GLBZOTCState Commercial BanksFiscal year ends December 31
GLEN BURNIE BANCORP
Financials through Q3 FY2025, quarter ended Sep 30, 2025Last filing: 10-Q on Nov 14, 2025
$4.36−0.24 (-5.27%)
Close on Oct 19, 2026
- Market cap
- $12.72M
- P/E (TTM)
- –
- Dividend yield
- 4.59%
Margins
Share of revenue, fiscal years 2010 to 2024
Net margin
-0.9%−12.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2024
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -8.6% | -2.5% | -2.7% | -1.9% | |
| Dividend per share | -50.0% | -20.6% | -12.9% | -6.7% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2015 | FY2019 | FY2024 | Trend |
|---|---|---|---|---|
| Return on equity | 4.0% | 4.6% | -0.6% | |
| Return on assets | 0.3% | 0.4% | -0.0% | |
| Capex to revenue | 0.6% | 2.4% | 0.7% | |
| Diluted shares | 3M | 3M | 3M |
Where the cash went
Fiscal 2020 to 2024, five years combined
Glen Burnie Bancorp generated $8.91M from operations and spent $6.78M on capital expenditure, dividends and share buybacks. 20% of that went back into the business.
Generated
$8.91M
Used
$6.78M
Capital expenditure$1.35M20%Dividends$5.43M80%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin-0.9%
×Asset turnover0.03×
×Equity multiplier19.14×
=Return on equity, FY2024-0.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2024 | -0.9% | 0.03× | 19.14× | -0.6% |
| FY2023 | 10.8% | 0.04× | 20.73× | 8.1% |
| FY2022 | 13.2% | 0.03× | 15.91× | 6.7% |
| FY2021 | 19.3% | 0.03× | 11.83× | 6.9% |
| FY2020 | 12.7% | 0.03× | 11.05× | 4.6% |
| FY2019 | 11.5% | 0.03× | 11.44× | 4.6% |
| FY2018 | 2108.6% | 0.00× | 11.79× | 4.6% |
| FY2017 | 1308.5% | 0.00× | 11.46× | 2.7% |
| FY2016 | 8.6% | 0.03× | 11.46× | 3.2% |
| FY2015 | 9.5% | 0.04× | 11.55× | 4.0% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2024 against fiscal 2023
2of 6 tests passed in fiscal 2024. Some tests lack the figures they need.
- ProfitableNet income above zero-$111.56K
- Cash generatingOperating cash flow above zero$28.00K
- Return on assets improvedROA up on the prior year0.4% → -0.0%
- Earnings backed by cashOperating cash flow above net income$28.00K vs -$111.56K
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise3M → 3M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.03