Glen Burnie Bancorp (GLBZ) Financial Ratios
30 years of historical data (1995–2024) · Financial Services · Banks - Regional
EV/EBITDA
↑
N/A
—
5yr avg: 14.67
30Y Low2.8·High27.9
P/FCF
↓
N/A
—
5yr avg: 17.01
30Y Low3.0·High30.3
P/B Ratio
↑
0.73
↓-30% vs avg
5yr avg: 1.06
30Y Low0.6·High2.0
ROE
↓
-0.6%
↑-112% vs avg
5yr avg: 5.1%
30Y Low-8%·High12%
Debt/EBITDA
↑
N/A
—
5yr avg: 11.91
30Y Low0.4·High19.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
GLBZ Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Glen Burnie Bancorp currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $13M | $17M | $17M | $24M | $40M | $31M | $32M | $29M | $31M | $32M | $33M |
| Enterprise Value | $19M | $22M | $32M | $-6331724 | $-2302490 | $24M | $44M | $68M | $38M | $41M | $44M |
| P/E Ratio → | -116.80 | — | 12.00 | 13.62 | 15.91 | 18.64 | 20.18 | 18.62 | 33.52 | 28.75 | 24.57 |
| P/S Ratio | 0.82 | 1.05 | 1.22 | 1.72 | 2.89 | 2.18 | 2.11 | 1.86 | 2.12 | 2.22 | 2.01 |
| P/B Ratio | 0.73 | 0.95 | 0.89 | 1.48 | 1.12 | 0.84 | 0.91 | 0.86 | 0.91 | 0.95 | 0.98 |
| P/FCF | — | — | 13.83 | 12.07 | 11.84 | 30.31 | 12.22 | 7.46 | 8.91 | 14.16 | 16.28 |
| P/OCF | 468.25 | 602.55 | 12.32 | 10.68 | 10.91 | 19.47 | 10.85 | 7.08 | 8.42 | 12.36 | 15.59 |
P/E links to full P/E history page with 30-year chart
GLBZ EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.40 | 2.27 | -0.46 | -0.17 | 1.68 | 2.87 | 4.33 | 2.63 | 2.87 | 2.62 |
| EV / EBITDA | — | — | 18.52 | -2.13 | -0.56 | 10.82 | 14.80 | 24.56 | 13.93 | 18.72 | 15.91 |
| EV / EBIT | — | — | 21.32 | -3.19 | -0.74 | 11.12 | 21.53 | 39.89 | 21.00 | 40.62 | 27.25 |
| EV / FCF | — | — | 25.66 | -3.22 | -0.68 | 23.33 | 16.63 | 17.40 | 11.05 | 18.32 | 21.26 |
GLBZ Profitability
Margins and return-on-capital ratios measuring operating efficiency
Glen Burnie Bancorp earns an operating margin of -4.0%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 14.4% to -4.0% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -0.6% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 67.4% | 67.4% | 90.8% | 93.9% | 99.3% | 94.2% | 88.2% | 81.2% | 84.4% | 79.2% | 75.4% |
| Operating Margin | -4.0% | -4.0% | 10.6% | 14.4% | 22.4% | 15.1% | 13.3% | 10.9% | 12.5% | 7.1% | 9.6% |
| Net Profit Margin | -0.7% | -0.7% | 10.1% | 12.6% | 18.2% | 11.7% | 10.4% | 10.0% | 6.2% | 7.6% | 8.1% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -0.6% | -0.6% | 8.1% | 6.7% | 6.9% | 4.6% | 4.6% | 4.6% | 2.7% | 3.2% | 4.0% |
| ROA | -0.0% | -0.0% | 0.4% | 0.4% | 0.6% | 0.4% | 0.4% | 0.4% | 0.2% | 0.3% | 0.3% |
| ROIC | -1.0% | -1.0% | 3.4% | 4.1% | 3.8% | 2.5% | 2.1% | 1.8% | 2.5% | 1.4% | 2.2% |
| ROCE | -3.1% | -3.1% | 7.9% | 6.4% | 7.4% | 5.9% | 5.8% | 5.0% | 4.6% | 2.0% | 2.9% |
GLBZ Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $6M ($30M total debt minus $24M cash).
