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Glen Burnie Bancorp

GLBZ

(2.2)
Stock Price

5,43 USD

0.95% ROA

8.41% ROE

8.92x PER

Market Cap.

18.672.249,00 USD

189.96% DER

6.16% Yield

10.38% NPM

Glen Burnie Bancorp Stock Analysis

Glen Burnie Bancorp Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Glen Burnie Bancorp Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.85x), the stock offers substantial upside potential at a bargain price.

2 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

3 ROE

ROE in an average range (11.63%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.53%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 DER

The stock maintains a fair debt to equity ratio (87%), indicating a reasonable balance between the money it owes and the ownership it possesses.

6 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

7 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (41) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Glen Burnie Bancorp Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Glen Burnie Bancorp Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Glen Burnie Bancorp Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Glen Burnie Bancorp Revenue
Year Revenue Growth
1995 9.829.283
1996 8.826.457 -11.36%
1997 1.997.814 -341.81%
1998 3.622.369 44.85%
1999 12.753.000 71.6%
2000 14.458.976 11.8%
2001 12.494.868 -15.72%
2002 13.852.875 9.8%
2003 13.552.707 -2.21%
2004 14.388.102 5.81%
2005 14.080.000 -2.19%
2006 14.065.821 -0.1%
2007 14.023.500 -0.3%
2008 13.972.590 -0.36%
2009 14.467.000 3.42%
2010 14.778.619 2.11%
2011 15.538.915 4.89%
2012 14.384.000 -8.03%
2013 14.621.000 1.62%
2014 14.656.313 0.24%
2015 14.223.000 -3.05%
2016 12.788.000 -11.22%
2017 12.955.000 1.29%
2018 13.963.000 7.22%
2019 13.775.000 -1.36%
2020 13.040.000 -5.64%
2021 13.058.000 0.14%
2022 13.252.000 1.46%
2023 13.028.000 -1.72%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Glen Burnie Bancorp Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Glen Burnie Bancorp General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 4.137.232
1996 4.634.964 10.74%
1997 5.260.094 11.88%
1998 5.051.743 -4.12%
1999 5.521.000 8.5%
2000 6.217.022 11.2%
2001 5.852.324 -6.23%
2002 5.780.278 -1.25%
2003 5.821.396 0.71%
2004 6.295.849 7.54%
2005 6.409.000 1.77%
2006 6.517.789 1.67%
2007 6.353.559 -2.58%
2008 6.219.484 -2.16%
2009 6.296.000 1.22%
2010 6.680.504 5.76%
2011 6.574.847 -1.61%
2012 6.812.000 3.48%
2013 6.753.000 -0.87%
2014 7.995.582 15.54%
2015 6.491.000 -23.18%
2016 6.212.000 -4.49%
2017 7.344.000 15.41%
2018 7.160.000 -2.57%
2019 7.201.000 0.57%
2020 7.128.000 -1.02%
2021 6.882.000 -3.57%
2022 6.677.000 -3.07%
2023 7.076.000 5.64%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Glen Burnie Bancorp EBITDA
Year EBITDA Growth
1995 4.423.906
1996 5.867.922 24.61%
1997 8.005.717 26.7%
1998 8.688.309 7.86%
1999 9.085.000 4.37%
2000 10.359.222 12.3%
2001 9.652.037 -7.33%
2002 10.339.167 6.65%
2003 9.545.543 -8.31%
2004 8.161.830 -16.95%
2005 8.398.000 2.81%
2006 9.812.666 14.42%
2007 10.007.701 1.95%
2008 6.399.862 -56.37%
2009 8.224.499 22.19%
2010 8.850.739 7.08%
2011 8.753.661 -1.11%
2012 8.310.684 -5.33%
2013 7.097.526 -17.09%
2014 5.569.431 -27.44%
