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GLEN BURNIE BANCORP (GLBZ) Stock Fundamental Analysis

NASDAQ:GLBZ - Nasdaq - US3774071019 - Common Stock - Currency: USD

5.21  +0.37 (+7.73%)

Fundamental Rating

2

Overall GLBZ gets a fundamental rating of 2 out of 10. We evaluated GLBZ against 398 industry peers in the Banks industry. The financial health of GLBZ is average, but there are quite some concerns on its profitability. GLBZ is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year GLBZ has reported negative net income.
GLBZ had a positive operating cash flow in the past year.
GLBZ had positive earnings in 4 of the past 5 years.
Of the past 5 years GLBZ 4 years had a positive operating cash flow.
GLBZ Yearly Net Income VS EBIT VS OCF VS FCFGLBZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1M 2M 3M 4M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.03%, GLBZ is doing worse than 90.45% of the companies in the same industry.
GLBZ has a Return On Equity of 0.45%. This is amonst the worse of the industry: GLBZ underperforms 90.20% of its industry peers.
Industry RankSector Rank
ROA 0.03%
ROE 0.45%
ROIC N/A
ROA(3y)0.28%
ROA(5y)0.36%
ROE(3y)5.88%
ROE(5y)5.84%
ROIC(3y)N/A
ROIC(5y)N/A
GLBZ Yearly ROA, ROE, ROICGLBZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8 10

1.3 Margins

GLBZ has a worse Profit Margin (0.78%) than 90.45% of its industry peers.
The Operating Margin and Gross Margin are not available for GLBZ so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 0.78%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
GLBZ Yearly Profit, Operating, Gross MarginsGLBZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

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4

2. Health

2.1 Basic Checks

GLBZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for GLBZ has been increased compared to 1 year ago.
The number of shares outstanding for GLBZ has been increased compared to 5 years ago.
There is no outstanding debt for GLBZ. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
GLBZ Yearly Shares OutstandingGLBZ Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M 2.5M
GLBZ Yearly Total Debt VS Total AssetsGLBZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.2 Solvency

There is no outstanding debt for GLBZ. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC8.9%
GLBZ Yearly LT Debt VS Equity VS FCFGLBZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GLBZ Yearly Current Assets VS Current LiabilitesGLBZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M 2.5M

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0

3. Growth

3.1 Past

The earnings per share for GLBZ have decreased strongly by -107.75% in the last year.
GLBZ shows a decrease in Revenue. In the last year, the revenue decreased by -8.63%.
The Revenue has been decreasing by -2.72% on average over the past years.
EPS 1Y (TTM)-107.75%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-123.32%
Revenue 1Y (TTM)-8.63%
Revenue growth 3Y-2.54%
Revenue growth 5Y-2.72%
Sales Q2Q%-2.98%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
GLBZ Yearly Revenue VS EstimatesGLBZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for GLBZ. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
GLBZ Price Earnings VS Forward Price EarningsGLBZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of GLBZ is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 12.89
EV/EBITDA N/A
GLBZ Per share dataGLBZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

GLBZ has a Yearly Dividend Yield of 7.68%, which is a nice return.
Compared to an average industry Dividend Yield of 3.70, GLBZ pays a better dividend. On top of this GLBZ pays more dividend than 97.49% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.52, GLBZ pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.68%

5.2 History

The dividend of GLBZ decreases each year by -0.13%.
GLBZ has been paying a dividend for at least 10 years, so it has a reliable track record.
As GLBZ did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)-0.13%
Div Incr Years0
Div Non Decr Years8
GLBZ Yearly Dividends per shareGLBZ Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 0 0 0 0

5.3 Sustainability

1215.79% of the earnings are spent on dividend by GLBZ. This is not a sustainable payout ratio.
DP1215.79%
EPS Next 2YN/A
EPS Next 3YN/A
GLBZ Yearly Income VS Free CF VS DividendGLBZ Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1M 2M 3M
GLBZ Dividend Payout.GLBZ Dividend Payout, showing the Payout Ratio.GLBZ Dividend Payout.PayoutRetained Earnings

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GLEN BURNIE BANCORP

NASDAQ:GLBZ (4/17/2025, 8:24:54 PM)

5.21

+0.37 (+7.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-13 2025-02-13
Earnings (Next)04-30 2025-04-30
Inst Owners7%
Inst Owner Change0%
Ins Owners14.4%
Ins Owner Change1.4%
Market Cap15.11M
Analysts0
Price TargetN/A
Short Float %0.29%
Short Ratio1.06
Dividend
Industry RankSector Rank
Dividend Yield 7.68%
Yearly Dividend0.4
Dividend Growth(5Y)-0.13%
DP1215.79%
Div Incr Years0
Div Non Decr Years8
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.24
P/FCF 12.89
P/OCF 11.4
P/B 0.71
P/tB 0.71
EV/EBITDA N/A
EPS(TTM)-0.04
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.4
FCFY7.76%
OCF(TTM)0.46
OCFY8.77%
SpS4.2
BVpS7.3
TBVpS7.3
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.03%
ROE 0.45%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 0.78%
GM N/A
FCFM 9.61%
ROA(3y)0.28%
ROA(5y)0.36%
ROE(3y)5.88%
ROE(5y)5.84%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 62.96%
Cap/Sales 1.25%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 1233.68%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.9%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-107.75%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-123.32%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.63%
Revenue growth 3Y-2.54%
Revenue growth 5Y-2.72%
Sales Q2Q%-2.98%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-38.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-36.3%
OCF growth 3YN/A
OCF growth 5YN/A