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GLBZGlen Burnie Bancorp
$4.52$13M
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GLBZ logoGlen Burnie Bancorp(GLBZ)Earnings, Financials & Key Ratios

GLBZ•NASDAQ•Banking & Credit
Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutGlen 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 savings accounts, money market deposit accounts, demand deposit accounts, NOW checking accounts, and IRA and SEP accounts, as well as certificates of deposit. It also provides residential and commercial real estate, construction, land acquisition and development, and secured and unsecured commercial loans, as well as consumer installment lending, such as indirect automobile lending services; and residential first and second mortgage loans, home equity lines of credit, and commercial mortgage loans. In addition, the company offers ancillary products and services comprising safe deposit boxes, money orders, night depositories, automated clearinghouse transactions, and automated teller machine (ATM) services, as well as electronic banking services that include telephone banking, online banking, bill pay, card control, mobile app, merchant source capture, mobile deposit capture, Zelle, etc. Further, it provides treasury services, including wire transfer and ACH services, and debit cards. Additionally, the company engages in the business of acquiring, holding, and disposing of real property. It serves customers in northern Anne Arundel county and surrounding areas from its main office and branch in Glen Burnie, Maryland; and branch offices in Odenton, Riviera Beach, Crownsville, Severn, Linthicum, and Severna Park, Maryland. The company also has a remote ATM located in Pasadena, Maryland. Glen Burnie Bancorp was founded in 1949 and is based in Glen Burnie, Maryland.Show more
  • Net Interest Income$11M-9.8%
  • Total Revenue$16M+13.7%
  • Net Income-$112K-107.8%
  • Return on Equity-0.6%-107.5%
  • Net Interest Margin3.05%-11.6%
  • Efficiency Ratio71.39%-11.0%
  • ROA-0.03%-108.1%
  • Equity / Assets4.96%-9.6%
  • Book Value per Share6.16-8.5%

GLBZ Key Insights

Glen Burnie Bancorp (GLBZ) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Trading at only 0.7x book value

✗Weaknesses

  • ✗Weak 3Y average ROE of 4.7%
  • ✗Thin capital base

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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GLBZ Price & Volume

Glen Burnie Bancorp (GLBZ) stock price & volume — 10-year historical chart

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GLBZ Growth Metrics

Glen Burnie Bancorp (GLBZ) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-0.69%
5 Years0.81%
3 Years5.17%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-72.63%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-73.56%

Return on Capital

10 Years4.49%
5 Years4.89%
3 Years3.72%
Last Year-3.07%

GLBZ Recent Earnings

Glen Burnie Bancorp (GLBZ) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
Q2 2026Latest
May 1, 2026
Metric
Actual
Est
EPS
$0.03
—
Rev
$5M
—
Q4 2025
Dec 31, 2025
Metric
Actual
Est
EPS
$0.03
—
Rev
$5M
—
Q4 2025
Oct 31, 2025
Metric
Actual
Est
EPS
$0.04
—
Rev
—
—
Q3 2025
Jul 29, 2025
Metric
Actual
Est
EPS
$0.07
—
Rev
$4M
—
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 1, 2026
$0.03
$5M
Q4 2025Dec 31, 2025
$0.03
$5M
Q4 2025Oct 31, 2025
$0.04
—
Q3 2025Jul 29, 2025
$0.07
$4M
Based on last 12 quarters of dataView full earnings history →

GLBZ Peer Comparison

Glen Burnie Bancorp (GLBZ) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor205.47M21.3414.62-9.41%16.01%7.81%0.28
FUNC logoFUNCFirst United CorporationDirect Competitor276.83M42.5811.296.6%20.51%12.61%0.56
MNSB logoMNSBMainStreet Bancshares, Inc.Direct Competitor175.75M23.8613.56-1.44%11.53%7.26%0.32
CZFS logoCZFSCitizens Financial Services, Inc.Direct Competitor326.7M67.968.922.75%21.09%11.36%0.92
FXNC logoFXNCFirst National CorporationProduct Competitor265.44M29.3614.9827.11%15.35%9.98%0.23
NKSH logoNKSHNational Bankshares, Inc.Product Competitor224.8M35.3014.187.88%18.57%9.04%0.01
BWFG logoBWFGBankwell Financial Group, Inc.Product Competitor447.93M56.1812.626.13%16.95%12.21%0.60
CHMG logoCHMGChemung Financial CorporationProduct Competitor341.44M70.9722.67-6.46%10.79%6.27%0.02

Compare GLBZ vs Peers

Glen Burnie Bancorp (GLBZ) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for GLBZ.

Scale Benchmark

vs FIS

Larger-name benchmark to compare GLBZ against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, FUNC, MNSB, CZFS

GLBZ Income Statement

Glen Burnie Bancorp (GLBZ) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Net Interest Income
11.16M11.67M12.59M12.59M12.15M12.44M11.86M12.13M10.94M10.89M
NII Growth %
-0.51%4.59%7.89%-0.03%-3.44%2.38%-4.69%2.33%-9.84%-6.18%
Net Interest Margin %
2.87%3%3.05%3.27%2.9%2.81%3.11%3.45%3.05%3.1%
Interest Income
13.28M13.61M14.69M14.51M13.67M13.52M12.71M13.34M15.21M15.4M
Interest Expense
2.12M1.94M2.1M1.93M1.51M1.07M853K1.2M4.27M4.5M
Loan Loss Provision
868K336K856K-115K-689K-975K-5K92K955K159K
Non-Interest Income
1.12M972K1.08M892K640K270K1.09M769K826K937K
Non-Interest Income %
7.8%6.67%6.84%5.79%4.47%1.96%7.92%5.45%5.15%5.74%
Total Revenue
14.4M▲ 0%
14.58M▲ 1.2%
15.77M▲ 8.2%
15.41M▼ 2.3%
14.31M▼ 7.1%
13.79M▼ 3.6%
13.8M▲ 0.1%
14.11M▲ 2.2%
16.04M▲ 13.7%
16.34M▲ 0%
Revenue Growth %
-13.3%1.21%8.18%-2.31%-7.12%-3.65%0.13%2.18%13.7%23.64%
Non-Interest Expense
10.39M10.48M11.1M11.54M11.32M10.6M10.97M11.31M11.45M11.93M
Efficiency Ratio
72.17%71.9%70.38%74.93%79.14%76.85%79.48%80.19%71.39%73.03%
Operating Income
1.02M▲ 0%
1.82M▲ 79.2%
1.71M▼ 6.1%
2.05M▲ 19.7%
2.16M▲ 5.3%
3.09M▲ 43.3%
1.99M▼ 35.8%
1.5M▼ 24.4%
-637K▼ 142.4%
-259K▲ 0%
Operating Margin %
7.07%12.51%10.86%13.31%15.09%22.43%14.38%10.64%-3.97%-1.59%
Operating Income Growth %
-36.28%79.17%-6.09%19.73%5.27%43.26%-35.82%-24.38%-142.44%-
Pretax Income
1.02M▲ 0%
1.82M▲ 79.2%
1.71M▼ 6.1%
2.05M▲ 19.7%
2.16M▲ 5.3%
3.09M▲ 43.3%
1.99M▼ 35.8%
1.5M▼ 24.4%
-637K▼ 142.4%
-259K▲ 0%
Pretax Margin %
7.07%12.51%10.86%13.31%15.09%22.43%14.38%10.64%-3.97%-1.59%
Income Tax
-83K913K130K452K491K577K240K72K-525K-285K
Effective Tax Rate %
-8.15%50.05%7.59%22.04%22.74%18.66%12.09%4.8%82.42%110.04%
Net Income
1.1M▲ 0%
911K▼ 17.3%
1.58M▲ 73.8%
1.6M▲ 1.0%
1.67M▲ 4.3%
2.52M▲ 50.8%
1.75M▼ 30.6%
1.43M▼ 18.1%
-112K▼ 107.8%
26K▲ 0%
Net Margin %
7.64%6.25%10.04%10.38%11.66%18.25%12.64%10.13%-0.7%0.16%
Net Income Growth %
-18.6%-17.26%73.77%1.01%4.32%50.84%-30.64%-18.11%-107.84%-72.63%
Net Income (Continuing)
1.1M911K1.58M1.6M1.67M2.52M1.75M1.43M-112K26K
EPS (Diluted)
0.40▲ 0%
0.33▼ 17.5%
0.56▲ 69.7%
0.57▲ 1.8%
0.59▲ 3.5%
0.88▲ 49.2%
0.61▼ 30.7%
0.50▼ 18.0%
-0.04▼ 107.7%
0.01▲ 0%
EPS Growth %
-18.37%-17.5%69.7%1.79%3.51%49.15%-30.68%-18.03%-107.74%-73.56%
EPS (Basic)
0.400.330.560.570.590.880.610.50-0.04-
Diluted Shares Outstanding
2.78M2.79M2.81M2.82M2.84M2.85M2.86M2.87M2.89M2.9M

GLBZ Balance Sheet

Glen Burnie Bancorp (GLBZ) balance sheet — assets, liabilities & shareholders' equity

MetricDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash & Short Term Investments
105.23M101.95M97.53M84.78M151.14M218.11M174.22M141.47M99.01M462.91M
Cash & Due from Banks
10.62M12.61M15.95M13.29M37.09M62.18M30.09M15.24M24.46M12.23M
Short Term Investments
94.61M89.35M81.57M71.49M114.05M155.93M144.13M126.23M74.55M104.14M
Total Investments
357.18M358.37M378.15M354.16M366.35M363.85M328.41M300.38M276.93M316.89M
Investments Growth %
-0.35%0.33%5.52%-6.34%3.44%-0.68%-9.74%-8.54%-7.81%-8.09%
Long-Term Investments
262.57M269.02M296.58M282.67M252.3M207.92M184.28M174.15M202.38M830.61M
Accounts Receivables
1.14M1.13M1.2M961K1.3M1.08M1.16M1.19M1.34M1.34M
Goodwill & Intangibles
000000000317K
Goodwill
000000000317K
Intangible Assets
0000000000
PP&E (Net)
3.64M3.37M3.11M3.76M3.85M3.56M3.28M3.05M2.68M2.46M
Other Assets
11.49M10.64M11.6M10.47M10.32M9.78M9.1M23.46M44.37M-213.07M
Total Current Assets
107.58M103.98M100.37M87.36M152.88M219.84M175.88M143.26M100.98M107.84M
Total Non-Current Assets
280.86M285.46M312.68M297.58M266.61M222.22M205.56M208.56M257.98M9.94M
Total Assets
388.43M▲ 0%
389.45M▲ 0.3%
413.05M▲ 6.1%
384.94M▼ 6.8%
419.49M▲ 9.0%
442.07M▲ 5.4%
381.44M▼ 13.7%
351.81M▼ 7.8%
358.96M▲ 2.0%
351.79M▲ 0%
Asset Growth %
-0.55%0.26%6.06%-6.8%8.97%5.38%-13.72%-7.77%2.03%-7.09%
Return on Assets (ROA)
0.28%0.23%0.39%0.4%0.41%0.58%0.42%0.39%-0.03%0.01%
Accounts Payable
34.12K000000000
Total Debt
20M20M55M25M29.91M20M030M30M0
Net Debt
9.38M7.39M39.05M11.71M-7.18M-42.18M-30.09M14.76M5.54M-12.23M
Long-Term Debt
10M000010M0000
Short-Term Debt
10M20M55M25M29.91M10M030M30M0
Other Liabilities
334.88K335K285K317K285K304K317K2.42M1.95M2M
Total Current Liabilities
344.29M355.07M378.71M348.94M382.11M396.05M365.06M330.07M339.19M329.07M
Total Non-Current Liabilities
10.33M335K285K317K285K10.3M317K2.42M1.95M2M
Total Liabilities
354.62M355.41M379M349.26M382.39M406.35M365.38M332.49M341.14M331.06M
Total Equity
33.81M▲ 0%
34.04M▲ 0.7%
34.05M▲ 0.0%
35.68M▲ 4.8%
37.09M▲ 4.0%
35.72M▼ 3.7%
16.05M▼ 55.1%
19.32M▲ 20.4%
17.82M▼ 7.8%
20.73M▲ 0%
Equity Growth %
-1.06%0.67%0.03%4.78%3.96%-3.71%-55.05%20.38%-7.8%4.33%
Equity / Assets (Capital Ratio)
8.71%8.74%8.24%9.27%8.84%8.08%4.21%5.49%4.96%5.89%
Return on Equity (ROE)
3.24%2.69%4.65%4.59%4.58%6.91%6.74%8.08%-0.6%0.14%
Book Value per Share
12.1612.1812.1312.6513.0812.545.616.736.167.15
Tangible BV per Share
12.1612.1812.1312.6513.0812.545.616.736.167.04
Common Stock
2.79M2.8M2.81M2.83M2.84M2.85M2.87M2.88M2.9M2.92M
Additional Paid-in Capital
10.13M10.27M10.4M10.53M10.64M10.76M10.86M10.96M11.04M11.12M
Retained Earnings
21.71M21.61M22.07M22.54M23.07M22.98M23.58M23.86M22.88M22.95M
Accumulated OCI
-810K-631K-1.23M-209K540K-874K-21.25M-18.38M-19M-16.17M
Treasury Stock
0000000000
Preferred Stock
0000000000

GLBZ Cash Flow Statement

Glen Burnie Bancorp (GLBZ) cash flow — operating, investing & free cash flow history

MetricDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash from Operations
2.59M3.67M4.14M2.99M1.6M3.66M2.23M1.4M28K-1.95M
Operating CF Growth %
20.95%41.99%12.64%-27.66%-46.46%128.21%-39.14%-37.12%-98%-1007.03%
Net Income
1.1M911K1.58M1.6M1.67M2.52M1.75M1.43M-112K26K
Depreciation & Amortization
1.19M925K1.07M932K59K995K994K227K238K269K
Deferred Taxes
-147K442K1.26M333K245K282K-210K-84K-415K0
Other Non-Cash Items
900K439K558K-113K-559K-401K97K-12K1.01M-1.88M
Working Capital Changes
-460K954K-339K241K189K264K-401K-161K-693K-377K
Cash from Investing
-1.43M-1.71M-23.03M26.35M-9.89M-1.27M7.01M17.66M847K6.91M
Purchase of Investments
-20.73M-13.83M-5.44M-20.96M-66.94M-102.87M-31.54M-9.75M00
Sale/Maturity of Investments
23.27M19.1M11.55M32.58M26.32M57.38M14.21M18.52M30.45M15.12M
Net Investment Activity
2.53M5.28M6.11M11.62M-40.62M-45.49M-17.33M8.78M30.45M15.12M
Acquisitions
0000000000
Other Investing
-3.63M-6.79M-28.93M15.06M31.3M44.5M24.6M9.04M-29.53M-8.26M
Cash from Financing
-2.91M25K22.24M-32M32.09M22.71M-41.33M-33.91M8.35M-15.2M
Dividends Paid
-1.11M-1.12M-1.12M-1.13M-1.13M-1.14M-1.14M-1.15M-865K1K
Share Repurchases
0000000000
Stock Issued
0000000000
Net Stock Activity
0000000000
Debt Issuance (Net)
001000K-1000K1000K-1000K-1000K1000K0-3M
Other Financing
-1.79M1.14M-11.64M-876K28.31M33.76M-20.18M-62.76M9.21M14.8M
Net Change in Cash
-1.75M▲ 0%
1.98M▲ 213.4%
3.35M▲ 68.9%
-2.66M▼ 179.5%
23.8M▲ 993.5%
25.09M▲ 5.4%
-32.09M▼ 227.9%
-14.85M▲ 53.7%
9.22M▲ 162.1%
-10.23M▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
12.37M10.62M12.61M15.95M13.29M37.09M62.18M30.09M15.24M12.67M
Cash at End
10.62M12.61M15.95M13.29M37.09M62.18M30.09M15.24M24.46M12.23M
Interest Paid
2.13M1.87M2.05M1.98M1.6M1.08M856K1.13M4.2M4.32M
Income Taxes Paid
0152K0160K0480K0436K00
Free Cash Flow
2.26M▲ 0%
3.47M▲ 53.6%
3.93M▲ 13.3%
2.66M▼ 32.4%
1.03M▼ 61.3%
3.37M▲ 227.4%
1.97M▼ 41.6%
1.25M▼ 36.7%
-53K▼ 104.3%
-1.77M▲ 0%
FCF Growth %
10.25%53.57%13.27%-32.37%-61.26%227.41%-41.56%-36.67%-104.25%-250.94%

GLBZ Banking Ratios

Glen Burnie Bancorp (GLBZ) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201620172018201920202021202220232024TTM
Return on Equity (ROE)
3.24%2.69%4.65%4.59%4.58%6.91%6.74%8.08%-0.6%0.14%
Return on Assets (ROA)
0.28%0.23%0.39%0.4%0.41%0.58%0.42%0.39%-0.03%0.01%
Net Interest Margin
2.87%3%3.05%3.27%2.9%2.81%3.11%3.45%3.05%3.1%
Efficiency Ratio
72.17%71.9%70.38%74.93%79.14%76.85%79.48%80.19%71.39%73.03%
Equity / Assets
8.71%8.74%8.24%9.27%8.84%8.08%4.21%5.49%4.96%5.89%
Book Value / Share
12.1612.1812.1312.6513.0812.545.616.736.167.15
NII Growth
-0.51%4.59%7.89%-0.03%-3.44%2.38%-4.69%2.33%-9.84%-1.59%
Dividend Payout
101%122.61%70.88%70.54%67.99%45.23%65.5%80.41%-3.85%
Related:GLBZ Dividend History·GLBZ Revenue History·GLBZ Price History·GLBZ P/E History·GLBZ Financial Ratios·GLBZ Institutional Holders

GLBZ Frequently Asked Questions

Glen Burnie Bancorp (GLBZ) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Glen Burnie Bancorp (GLBZ) grew revenue by 13.7% over the past year. This is steady growth.

Yes, Glen Burnie Bancorp (GLBZ) is profitable, generating $0.0M in net income for fiscal year 2024 (-0.7% net margin).

Dividend & Returns

Yes, Glen Burnie Bancorp (GLBZ) pays a dividend with a yield of 6.61%. This makes it attractive for income-focused investors.

Glen Burnie Bancorp (GLBZ) has a return on equity (ROE) of -0.6%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Glen Burnie Bancorp (GLBZ) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.

Glen Burnie Bancorp (GLBZ) has an efficiency ratio of 71.4%. This is higher than peers, suggesting room for cost optimization.

What if you invested $1,000 in GLBZ back in 1995?

Total return calculator · dividends reinvested · 31+ years of data

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How much would $100/month in GLBZ be worth today?

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