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Glen Burnie Bancorp (GLBZ)
NASDAQ:GLBZ
US Market

Glen Burnie Bancorp (GLBZ) AI Stock Analysis

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Glen Burnie Bancorp

(NASDAQ:GLBZ)

Rating:48Neutral
Price Target:
$5.00
▼(-0.20%Downside)
The overall score is primarily impacted by financial performance challenges, particularly cash flow issues and operational inefficiencies. The technical analysis gives mixed signals, and the valuation is negatively affected by an extremely high P/E ratio despite a high dividend yield. Improved cash management and operational efficiency are crucial for future performance.

Glen Burnie Bancorp (GLBZ) vs. SPDR S&P 500 ETF (SPY)

Glen Burnie Bancorp Business Overview & Revenue Model

Company DescriptionGlen Burnie Bancorp (GLBZ) is a bank holding company based in Maryland, United States, primarily operating through its subsidiary, The Bank of Glen Burnie. The company offers a range of financial services including deposit products, loans, and other banking services to individuals and businesses within its local community. As a community-focused institution, Glen Burnie Bancorp emphasizes personalized customer service and has a strong presence in the local market.
How the Company Makes MoneyGlen Burnie Bancorp generates revenue primarily through its subsidiary, The Bank of Glen Burnie, by offering traditional banking services. The company's key revenue streams include interest income from loans, which are provided to both individuals and businesses, and interest from securities investments. Additionally, the bank earns non-interest income through fees for services such as account maintenance, transaction processing, and other customer services. Factors contributing to its earnings include its customer base in the local community and the economic conditions of the region it serves. The bank also benefits from partnerships with other financial institutions and service providers to enhance its product offerings.

Glen Burnie Bancorp Financial Statement Overview

Summary
Glen Burnie Bancorp exhibits financial instability with declining profitability and inconsistent revenue growth. While the balance sheet remains relatively solid with low leverage, cash flow challenges and fluctuating net income raise concerns about long-term financial stability.
Income Statement
45
Neutral
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
60
Neutral
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
50
Neutral
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue16.20M16.04M14.11M13.80M13.79M14.31M
Gross Profit11.05M10.81M12.81M12.96M13.69M13.48M
EBITDA-398.00K-399.00K1.73M2.98M4.09M2.22M
Net Income38.00K-112.00K1.43M1.75M2.52M1.67M
Balance Sheet
Total Assets357.97M358.96M351.81M381.44M442.07M419.49M
Cash, Cash Equivalents and Short-Term Investments130.30M99.01M141.47M174.22M218.11M151.14M
Total Debt20.00M30.00M30.00M0.0020.00M29.91M
Total Liabilities338.79M341.14M332.49M365.38M406.35M382.39M
Stockholders Equity19.18M17.82M19.32M16.05M35.72M37.09M
Cash Flow
Free Cash Flow-254.00K-53.00K1.25M1.97M3.37M1.03M
Operating Cash Flow-502.00K28.00K1.40M2.23M3.66M1.60M
Investing Cash Flow-5.96M847.00K17.66M7.01M-1.27M-9.89M
Financing Cash Flow-12.49M8.35M-33.91M-41.33M22.71M32.09M

Glen Burnie Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price5.01
Price Trends
50DMA
4.99
Positive
100DMA
4.99
Positive
200DMA
5.32
Negative
Market Momentum
MACD
-0.04
Negative
RSI
54.59
Neutral
STOCH
75.61
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 5.01 is above the 20-day moving average (MA) of 4.79, above the 50-day MA of 4.99, and below the 200-day MA of 5.32, indicating a neutral trend. The MACD of -0.04 indicates Negative momentum. The RSI at 54.59 is Neutral, neither overbought nor oversold. The STOCH value of 75.61 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

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
$84.01M11.7511.29%5.10%5.81%-22.37%
71
Outperform
$42.47M12.496.24%3.82%-2.69%-21.26%
71
Outperform
$74.54M10.108.10%2.15%5.04%-6.92%
67
Neutral
$16.67B11.469.71%3.91%11.61%-9.60%
50
Neutral
$116.15M-84.06%-10.46%-984.80%
49
Neutral
$22.64M-2.21%3.03%22.56%-78.84%
48
Neutral
$14.45M374.440.21%8.03%13.95%-96.19%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GLBZ
Glen Burnie Bancorp
5.01
1.15
29.79%
HFBL
Home Federal Bancorp Of Louisiana
13.60
2.87
26.75%
KFFB
Kentucky First Federal Bancorp
2.91
-0.19
-6.13%
PNBK
Patriot National Bancorp
1.52
-0.33
-17.84%
UBCP
United Bancorp
14.50
2.93
25.32%
FUSB
First US Bancshares
12.90
3.84
42.38%

Glen Burnie Bancorp Corporate Events

Executive/Board Changes
Glen Burnie Bancorp CFO Retirement Announced
Neutral
Jun 27, 2025

Glen Burnie Bancorp announced that its Chief Financial Officer, Jeffrey D. Harris, will retire on June 30, 2025, prompting the company to begin searching for a replacement. In the interim, Mark C. Hanna, who is currently the President and CEO, will assume the roles of interim Treasurer and interim Principal Accounting Officer starting July 1, 2025. The company has also engaged Artisan Advisors, LLC to provide support to its executive leadership and financial management team during this transition.

Executive/Board Changes
Glen Burnie Bancorp CFO Jeffrey D. Harris to Retire
Neutral
Jun 5, 2025

On June 4, 2025, Glen Burnie Bancorp announced that Jeffrey D. Harris, who has served as the Treasurer and Chief Financial Officer since 2017, plans to retire on June 30, 2025. The company will begin the search for a new Chief Financial Officer, which may impact its financial leadership and strategic direction.

Executive/Board ChangesShareholder Meetings
Glen Burnie Bancorp Holds Annual Stockholders Meeting
Neutral
May 9, 2025

On May 8, 2025, Glen Burnie Bancorp held its Annual Meeting of Stockholders, where key decisions were made regarding the company’s governance and executive compensation. The meeting saw the election of four directors, approval of an independent auditing firm for the fiscal year ending December 31, 2025, and a non-binding resolution on executive compensation. Additionally, it was decided that advisory votes on executive compensation would occur every three years.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

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: Jul 01, 2025