2015 5.127.769 -8.61%
2016 4.331.729 -18.38%
2017 4.686.000 7.56%
2018 4.884.000 4.05%
2019 2.983.000 -63.73%
2020 2.218.000 -34.49%
2021 4.088.000 45.74%
2022 3.832.000 -6.68%
2023 2.152.000 -78.07%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Glen Burnie Bancorp Gross Profit
Year Gross Profit Growth
1995 9.829.283
1996 8.826.457 -11.36%
1997 1.997.814 -341.81%
1998 3.622.369 44.85%
1999 12.753.000 71.6%
2000 14.458.976 11.8%
2001 12.494.868 -15.72%
2002 13.852.875 9.8%
2003 13.552.707 -2.21%
2004 14.388.102 5.81%
2005 14.080.000 -2.19%
2006 14.065.821 -0.1%
2007 14.023.500 -0.3%
2008 13.972.590 -0.36%
2009 14.467.000 3.42%
2010 14.778.619 2.11%
2011 15.538.915 4.89%
2012 14.384.000 -8.03%
2013 14.621.000 1.62%
2014 14.656.313 0.24%
2015 14.223.000 -3.05%
2016 12.788.000 -11.22%
2017 12.955.000 1.29%
2018 13.793.000 6.08%
2019 13.775.000 -0.13%
2020 13.040.000 -5.64%
2021 13.058.000 0.14%
2022 13.252.000 1.46%
2023 13.028.000 -1.72%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Glen Burnie Bancorp Net Profit
Year Net Profit Growth
1995 -1.726.748
1996 -1.020.177 -69.26%
1997 747.247 236.52%
1998 833.192 10.32%
1999 1.445.000 42.34%
2000 2.274.866 36.48%
2001 1.725.236 -31.86%
2002 2.811.083 38.63%
2003 3.077.074 8.64%
2004 3.055.501 -0.71%
2005 2.775.000 -10.11%
2006 2.720.045 -2.02%
2007 2.782.141 2.23%
2008 403.962 -588.71%
2009 1.262.000 67.99%
2010 2.064.785 38.88%
2011 2.993.093 31.02%
2012 2.665.000 -12.31%
2013 2.614.000 -1.95%
2014 1.914.526 -36.54%
2015 1.353.000 -41.5%
2016 1.101.000 -22.89%
2017 911.000 -20.86%
2018 1.583.000 42.45%
2019 1.599.000 1%
2020 1.668.000 4.14%
2021 2.516.000 33.7%
2022 1.745.000 -44.18%
2023 2.204.000 20.83%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Glen Burnie Bancorp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 -1
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 100%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 0 0%
2009 0 0%
2010 1 0%
2011 1 100%
2012 1 0%
2013 1 0%
2014 1 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Glen Burnie Bancorp Free Cashflow
Year Free Cashflow Growth
1995 3.878.252
1996 6.799.135 42.96%
1997 -90.104 7645.87%
1998 554.382 116.25%
1999 1.801.000 69.22%
2000 4.768.900 62.23%
2001 1.543.947 -208.88%
2002 2.346.831 34.21%
2003 2.761.892 15.03%
2004 3.174.451 13%
2005 3.187.000 0.39%
2006 2.828.851 -12.66%
2007 2.915.239 2.96%
2008 1.875.179 -55.46%
2009 -439.019 527.13%
2010 4.613.180 109.52%
2011 3.995.588 -15.46%
2012 3.906.625 -2.28%
2013 3.849.165 -1.49%
2014 2.076.682 -85.35%
2015 2.047.785 -1.41%
2016 2.257.622 9.29%
2017 3.048.000 25.93%
2018 3.927.000 22.38%
2019 2.656.000 -47.85%
2020 1.029.000 -158.11%
2021 3.369.000 69.46%
2022 1.969.000 -71.1%
2023 3.084.000 36.15%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Glen Burnie Bancorp Operating Cashflow
Year Operating Cashflow Growth
1995 3.878.252
1996 7.430.961 47.81%
1997 1.089.166 -582.26%
1998 1.907.575 42.9%
1999 2.240.000 14.84%
2000 5.368.273 58.27%
2001 1.976.605 -171.59%
2002 3.251.338 39.21%
2003 3.546.170 8.31%
2004 3.591.877 1.27%
2005 3.566.000 -0.73%
2006 2.960.672 -20.45%
2007 3.043.691 2.73%
2008 2.376.896 -28.05%
2009 959.301 -147.77%
2010 4.991.092 80.78%
2011 4.407.392 -13.24%
