Glen Burnie Bancorp (GLBZ) AI Stock Analysis

• Market Cap: $12.91M
• Dividend Yield: N/A
• Average Volume (3M): 4.07K
• Price to Earnings (P/E): 477.8
• Beta (1Y): 0.17
• Revenue Growth: 5.76%
• EPS Growth: -72.73%
• Country: US
• Employees: 89
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.04
• Shares Outstanding: 2,919,695
• 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: 2.01
• Enterprise Value/Revenue: 2.19
• Enterprise Value/Gross Profit: 3.11
• Enterprise Value/Ebitda: -336.76
• 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: 49 Neutral
• Price Target: $4.00 ▼(-6.98% Downside)

Glen Burnie Bancorp's overall stock score is primarily impacted by its financial performance challenges, including declining margins and cash flow issues. Technical analysis indicates a bearish trend, while the high P/E ratio suggests overvaluation. The recent appointment of a new CFO is a positive corporate event, but the overall outlook remains cautious.

Positive Factors

New CFO Appointment

The appointment of a new CFO with extensive experience is expected to enhance financial leadership, potentially improving financial management and strategic direction.

Revenue Growth

Positive revenue growth indicates the company's ability to expand its market reach and maintain customer engagement, contributing to long-term business sustainability.

Moderate Leverage

Moderate leverage with improved debt-to-equity ratio suggests better financial stability, providing flexibility for future investments and growth.

Negative Factors

Declining Margins

Extremely low profit margins indicate challenges in cost management and pricing power, potentially impacting long-term profitability and competitiveness.

Negative Operating Cash Flow

Negative operating cash flow highlights potential liquidity issues, limiting the company's ability to reinvest in growth and meet financial obligations.

Resignation of Board Member

The resignation of a long-standing board member could lead to governance challenges and loss of strategic oversight, affecting long-term decision-making.

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 interest income from loans and securities, as well as non-interest income from fees and service charges. The company's key revenue streams include interest earned on various loan products, such as mortgages, personal loans, and commercial loans, which typically provide a significant portion of its earnings. Additionally, the bank earns income from investment securities and various fee-based services, including account maintenance fees, transaction fees, and wealth management services. The company may also engage in partnerships with local businesses and organizations to enhance its service offerings and customer reach, contributing to its overall revenue generation.

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	11.85M	16.04M	14.11M	13.80M	13.79M	14.31M
Gross Profit	8.33M	10.81M	12.81M	12.96M	13.69M	13.48M
EBITDA	-77.00K	-399.00K	1.73M	2.98M	4.09M	2.22M
Net Income	-99.00K	-112.00K	1.43M	1.75M	2.52M	1.67M
Balance Sheet
Total Assets	351.79M	358.96M	351.81M	381.44M	442.07M	419.49M
Cash, Cash Equivalents and Short-Term Investments	106.50M	99.01M	141.47M	174.22M	218.11M	151.14M
Total Debt	0.00	30.00M	30.00M	0.00	20.00M	29.91M
Total Liabilities	331.06M	341.14M	332.49M	365.38M	406.35M	382.39M
Stockholders Equity	20.73M	17.82M	19.32M	16.05M	35.72M	37.09M
Cash Flow
Free Cash Flow	-1.77M	-53.00K	1.25M	1.97M	3.37M	1.03M
Operating Cash Flow	-1.95M	28.00K	1.40M	2.23M	3.66M	1.60M
Investing Cash Flow	6.91M	847.00K	17.66M	7.01M	-1.27M	-9.89M
Financing Cash Flow	-15.20M	8.35M	-33.91M	-41.33M	22.71M	32.09M

Glen Burnie Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 4.30
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 4.3 is below the 20-day moving average (MA) of 4.31, below the 50-day MA of 4.49, and below the 200-day MA of 4.75, indicating a bearish trend. The MACD of -0.04 indicates Negative momentum. The RSI at 46.69 is Neutral, neither overbought nor oversold. The STOCH value of 79.28 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	71 Outperform	$50.09M	10.93	8.21%	3.11%	0.32%	37.93%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
KFFB	52 Neutral	$35.26M	63.72	1.11%	―	15.56%	―
GLBZ	49 Neutral	$12.91M	477.78	0.09%	―	5.76%	-72.73%

Glen Burnie Bancorp Corporate Events

Glen Burnie Bancorp to Delist from Nasdaq

On December 12, 2025, Glen Burnie Bancorp announced its decision to voluntarily delist its common stock from The Nasdaq Capital Market and deregister with the SEC, aiming to terminate its reporting obligations under the Securities Exchange Act of 1934. This strategic move, effective January 1, 2026, is intended to alleviate the burdens of being a public company and redirect resources to broader business opportunities. The company plans to provide liquidity to its shareholders by seeking to have its stock traded on the OTCQX platform, although there are no guarantees of continued trading. The board believes this decision is in the best interest of the company and its stakeholders, considering factors like potential non-compliance with Nasdaq requirements and the costs associated with public reporting.

Glen Burnie Bancorp Appoints New CFO Todd Capitani

On November 13, 2025, Glen Burnie Bancorp announced the appointment of Todd Capitani as Treasurer and Chief Financial Officer, effective November 17, 2025. This strategic move is expected to enhance the company’s financial leadership, given Mr. Capitani’s extensive experience in financial management and consulting, potentially strengthening its market position and benefiting stakeholders.

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.