Glen Burnie Bancorp (GLBZ) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Glen Burnie Bancorp (GLBZ) stock price & volume — 10-year historical chart
Glen Burnie Bancorp (GLBZ) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Glen Burnie Bancorp (GLBZ) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 1, 2026 | $0.03 | $5M |
| Q4 2025 | Dec 31, 2025 | $0.03 | $5M |
| Q4 2025 | Oct 31, 2025 | $0.04 | — |
| Q3 2025 | Jul 29, 2025 | $0.07 | $4M |
Glen Burnie Bancorp (GLBZ) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
Glen Burnie Bancorp (GLBZ) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Glen Burnie Bancorp (GLBZ) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 11.16M | 11.67M | 12.59M | 12.59M | 12.15M | 12.44M | 11.86M | 12.13M | 10.94M | 10.89M |
| 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 | 13.28M | 13.61M | 14.69M | 14.51M | 13.67M | 13.52M | 12.71M | 13.34M | 15.21M | 15.4M |
| Interest Expense | 2.12M | 1.94M | 2.1M | 1.93M | 1.51M | 1.07M | 853K | 1.2M | 4.27M | 4.5M |
| Loan Loss Provision | 868K | 336K | 856K | -115K | -689K | -975K | -5K | 92K | 955K | 159K |
| Non-Interest Income | 1.12M | 972K | 1.08M | 892K | 640K | 270K | 1.09M | 769K | 826K | 937K |
| 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 | 10.39M | 10.48M | 11.1M | 11.54M | 11.32M | 10.6M | 10.97M | 11.31M | 11.45M | 11.93M |
| 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 | -83K | 913K | 130K | 452K | 491K | 577K | 240K | 72K | -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) | 1.1M | 911K | 1.58M | 1.6M | 1.67M | 2.52M | 1.75M | 1.43M | -112K | 26K |
| 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) | 0.40 | 0.33 | 0.56 | 0.57 | 0.59 | 0.88 | 0.61 | 0.50 | -0.04 | - |
| Diluted Shares Outstanding | 2.78M | 2.79M | 2.81M | 2.82M | 2.84M | 2.85M | 2.86M | 2.87M | 2.89M | 2.9M |
Glen Burnie Bancorp (GLBZ) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 105.23M | 101.95M | 97.53M | 84.78M | 151.14M | 218.11M | 174.22M | 141.47M | 99.01M | 453.05M |
| Cash & Due from Banks | 10.62M | 12.61M | 15.95M | 13.29M | 37.09M | 62.18M | 30.09M | 15.24M | 24.46M | 2.36M |
| Short Term Investments | 94.61M | 89.35M | 81.57M | 71.49M | 114.05M | 155.93M | 144.13M | 126.23M | 74.55M | 104.14M |
| Total Investments | 357.18M | 358.37M | 378.15M | 354.16M | 366.35M | 363.85M | 328.41M | 300.38M | 276.93M | 104.14M |
| Investments Growth % | -0.35% | 0.33% | 5.52% | -6.34% | 3.44% | -0.68% | -9.74% | -8.54% | -7.81% | -73.71% |
| Long-Term Investments | 262.57M | 269.02M | 296.58M | 282.67M | 252.3M | 207.92M | 184.28M | 174.15M | 202.38M | 830.61M |
| Accounts Receivables | 1.14M | 1.13M | 1.2M | 961K | 1.3M | 1.08M | 1.16M | 1.19M | 1.34M | 1.34M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 317K |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 317K |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 3.64M | 3.37M | 3.11M | 3.76M | 3.85M | 3.56M | 3.28M | 3.05M | 2.68M | 2.46M |
| Other Assets | 11.49M | 10.64M | 11.6M | 10.47M | 10.32M | 9.78M | 9.1M | 23.46M | 44.37M | -213.07M |
| Total Current Assets | 107.58M | 103.98M | 100.37M | 87.36M | 152.88M | 219.84M | 175.88M | 143.26M | 100.98M | 107.84M |
| Total Non-Current Assets | 280.86M | 285.46M | 312.68M | 297.58M | 266.61M | 222.22M | 205.56M | 208.56M | 257.98M | 9.94M |
| 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 | 34.12K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 20M | 20M | 55M | 25M | 29.91M | 20M | 0 | 30M | 30M | 281K |
| Net Debt | 9.38M | 7.39M | 39.05M | 11.71M | -7.18M | -42.18M | -30.09M | 14.76M | 5.54M | -2.36M |
| Long-Term Debt | 10M | 0 | 0 | 0 | 0 | 10M | 0 | 0 | 0 | 0 |
| Short-Term Debt | 10M | 20M | 55M | 25M | 29.91M | 10M | 0 | 30M | 30M | 63K |
| Other Liabilities | 334.88K | 335K | 285K | 317K | 285K | 304K | 317K | 2.42M | 1.95M | 331.06M |
| Total Current Liabilities | 344.29M | 355.07M | 378.71M | 348.94M | 382.11M | 396.05M | 365.06M | 330.07M | 339.19M | 329.07M |