2012 4.089.173 -7.78%
2013 4.111.763 0.55%
2014 2.519.211 -63.22%
2015 2.138.177 -17.82%
2016 2.586.034 17.32%
2017 3.253.000 20.5%
2018 4.136.000 21.35%
2019 2.992.000 -38.24%
2020 1.602.000 -86.77%
2021 3.656.000 56.18%
2022 2.225.000 -64.31%
2023 3.084.000 27.85%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Glen Burnie Bancorp Capital Expenditure
Year Capital Expenditure Growth
1995 0
1996 631.826 100%
1997 1.179.270 46.42%
1998 1.353.193 12.85%
1999 439.000 -208.24%
2000 599.373 26.76%
2001 432.658 -38.53%
2002 904.507 52.17%
2003 784.278 -15.33%
2004 417.426 -87.88%
2005 379.000 -10.14%
2006 131.821 -187.51%
2007 128.452 -2.62%
2008 501.717 74.4%
2009 1.398.320 64.12%
2010 377.912 -270.01%
2011 411.804 8.23%
2012 182.548 -125.59%
2013 262.598 30.48%
2014 442.529 40.66%
2015 90.392 -389.57%
2016 328.412 72.48%
2017 205.000 -60.2%
2018 209.000 1.91%
2019 336.000 37.8%
2020 573.000 41.36%
2021 287.000 -99.65%
2022 256.000 -12.11%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Glen Burnie Bancorp Equity
Year Equity Growth
1995 20.537.386
1996 18.586.370 -10.5%
1997 18.964.590 1.99%
1998 14.168.673 -33.85%
1999 15.102.000 6.18%
2000 17.180.747 12.1%
2001 17.861.585 3.81%
2002 21.789.386 18.03%
2003 23.947.628 9.01%
2004 25.744.408 6.98%
2005 26.625.000 3.31%
2006 28.200.513 5.59%
2007 29.736.154 5.16%
2008 27.908.252 -6.55%
2009 25.150.000 -10.97%
2010 26.332.646 4.49%
2011 31.210.830 15.63%
2012 33.587.000 7.07%
2013 31.584.000 -6.34%
2014 33.830.527 6.64%
2015 34.176.000 1.01%
2016 33.814.000 -1.07%
2017 34.042.000 0.67%
2018 34.051.000 0.03%
2019 35.680.000 4.57%
2020 37.093.000 3.81%
2021 35.716.000 -3.86%
2022 16.054.000 -122.47%
2023 13.161.000 -21.98%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Glen Burnie Bancorp Assets
Year Assets Growth
1995 246.164.736
1996 254.324.701 3.21%
1997 231.899.594 -9.67%
1998 217.571.063 -6.59%
1999 213.439.000 -1.94%
2000 239.211.180 10.77%
2001 263.361.726 9.17%
2002 279.406.206 5.74%
2003 302.252.466 7.56%
2004 302.312.126 0.02%
2005 306.561.000 1.39%
2006 317.745.601 3.52%
2007 307.273.868 -3.41%
2008 332.502.215 7.59%
2009 353.397.000 5.91%
2010 347.067.276 -1.82%
2011 365.260.263 4.98%
2012 387.438.000 5.72%
2013 377.194.000 -2.72%
2014 394.629.508 4.42%
2015 390.580.000 -1.04%
2016 388.432.000 -0.55%
2017 389.450.000 0.26%
2018 413.046.000 5.71%
2019 384.942.000 -7.3%
2020 419.486.000 8.23%
2021 442.066.000 5.11%
2022 381.436.000 -15.9%
2023 355.364.000 -7.34%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Glen Burnie Bancorp Liabilities
Year Liabilities Growth
1995 1.757.722
1996 547.937 -220.79%
1997 212.935.004 99.74%
1998 203.402.390 -4.69%
1999 198.337.000 -2.55%
2000 216.875.433 8.55%
2001 240.345.141 9.77%
2002 252.461.820 4.8%
2003 273.149.838 7.57%
2004 271.412.718 -0.64%
2005 279.936.000 3.04%
2006 289.545.088 3.32%
2007 277.537.714 -4.33%
2008 304.593.963 8.88%
2009 328.247.000 7.21%
2010 320.734.630 -2.34%
2011 334.049.433 3.99%
2012 353.851.000 5.6%
2013 345.610.000 -2.38%
2014 360.798.981 4.21%
2015 356.404.000 -1.23%
2016 354.618.000 -0.5%
2017 355.408.000 0.22%
2018 378.995.000 6.22%
2019 25.000.000 -1415.98%
2020 29.912.000 16.42%
2021 406.350.000 92.64%
2022 365.382.000 -11.21%
2023 25.000.000 -1361.53%

