StockData

Glen Burnie Bancorp (GLBZ) stock analysis

GLBZOTCState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2025, quarter ended Sep 30, 2025Last filing: 10-Q on Nov 14, 2025Score 3/30
$4.36−0.24 (-5.27%)

Close on Oct 19, 2026Market cap $12.72MP/E –Yield 4.59%

StockData Score

Prices as of Nov 12, 2026How the score works

Value0Growth0Performance0Health3Dividend0

Weak3 of 30 checks passed

Glen Burnie Bancorp passes 3 of the 30 checks behind our score; 17 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
0/6
Past performance
0/6
Financial health
3/6
Dividend
0/6

What stands out

  • Loans funded by deposits

    Loans equal 64.7% of deposits, so lending is funded by customer deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is 1.2% of loans; we look for at least 1%.

  • Deposits growing

    Deposits grew 4.7% over the past year.

What to watch

  • Return on equity under 15%

    Return on equity was 0.1% over the last twelve months and averaged 5.1% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew -2.5% a year over the last three fiscal years, short of the 10% we look for.

  • Thin capital

    Equity is 5.9% of total assets; 8% or more is a comfortable cushion.

  • Growing slower than the industry

    Revenue grew 0.2% over the last twelve months; the Commercial Banks median is 11.3%.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S against the industry

    Not enough revenue data to compare.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth0/6

  • Revenue growing under 10% a year

    Revenue grew -2.5% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing slower than the industry

    Revenue grew 0.2% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance0/6

  • Return on equity under 15%

    Return on equity was 0.1% over the last twelve months and averaged 5.1% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was 0.0%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Glen Burnie Bancorp's return on equity of 0.1% is below the Commercial Banks median of 11.5%.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin below its 5-year average

    Net margin was 0.2% over the last twelve months, against a 5-year average of 11.0%.

  • Net margin below the industry

    Glen Burnie Bancorp's net margin of 0.2% is below the Commercial Banks median of 30.3%.

Financial health3/6

  • Thin capital

    Equity is 5.9% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 64.7% of deposits, so lending is funded by customer deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is 1.2% of loans; we look for at least 1%.

  • High cost base

    Non-interest expense takes 103% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 4.7% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend0/6

  • No dividend

    Glen Burnie Bancorp has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Glen Burnie Bancorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 13.7
  • Commercial Banks median 12.0

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Margins

Share of revenue, fiscal years 2010 to 2024

Net margin

-0.9%−12.4 pts over 5 years

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