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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 Framework: Banks & Lenders Micro Cap
Glen Burnie Bancorp (GLBZ), is a Micro Cap company, in the Banks - Regional industry, last closed at $4.54, about 70.7% undervalued vs fair value, -3.8% 1Y return, ranked 971/1078 in sector.
Metrics Rev Growth 3.5% ROE -0.2% Div Yield 0.00%
USD 4.54
0.00%
(Delayed)
• Vol 90d: 24.5%
52-Week Range
Market Cap
$13.28M
Enterprise Value
$-1.77M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 85%
Updated: Jul 5
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
$8
$15
Current: $4.54 +71% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$15.4M
1.3%%
Interest Expense
$4.5M
Net Interest Income
$10.9M
-0%%
Total Revenue
$12.2M
3.5%%
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
-0.1%
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
29
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
18
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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 (39.7%), Profitability (21.5%), and Safety (38.8%). Growth 40% Safety 39% Profitability 21%

Click axes to expand details. Marker shows current allocation.

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Growth

43th percentile vs peers
43
Key Signals
Equity Growth YoY 20.2% 85p EPS Growth YoY 74.3% 84p Asset Growth YoY 0.3% 19p NII Growth YoY -0.0% 18p
Strengths
  • Equity Growth YoY in top 20% of peers (20.2%, 85th percentile)
  • EPS Growth YoY in top 20% of peers (74.3%, 84th percentile)
  • Debt/Assets in top 20% of peers (1.1%, 87th percentile)
  • Dividends/Tangible Equity in top 20% of peers (0.0%, 97th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Asset Growth YoY in bottom 20% of peers (0.3%)
  • NII Growth YoY in bottom 20% of peers (-0.0%)

Profitability

23th percentile vs peers
23
Key Signals
Strengths
Risks
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Safety

42th percentile vs peers
42
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
$7.75
- - -
+70.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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