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Company Analysis

Glen Burnie Bancorp GLBZ

A comprehensive view of key metrics, scores, and financial health for Glen Burnie Bancorp

Overview of Glen Burnie Bancorp

GLBZ OQX
Financial Services Banks - Regional Micro Cap
Glen Burnie Bancorp (GLBZ), is a Micro Cap company, in the Banks - Regional industry, last closed at $5.00, about 47.0% undervalued vs fair value, -4.8% 1Y return, ranked 993/1037 in sector.
$5.00
-2.91%
As of April 28, 2026
Previous close • Vol 90d: 49.7%
52-Week Range
Market Cap
$14.60M
Enterprise Value
$2.37M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 68%
Confidence: 39%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.thebankofglenburni...
HQ Glen Burnie, MD
Employees 69
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$4
$7
$14
Current: $5.00 +47% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$15.2M
14.1%%
Interest Expense
$4.3M
Net Interest Income
$10.9M
-9.8%%
Total Revenue
$11.8M
-8.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-0.6%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Glen Burnie Bancorp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
19
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
17
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing GLBZ's balance between Growth (12.6%), Profitability (37.2%), and Safety (50.2%). Growth 13% Safety 50% Profitability 37%

Click axes to expand details. Marker shows current allocation.

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Growth

15th percentile vs peers
15
Key Signals
Asset Growth YoY 2.0% 32p NII Growth YoY -9.8% 9p EPS Growth YoY -1.08 7p Equity Growth YoY -7.8% 2p
Strengths
  • Efficiency Ratio in top 20% of peers (97.3%, 96th percentile)
  • Financial Leverage in top 20% of peers (19.14, 98th percentile)
  • D/E Ratio in top 20% of peers (1.68, 91th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Growth in bottom 20% of peers (percentile: 15)
  • NII Growth YoY in bottom 20% of peers (-9.8%)
  • EPS Growth YoY in bottom 20% of peers (-1.08)
  • Equity Growth YoY in bottom 20% of peers (-7.8%)

Profitability

44th percentile vs peers
45
Key Signals
Strengths
Risks
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Safety

60th percentile vs peers
60
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Glen Burnie Bancorp.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$7.35
- - -
+47.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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