Glen Burnie Bancorp (GLBZ)
OTHER OTC:GLBZ
Top Page
Glen Burnie Bancorp
(OTC:GLBZ)
Select Model
Select Model
Rating:51Neutral
Price Target:
$5.00
▲(10.86% Upside)
Action:ReiteratedDate:04/09/26
The score is held back primarily by weak financial quality (return to losses and negative operating/free cash flow), with some offset from improved leverage and a modestly positive technical trend (price above key moving averages). Valuation is also a headwind due to negative earnings and no stated dividend yield.
Positive Factors
Community banking franchise
A focused local franchise implies durable deposit relationships, deep community ties, and repeat business from small businesses and consumers. This supports stable core deposit funding, predictable fee income, and resilience versus transient market flows over the next several months.
Negative Factors
Return to loss
A return to slight losses erodes retained capital and undermines the bank's ability to rebuild reserves or fund growth internally. If losses persist, the bank may need external capital or reduce lending, constraining durable growth and risk-absorption capacity.
Read all positive and negative factors
Positive Factors
Negative Factors
Community banking franchise
A focused local franchise implies durable deposit relationships, deep community ties, and repeat business from small businesses and consumers. This supports stable core deposit funding, predictable fee income, and resilience versus transient market flows over the next several months.
Read all positive factors
Glen Burnie Bancorp (GLBZ) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$14.10M
Dividend YieldN/A
Average Volume (3M)4.07K
Price to Earnings (P/E)―
Beta (1Y)0.12
Revenue Growth5.76%
EPS Growth-72.73%
CountryUS
Employees89
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-0.03
Shares Outstanding2,919,695
10 Day Avg. Volume6,677
30 Day Avg. Volume4,067
Financial Highlights & Ratios
PEG Ratio5.74
Price to Book (P/B)0.58
Price to Sales (P/S)0.73
P/FCF Ratio-13.62
Enterprise Value/Market Cap1.16
Enterprise Value/Revenue0.96
Enterprise Value/Gross Profit1.32
Enterprise Value/Ebitda-171.84
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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...
How the Company Makes Money
The company primarily makes money through its banking subsidiary by earning net interest income: it pays interest on deposits and other funding sources and earns higher interest and fees on loans and interest-earning assets (e.g., securities), cap...
Glen Burnie Bancorp Financial Statement Overview
Summary
Income Statement
42
Neutral
Balance Sheet
55
Neutral
Cash Flow
30
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 17.07M | 16.04M | 14.11M | 13.80M | 13.79M |
| Gross Profit | 12.88M | 10.81M | 12.81M | 12.96M | 13.69M |
| EBITDA | -371.00K | -399.00K | 1.73M | 2.98M | 4.09M |
| Net Income | -29.00K | -112.00K | 1.43M | 1.75M | 2.52M |
Balance Sheet | |||||
| Total Assets | 359.92M | 358.96M | 351.81M | 381.44M | 442.07M |
| Cash, Cash Equivalents and Short-Term Investments | 1.78M | 99.01M | 141.47M | 174.22M | 218.11M |
| Total Debt | 4.00M | 30.00M | 30.00M | 0.00 | 20.00M |
| Total Liabilities | 338.49M | 341.14M | 332.49M | 365.38M | 406.35M |
| Stockholders Equity | 21.43M | 17.82M | 19.32M | 16.05M | 35.72M |
Cash Flow | |||||
| Free Cash Flow | -910.00K | -53.00K | 1.25M | 1.97M | 3.37M |
| Operating Cash Flow | -791.00K | 28.00K | 1.40M | 2.23M | 3.66M |
| Investing Cash Flow | -15.36M | 847.00K | 17.66M | 7.01M | -1.27M |
| Financing Cash Flow | -2.81M | 8.35M | -33.91M | -41.33M | 22.71M |
Glen Burnie Bancorp Technical Analysis
Positive
4.51
Price Trends
4.68
Positive
4.52
Positive
4.58
Positive
Market Momentum
0.03
Negative
53.22
Neutral
47.86
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 4.51 is below the 20-day moving average (MA) of 4.76, below the 50-day MA of 4.68, and below the 200-day MA of 4.58, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 53.22 is Neutral, neither overbought nor oversold. The STOCH value of 47.86 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
UnderperformOutperform
Sector (68)
GLBZ
Glen Burnie Bancorp
4.83
-0.22
-4.36%
CARV
Carver Bancorp
1.69
0.25
17.57%
HFBL
Home Federal Bancorp Of Louisiana
18.20
5.57
44.11%
KFFB
Kentucky First Federal Bancorp
4.41
1.59
56.38%
MBBC
Marathon Bancorp
13.25
3.63
37.73%
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.