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Upturn AI SWOT - About
GLBZ 
Glen Burnie Bancorp (GLBZ)
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Upturn Advisory Summary
06/30/2025: GLBZ (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -26.46% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 14.45M USD | Price to earnings Ratio 498 | 1Y Target Price - |
Price to earnings Ratio 498 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.29 | 52 Weeks Range 3.84 - 6.99 | Updated Date 06/29/2025 |
52 Weeks Range 3.84 - 6.99 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 8.03% | Basic EPS (TTM) 0.01 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 0.33% | Operating Margin (TTM) 5.66% |
Management Effectiveness
Return on Assets (TTM) 0.01% | Return on Equity (TTM) 0.2% |
Valuation
Trailing PE 498 | Forward PE - | Enterprise Value 10806391 | Price to Sales(TTM) 1.25 |
Enterprise Value 10806391 | Price to Sales(TTM) 1.25 | ||
Enterprise Value to Revenue 2.95 | Enterprise Value to EBITDA - | Shares Outstanding 2900680 | Shares Floating 2348565 |
Shares Outstanding 2900680 | Shares Floating 2348565 | ||
Percent Insiders 18.88 | Percent Institutions 8.05 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Glen Burnie Bancorp
Company Overview
History and Background
Glen Burnie Bancorp was founded in 1907 as The Glen Burnie Savings and Loan Association. It has evolved from a savings and loan to a community bank, focusing on serving the financial needs of individuals and businesses in Anne Arundel County, Maryland.
Core Business Areas
- Community Banking: Provides traditional banking services including checking, savings, and loan products to individuals and businesses.
- Commercial Lending: Offers commercial real estate loans, business loans, and lines of credit to local businesses.
- Residential Mortgages: Provides mortgage lending services for residential properties.
- Wealth Management: Offers wealth management and financial planning services through partnerships.
Leadership and Structure
The company is led by a board of directors and an executive management team, including the CEO, CFO, and other key officers. The organizational structure is typical of a community bank, with departments focused on lending, operations, finance, and customer service.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, providing financing for businesses to purchase or develop real estate. Market share data is not publicly available at a granular level for Glen Burnie Bancorp's specific market. Competitors include larger regional and national banks like M&T Bank, PNC, and Bank of America, as well as other community banks.
- Business Loans: Loans to businesses for various purposes such as working capital, equipment financing, and expansion. Market share data is not publicly available at a granular level for Glen Burnie Bancorp's specific market. Competitors include larger regional and national banks, credit unions, and online lenders.
- Residential Mortgages: Loans to individuals for purchasing or refinancing homes. Market share data is not publicly available at a granular level for Glen Burnie Bancorp's specific market. Competitors include mortgage companies, credit unions and large banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increasing competition from fintech companies. Community banks are focused on providing personalized service and local expertise.
Positioning
Glen Burnie Bancorp positions itself as a community-focused bank with a strong commitment to customer service and local economic development. Its competitive advantages include its long-standing presence in the community, local decision-making, and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Anne Arundel County, Maryland, is estimated to be in the billions of dollars. Glen Burnie Bancorp is positioned to capture a portion of this market by focusing on local relationships and providing tailored financial solutions.
Upturn SWOT Analysis
Strengths
- Strong local presence and reputation
- Personalized customer service
- Experienced management team
- Strong capital position
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on traditional banking services
- Vulnerability to interest rate fluctuations
Opportunities
- Expansion into new markets within Maryland
- Development of new digital banking products
- Increased focus on wealth management services
- Partnerships with fintech companies
Threats
- Increased competition from larger banks and credit unions
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- MTB
- PNC
- BAC
- WSFS
- CFG
Competitive Landscape
Glen Burnie Bancorp competes with larger regional and national banks, as well as other community banks and credit unions. Its advantages include its local focus, personalized service, and strong relationships with customers. Disadvantages include its smaller size, limited geographic reach, and dependence on traditional banking services.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would be assessed by examining revenue, earnings, and asset growth over the past several years. Factors such as market conditions, strategic initiatives, and acquisitions would be considered.
Future Projections: Future growth projections would be based on analyst estimates and management guidance. These projections would consider factors such as economic growth, interest rate trends, and competitive pressures.
Recent Initiatives: Recent strategic initiatives may include branch expansions, new product launches, technology upgrades, and acquisitions. These initiatives would be evaluated for their potential impact on future growth.
Summary
Glen Burnie Bancorp is a small community bank with a strong local presence. Its strengths lie in its personalized service and community relationships. However, it faces challenges from larger competitors and the evolving banking landscape. To remain competitive, GLBZ must continue to innovate and adapt to changing customer needs.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market share data is based on estimates and may not be precise. The AI-based rating is based on a limited set of data and should not be the sole basis for investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Glen Burnie Bancorp
Exchange NASDAQ | Headquaters Glen Burnie, MD, United States | ||
IPO Launch date 1999-11-10 | President, CEO & Director Mr. Mark Christopher Hanna | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 89 | |
Full time employees 89 | |||
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 offers savings accounts, money market deposit accounts, demand deposit accounts, NOW checking accounts, IRA and SEP accounts, and 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 instalment lending, such as indirect automobile lending services; residential first and second mortgage loans, home equity lines of credit, and commercial mortgage loans; and farmland, single-family residential, multi-family, SBA guaranty, and automobile loans. In addition, the company offers safe deposit boxes, night depositories, automated clearinghouse transactions, wire transfers, and automated teller machine (ATM) services, as well as electronic banking services, such as telephone and online banking, bill pay, card management and control, mobile app, merchant source capture, mobile deposit capture, Zelle, etc. Further, it provides treasury services, including wire transfer services, ACH services, and debit cards. It serves individual and corporate customers. The company was founded in 1949 and is based in Glen Burnie, Maryland.
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