Glen Burnie Bancorp (GLBZ) AI Stock Analysis

• Market Cap: $13.17M
• Dividend Yield: N/A
• Average Volume (3M): 4.07K
• Price to Earnings (P/E): 494.4
• Beta (1Y): 0.13
• 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: 1.97
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 44 Neutral
• Price Target: $4.50 ▼(-0.22% Downside)

The score is held down primarily by weakened financial performance (TTM revenue decline, slight losses, and negative operating/free cash flow). Valuation is also a major negative due to the extremely high P/E and no dividend yield provided. Technicals are a partial offset with modestly positive near-term momentum, but the longer-term trend remains weaker.

Positive Factors

New CFO Appointment

The appointment of Todd Capitani as CFO could enhance financial leadership, potentially improving financial strategy and operational efficiency.

OTCQX Market Qualification

Trading on the OTCQX Best Market may provide greater visibility and liquidity than other OTC markets, potentially attracting more investors.

Focus on Local Communities

By focusing on local communities, Glen Burnie Bancorp can build strong customer relationships, fostering loyalty and stable revenue streams.

Negative Factors

Declining Revenue

A significant decline in revenue indicates challenges in maintaining market share and competitiveness, potentially impacting long-term growth.

Negative Cash Flow

Negative operating cash flow suggests difficulties in generating sufficient cash from operations, which may affect liquidity and investment capacity.

Voluntary Delisting from Nasdaq

Delisting from Nasdaq may reduce market visibility and investor confidence, potentially limiting access to capital and affecting stock liquidity.

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: Positive
• Last Price: 4.51
• 50DMA: Positive
• 100DMA: Positive
• 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 4.51 is above the 20-day moving average (MA) of 4.32, above the 50-day MA of 4.40, and below the 200-day MA of 4.70, indicating a neutral trend. The MACD of 0.04 indicates Negative momentum. The RSI at 55.47 is Neutral, neither overbought nor oversold. The STOCH value of 87.79 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	71 Outperform	$54.60M	11.82	8.21%	3.21%	0.32%	37.93%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
KFFB	52 Neutral	$35.02M	63.12	1.11%	―	15.56%	―
GLBZ	44 Neutral	$13.17M	494.44	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.

The most recent analyst rating on (GLBZ) stock is a Hold with a $4.00 price target. To see the full list of analyst forecasts on Glen Burnie Bancorp stock, see the GLBZ Stock Forecast page.

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.

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.