90M	13.25M	13.06M	13.04M
	EBIT
947.00K	0.00	2.84M	3.09M	2.16M
	EBITDA
0.00	0.00	-112.00K	-169.00K	-186.00K
	Net Income Common Stockholders
-112.00K	1.43M	1.75M	2.52M	1.67M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
24.46M	141.37M	174.22M	218.11M	151.14M
	Total Assets
358.96M	351.81M	381.44M	442.07M	419.49M
	Total Debt
0.00	30.00M	377.00K	20.00M	29.91M
	Net Debt
-24.46M	14.76M	-29.71M	-42.18M	-7.18M
	Total Liabilities
341.14M	332.49M	365.38M	406.35M	29.91M
	Stockholders Equity
17.82M	19.32M	16.05M	35.72M	37.09M
Cash Flow		Free Cash Flow
0.00	1.25M	1.97M	3.37M	1.03M
	Operating Cash Flow
0.00	1.40M	2.23M	3.66M	1.60M
	Investing Cash Flow
0.00	17.66M	7.01M	-1.27M	-9.89M
	Financing Cash Flow
0.00	-33.91M	-41.33M	22.71M	32.09M

Glen Burnie Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 5.21
• 50DMA: Positive
• 100DMA: Negative
• 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 5.21 is above the 20-day moving average (MA) of 5.12, above the 50-day MA of 5.01, and below the 200-day MA of 5.25, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 54.23 is Neutral, neither overbought nor oversold. The STOCH value of 24.82 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	74 Outperform	$42.23M	12.44	6.25%	3.82%	1.27%	-27.46%
FUSB	73 Outperform	$73.92M	9.62	8.64%	1.87%	9.82%	-2.46%
UBCP	65 Neutral	$78.94M	10.38	11.23%	5.40%	7.53%	-19.74%
Sector *	63 Neutral	$11.98B	9.29	8.14%	79.54%	12.87%	-5.13%
PNBK	56 Neutral	$241.82M	―	-163.96%	―	-6.52%	-866.16%
GLBZ	52 Neutral	$15.11M	165.15	-0.60%	7.68%	13.39%	-107.74%
KFFB	44 Neutral	$21.91M	―	-2.44%	3.03%	26.21%	-239.03%

Glen Burnie Bancorp Corporate Events

Glen Burnie Bancorp Announces Leadership Change

The Bank of Glen Burnie, a subsidiary of Glen Burnie Bancorp, announced the termination of its relationship with Andrew J. Hines, who served as Executive Vice President since 2017 and Chief Lending Officer since 2014. This change could signify a shift in the bank’s leadership strategy, potentially impacting its lending operations and stakeholder confidence.