Glen Burnie Bancorp (GLBZ) AI Stock Analysis

• Market Cap: $13.60M
• Dividend Yield: N/A
• Average Volume (3M): 4.07K
• Price to Earnings (P/E): 521.1
• Beta (1Y): 0.07
• 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: 2,900,681
• 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: 1.91
• 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: 46 Neutral
• Price Target: $4.50 ▲(8.96% Upside)

The overall stock score of 46.25 reflects significant financial challenges, with declining revenue and profitability, and concerning cash flow issues. The technical analysis provides mixed signals, with some short-term weakness and medium-term strength. The valuation is a major concern due to the extremely high P/E ratio, suggesting the stock may be overvalued. The absence of earnings call data and corporate events means these factors do not influence the score.

Positive Factors

Community Partnerships

Strong community partnerships enhance customer loyalty and drive deposit growth, supporting long-term revenue stability and market presence.

Revenue Growth

Consistent revenue growth reflects successful business strategies and expanding market reach, crucial for long-term sustainability.

Moderate Leverage

Moderate leverage indicates prudent financial management, providing flexibility for future growth and investment opportunities.

Negative Factors

Profitability Challenges

Low profitability margins suggest operational inefficiencies and may limit the company's ability to reinvest in growth initiatives.

Cash Flow Issues

Negative cash flow poses risks to financial stability, potentially affecting the company's ability to fund operations and growth.

Declining Margins

Declining margins indicate challenges in cost management and pricing power, which could hinder long-term profitability.

Glen Burnie Bancorp Business Overview & Revenue Model

Company Description

Glen Burnie Bancorp (GLBZ) is a financial holding company based in Glen Burnie, Maryland, primarily engaged in the provision of banking services through its wholly-owned subsidiary, Glen Burnie Bank. The company operates in the banking sector, offering a range of financial products and services, including personal and commercial banking, mortgage lending, and investment services. Its core focus is on serving individuals, small businesses, and local communities by providing tailored banking solutions to meet diverse financial needs.

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: 4.13
• 50DMA: Negative
• 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 Negative. The current price of 4.13 is below the 20-day moving average (MA) of 4.48, below the 50-day MA of 4.59, and below the 200-day MA of 4.79, indicating a bearish trend. The MACD of -0.09 indicates Positive momentum. The RSI at 31.70 is Neutral, neither overbought nor oversold. The STOCH value of 26.81 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	78 Outperform	$48.61M	10.75	8.21%	3.40%	0.32%	37.93%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
KFFB	52 Neutral	$32.23M	178.70	1.11%	―	15.56%	―
GLBZ	46 Neutral	$13.60M	521.11	0.09%	―	5.76%	-72.73%

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 Reports Q2 2025 Financial Results

Glen Burnie Bancorp, a bank holding company based in Maryland, operates through its subsidiary, The Bank of Glen Burnie, providing commercial and retail banking services including loans and deposits.