Glen Burnie Bancorp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
4.83
Net Income per Share
0.73
Price to Earning Ratio
8.92x
Price To Sales Ratio
1.35x
POCF Ratio
3.6
PFCF Ratio
3.83
Price to Book Ratio
1.42
EV to Sales
2.1
EV Over EBITDA
8.4
EV to Operating CashFlow
5.63
EV to FreeCashFlow
5.98
Earnings Yield
0.11
FreeCashFlow Yield
0.26
Market Cap
0,02 Bil.
Enterprise Value
0,03 Bil.
Graham Number
8.66
Graham NetNet
46.39

Income Statement Metrics

Net Income per Share
0.73
Income Quality
2.7
ROE
0.13
Return On Assets
0
Return On Capital Employed
0.02
Net Income per EBT
0.95
EBT Per Ebit
0.36
Ebit per Revenue
0.3
Effective Tax Rate
0.05

Margins

Sales, General, & Administrative to Revenue
0.5
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.98
Operating Profit Margin
0.3
Pretax Profit Margin
0.11
Net Profit Margin
0.1

Dividends

Dividend Yield
0.06
Dividend Yield %
6.16
Payout Ratio
0.41
Dividend Per Share
0.4

Operating Metrics

Operating Cashflow per Share
1.8
Free CashFlow per Share
1.7
Capex to Operating CashFlow
-0.06
Capex to Revenue
-0.02
Capex to Depreciation
-0.34
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
41.08
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
8.88
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.1

Balance Sheet

Cash per Share
54,68
Book Value per Share
4,58
Tangible Book Value per Share
114.9
Shareholders Equity per Share
4.58
Interest Debt per Share
8.97
Debt to Equity
1.9
Debt to Assets
0.07
Net Debt to EBITDA
3.02
Current Ratio
6.35
Tangible Asset Value
0,19 Bil.
Net Current Asset Value
0,13 Bil.
Invested Capital
1.9
Working Capital
0,13 Bil.
Intangibles to Total Assets
0.38
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.34

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Glen Burnie Bancorp Dividends
Year Dividends Growth
2000 0
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Glen Burnie Bancorp Profile

About Glen Burnie Bancorp

Glen 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.

CEO
Mr. Mark Christopher Hanna
Employee
89
Address
101 Crain Highway, S.E.
Glen Burnie, 21061

Glen Burnie Bancorp Executives & BODs

Glen Burnie Bancorp Executives & BODs
# Name Age
1 Ms. Michelle R. Stambaugh
Senior Vice President, Corporate Secretary & HR Director
70
2 Mr. Mark Christopher Hanna
President & Chief Executive Officer
70
3 Janet P. Kim
Director of Marketing & Public Relations
70
4 Mr. Jeffrey D. Harris
Senior Vice President, Treasurer & Chief Financial Officer
70

Glen Burnie Bancorp Competitors