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.68 | 1.68 | 1.55 | — | 0.56 | 0.81 | 0.70 | 1.62 | 0.59 | 0.59 | 0.59 |
| Debt / EBITDA | — | — | 17.36 | — | 4.89 | 13.49 | 8.38 | 19.77 | 7.28 | 9.05 | 7.31 |
| Net Debt / Equity | — | 0.31 | 0.76 | -1.87 | -1.18 | -0.19 | 0.33 | 1.15 | 0.22 | 0.28 | 0.30 |
| Net Debt / EBITDA | — | — | 8.54 | -10.10 | -10.32 | -3.24 | 3.93 | 14.04 | 2.69 | 4.25 | 3.73 |
| Debt / FCF | — | — | 11.84 | -15.28 | -12.52 | -6.98 | 4.41 | 9.94 | 2.13 | 4.15 | 4.98 |
| Interest Coverage | -0.15 | -0.15 | 1.25 | 2.33 | 2.88 | 1.43 | 1.06 | 0.81 | 0.94 | 0.48 | 0.67 |
GLBZ Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.30x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.48x to 0.30x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.30 | 0.30 | 0.43 | 0.48 | 0.56 | 0.40 | 0.25 | 0.27 | 0.29 | 0.31 | 0.03 |
| Quick Ratio | 0.30 | 0.30 | 0.43 | 0.48 | 0.56 | 0.40 | 0.25 | 0.27 | 0.29 | 0.31 | 0.03 |
| Cash Ratio | 0.07 | 0.07 | 0.05 | 0.08 | 0.16 | 0.10 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 |
| Asset Turnover | — | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
GLBZ Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Glen Burnie Bancorp returns 6.6% to shareholders annually primarily through dividends.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 6.6% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | 80.4% | 65.5% | 45.2% | 68.0% | 70.5% | 70.9% | 122.6% | 101.0% | 75.7% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 8.3% | 7.3% | 6.3% | 5.4% | 5.0% | 5.4% | 3.0% | 3.5% | 4.1% |
| FCF Yield | — | — | 7.2% | 8.3% | 8.4% | 3.3% | 8.2% | 13.4% | 11.2% | 7.1% | 6.1% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 6.6% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M |
Peer Comparison
Compare GLBZ with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 GLBZYou | $13M | -116.8 | — | — | 67.4% | -4.0% | -0.6% | -1.0% | — |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 FUNC | $277M | 11.3 | 8.0 | 18.0 | 70.2% | 27.3% | 12.8% | 7.1% | 3.5 |
 MNSB | $176M | 13.6 | 11.5 | 16.5 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 CZFS | $327M | 8.9 | 13.3 | 9.3 | 63.3% | 26.0% | 11.5% | 5.4% | 6.9 |
 FXNC | $265M | 15.0 | 6.7 | 12.6 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 NKSH | $225M | 14.2 | 11.4 | 14.8 | 65.1% | 22.5% | 9.3% | 8.4% | 0.1 |
 BWFG | $448M | 12.6 | 7.7 | 17.1 | 51.6% | 23.3% | 12.3% | 8.0% | 3.4 |
 CHMG | $341M | 22.7 | 14.3 | 7.7 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 PBFS | $429M | 22.5 | 9.4 | 13.3 | 100.0% | 37.3% | 6.3% | 8.1% | — |
 FIS | $20B | 50.9 | 6.4 | 7.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 30 years · Updated daily
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GLBZ — Frequently Asked Questions
Quick answers to the most common questions about buying GLBZ stock.
What is Glen Burnie Bancorp's P/E ratio?
Glen Burnie Bancorp's current P/E ratio is -116.8x. The historical average is 19.2x.
What is Glen Burnie Bancorp's ROE?
Glen Burnie Bancorp's return on equity (ROE) is -0.6%. The historical average is 5.9%.
Is GLBZ stock overvalued?
Based on historical data, Glen Burnie Bancorp is trading at a P/E of -116.8x. Compare with industry peers and growth rates for a complete picture.
What is Glen Burnie Bancorp's dividend yield?
Glen Burnie Bancorp's current dividend yield is 6.61%.
What are Glen Burnie Bancorp's profit margins?
Glen Burnie Bancorp has 67.4% gross margin and -4.0% operating margin.