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GLBZ logoGlen Burnie Bancorp(GLBZ)Earnings, Financials & Key Ratios

GLBZ•NASDAQ•Banking & Credit
$4.86
$14M mkt cap·Price updated May 7, 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%
  • Tangible BV/Share6.16-8.5%
  • Debt/Equity1.68+8.5%
Technical→

GLBZ Key Insights

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

✓Strengths

  • ✓Trading at only 0.8x 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.

GLBZ Price & Volume

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

Loading chart...

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
EPS
$0.03
Revenue
$5M
Q4 2025
Dec 31, 2025
EPS
$0.03
Revenue
$5M
Q4 2025
Oct 31, 2025
EPS
$0.04
Revenue
—
Q3 2025
Jul 29, 2025
EPS
$0.07
Revenue
$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
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor202.97M21.0814.44-9.41%7.81%0.28
FUNC logoFUNCFirst United CorporationDirect Competitor248.05M38.1812.1216.94%12.52%1.05
MNSB logoMNSBMainStreet Bancshares, Inc.Direct Competitor176.24M23.5113.36-1.44%7.26%0.32
CZFS logoCZFSCitizens Financial Services, Inc.Direct Competitor316.75M65.898.652.75%11.36%0.92
FXNC logoFXNCFirst National CorporationProduct Competitor252.79M27.9614.2727.11%9.98%0.23
NKSH logoNKSHNational Bankshares, Inc.Product Competitor240.15M37.7115.147.88%9.04%0.01
BWFG logoBWFGBankwell Financial Group, Inc.Product Competitor415.48M52.1111.716.13%12.21%0.60
CHMG logoCHMGChemung Financial CorporationProduct Competitor331.34M68.9022.01-6.46%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
Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Net Interest Income11.16M11.67M12.59M12.59M12.15M12.44M11.86M12.13M10.94M10.89M
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 Income13.28M13.61M14.69M14.51M13.67M13.52M12.71M13.34M15.21M15.4M
Interest Expense2.12M1.94M2.1M1.93M1.51M1.07M853K1.2M4.27M4.5M
Loan Loss Provision868K336K856K-115K-689K-975K-5K92K955K159K
Non-Interest Income1.12M972K1.08M892K640K270K1.09M769K826K937K
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 Expense10.39M10.48M11.1M11.54M11.32M10.6M10.97M11.31M11.45M11.93M
Efficiency Ratio72.17%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 Outstanding2.78M2.79M2.81M2.82M2.84M2.85M2.86M2.87M2.89M2.9M

GLBZ Balance Sheet

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

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash & Short Term Investments105.23M101.95M97.53M84.78M151.14M218.11M174.22M141.47M99.01M453.05M
Cash & Due from Banks10.62M12.61M15.95M13.29M37.09M62.18M30.09M15.24M24.46M2.36M
Short Term Investments94.61M89.35M81.57M71.49M114.05M155.93M144.13M126.23M74.55M104.14M
Total Investments357.18M358.37M378.15M354.16M366.35M363.85M328.41M300.38M276.93M104.14M
Investments Growth %-0.35%0.33%5.52%-6.34%3.44%-0.68%-9.74%-8.54%-7.81%-73.71%
Long-Term Investments262.57M269.02M296.58M282.67M252.3M207.92M184.28M174.15M202.38M830.61M
Accounts Receivables1.14M1.13M1.2M961K1.3M1.08M1.16M1.19M1.34M1.34M
Goodwill & Intangibles000000000317K
Goodwill000000000317K
Intangible Assets0000000000
PP&E (Net)3.64M3.37M3.11M3.76M3.85M3.56M3.28M3.05M2.68M2.46M
Other Assets11.49M10.64M11.6M10.47M10.32M9.78M9.1M23.46M44.37M-213.07M
Total Current Assets107.58M103.98M100.37M87.36M152.88M219.84M175.88M143.26M100.98M107.84M
Total Non-Current Assets280.86M285.46M312.68M297.58M266.61M222.22M205.56M208.56M257.98M9.94M
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 Payable34.12K000000000
Total Debt20M20M55M25M29.91M20M030M30M281K
Net Debt9.38M7.39M39.05M11.71M-7.18M-42.18M-30.09M14.76M5.54M-2.36M
Long-Term Debt10M000010M0000
Short-Term Debt10M20M55M25M29.91M10M030M30M63K
Other Liabilities334.88K335K285K317K285K304K317K2.42M1.95M331.06M
Total Current Liabilities344.29M355.07M378.71M348.94M382.11M396.05M365.06M330.07M339.19M329.07M
Total Non-Current Liabilities10.33M335K285K317K285K10.3M317K2.42M1.95M331.06M
Total Liabilities354.62M355.41M379M349.26M382.39M406.35M365.38M332.49M341.14M331.06M
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%0.13%
Book Value per Share12.1612.1812.1312.6513.0812.545.616.736.167.15
Tangible BV per Share12.1612.1812.1312.6513.0812.545.616.736.167.04
Common Stock2.79M2.8M2.81M2.83M2.84M2.85M2.87M2.88M2.9M2.92M
Additional Paid-in Capital10.13M10.27M10.4M10.53M10.64M10.76M10.86M10.96M11.04M11.12M
Retained Earnings21.71M21.61M22.07M22.54M23.07M22.98M23.58M23.86M22.88M22.95M
Accumulated OCI-810K-631K-1.23M-209K540K-874K-21.25M-18.38M-19M-16.17M
Treasury Stock0000000000
Preferred Stock0000000000

GLBZ Cash Flow Statement

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

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash from Operations2.59M3.67M4.14M2.99M1.6M3.66M2.23M1.4M28K28K
Operating CF Growth %20.95%41.99%12.64%-27.66%-46.46%128.21%-39.14%-37.12%-98%-1007.03%
Net Income1.1M911K1.58M1.6M1.67M2.52M1.75M1.43M-112K26K
Depreciation & Amortization1.19M925K1.07M932K59K995K994K227K238K269K
Deferred Taxes-147K442K1.26M333K245K282K-210K-84K-415K0
Other Non-Cash Items900K439K558K-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 Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K4M
Net Investment Activity-19.73M-12.83M-4.44M-19.96M-65.94M-101.87M-30.54M-8.75M1000K4M
Acquisitions0000000000
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 Repurchases0000000000
Stock Issued0000000000
Net Stock Activity0000000000
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 Effect0000000000
Cash at Beginning12.37M10.62M12.61M15.95M13.29M37.09M62.18M30.09M15.24M12.67M
Cash at End10.62M12.61M15.95M13.29M37.09M62.18M30.09M15.24M24.46M12.23M
Interest Paid2.13M1.87M2.05M1.98M1.6M1.08M856K1.13M4.2M4.32M
Income Taxes Paid0152K0160K0480K0436K00
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%0.13%
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 Margin2.87%3%3.05%3.27%2.9%2.81%3.11%3.45%3.05%3.1%
Efficiency Ratio72.17%71.9%70.38%74.93%79.14%76.85%79.48%80.19%71.39%73.03%
Equity / Assets8.71%8.74%8.24%9.27%8.84%8.08%4.21%5.49%4.96%5.89%
Book Value / Share12.1612.1812.1312.6513.0812.545.616.736.167.15
NII Growth-0.51%4.59%7.89%-0.03%-3.44%2.38%-4.69%2.33%-9.84%-1.59%
Dividend Payout101%122.61%70.88%70.54%67.99%45.23%65.5%80.41%-3.85%

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 6.15%. 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.

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.

Explore More GLBZ

Glen Burnie Bancorp (GLBZ) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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