| Total Non-Current Liabilities | 10.33M | 335K | 285K | 317K | 285K | 10.3M | 317K | 2.42M | 1.95M | 331.06M |
| Total Liabilities | 354.62M | 355.41M | 379M | 349.26M | 382.39M | 406.35M | 365.38M | 332.49M | 341.14M | 331.06M |
| 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% | 0.13% |
| Book Value per Share | 12.16 | 12.18 | 12.13 | 12.65 | 13.08 | 12.54 | 5.61 | 6.73 | 6.16 | 7.15 |
| Tangible BV per Share | 12.16 | 12.18 | 12.13 | 12.65 | 13.08 | 12.54 | 5.61 | 6.73 | 6.16 | 7.04 |
| Common Stock | 2.79M | 2.8M | 2.81M | 2.83M | 2.84M | 2.85M | 2.87M | 2.88M | 2.9M | 2.92M |
| Additional Paid-in Capital | 10.13M | 10.27M | 10.4M | 10.53M | 10.64M | 10.76M | 10.86M | 10.96M | 11.04M | 11.12M |
| Retained Earnings | 21.71M | 21.61M | 22.07M | 22.54M | 23.07M | 22.98M | 23.58M | 23.86M | 22.88M | 22.95M |
| Accumulated OCI | -810K | -631K | -1.23M | -209K | 540K | -874K | -21.25M | -18.38M | -19M | -16.17M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Glen Burnie Bancorp (GLBZ) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 2.59M | 3.67M | 4.14M | 2.99M | 1.6M | 3.66M | 2.23M | 1.4M | 28K | 28K |
| Operating CF Growth % | 20.95% | 41.99% | 12.64% | -27.66% | -46.46% | 128.21% | -39.14% | -37.12% | -98% | -1007.03% |
| Net Income | 1.1M | 911K | 1.58M | 1.6M | 1.67M | 2.52M | 1.75M | 1.43M | -112K | 26K |
| Depreciation & Amortization | 1.19M | 925K | 1.07M | 932K | 59K | 995K | 994K | 227K | 238K | 269K |
| Deferred Taxes | -147K | 442K | 1.26M | 333K | 245K | 282K | -210K | -84K | -415K | 0 |
| Other Non-Cash Items | 900K | 439K | 558K | -113K | -559K | -401K | 97K | -12K | 1.01M | -1.88M |
| Working Capital Changes | -460K | 954K | -339K | 241K | 189K | 264K | -401K | -161K | -693K | -377K |
| Cash from Investing | -1.43M | -1.71M | -23.03M | 26.35M | -9.89M | -1.27M | 7.01M | 17.66M | 847K | 6.91M |
| Purchase of Investments | -20.73M | -13.83M | -5.44M | -20.96M | -66.94M | -102.87M | -31.54M | -9.75M | 0 | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 4M |
| Net Investment Activity | -19.73M | -12.83M | -4.44M | -19.96M | -65.94M | -101.87M | -30.54M | -8.75M | 1000K | 4M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -3.63M | -6.79M | -28.93M | 15.06M | 31.3M | 44.5M | 24.6M | 9.04M | -29.53M | -8.26M |
| Cash from Financing | -2.91M | 25K | 22.24M | -32M | 32.09M | 22.71M | -41.33M | -33.91M | 8.35M | -15.2M |
| Dividends Paid | -1.11M | -1.12M | -1.12M | -1.13M | -1.13M | -1.14M | -1.14M | -1.15M | -865K | 1K |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | 0 | 0 | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K | 0 | -3M |
| Other Financing | -1.79M | 1.14M | -11.64M | -876K | 28.31M | 33.76M | -20.18M | -62.76M | 9.21M | 14.8M |
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 12.37M | 10.62M | 12.61M | 15.95M | 13.29M | 37.09M | 62.18M | 30.09M | 15.24M | 12.67M |
| Cash at End | 10.62M | 12.61M | 15.95M | 13.29M | 37.09M | 62.18M | 30.09M | 15.24M | 24.46M | 12.23M |
| Interest Paid | 2.13M | 1.87M | 2.05M | 1.98M | 1.6M | 1.08M | 856K | 1.13M | 4.2M | 4.32M |
| Income Taxes Paid | 0 | 152K | 0 | 160K | 0 | 480K | 0 | 436K | 0 | 0 |
| 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% |
Glen Burnie Bancorp (GLBZ) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 3.24% | 2.69% | 4.65% | 4.59% | 4.58% | 6.91% | 6.74% | 8.08% | -0.6% | 0.13% |
| 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 | 12.16 | 12.18 | 12.13 | 12.65 | 13.08 | 12.54 | 5.61 | 6.73 | 6.16 | 7.15 |
| 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% |
Glen Burnie Bancorp (GLBZ) stock FAQ — growth, dividends, profitability & financials explained
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).
Yes, Glen Burnie Bancorp (GLBZ) pays a dividend with a yield of 6.15%. 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.
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.
Glen Burnie Bancorp (GLBZ) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates