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GLBZ 
Glen Burnie Bancorp (GLBZ)
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Upturn Advisory Summary
12/02/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit -48.97% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/02/2025 |
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 |
Upturn AI SWOT
Glen Burnie Bancorp
Company Overview
History and Background
Glen Burnie Bancorp was founded in 1907 and has grown to become a community-focused financial institution. The bank has served the Anne Arundel County, Maryland area for over a century, evolving with the changing financial landscape while maintaining its local roots.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including loans, deposit accounts, and cash management services to businesses.
- Retail Banking: Offers personal banking services such as checking and savings accounts, mortgages, and consumer loans to individuals and families.
- Wealth Management: Provides wealth management services, including investment advice, retirement planning, and trust services.
Leadership and Structure
The leadership team consists of experienced banking professionals with a focus on community engagement and sustainable growth. The organizational structure includes various departments such as lending, operations, and finance, reporting to the CEO and Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate. Local competitors such as Severn Bancorp and Howard Bancorp exist. Limited granular market share data available.
- Mortgages: Offers residential mortgages to individuals purchasing homes. Competitors include national banks and mortgage companies. Limited granular market share data available.
- Deposit Accounts: Provides checking and savings accounts for individuals and businesses. Competitors include national and regional banks. Limited granular market share data available.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, low interest rate environment, and growing competition from FinTech companies. Community banks face challenges in adapting to technological advancements and attracting younger customers.
Positioning
Glen Burnie Bancorp positions itself as a community-focused bank with strong local ties. Its competitive advantage lies in its personalized service, local expertise, and commitment to supporting the community.
Total Addressable Market (TAM)
The TAM for banking services in Anne Arundel County is estimated to be in the billions of dollars. Glen Burnie Bancorp holds a smaller share of this market due to the presence of larger regional and national banks.
Upturn SWOT Analysis
Strengths
- Strong local presence and reputation
- Experienced management team
- Commitment to community involvement
- Personalized customer service
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger competitors
- Reliance on traditional banking model
- Limited investment in technology
Opportunities
- Expanding into new market segments
- Leveraging technology to improve efficiency
- Acquiring smaller community banks
- Increasing market share through targeted marketing
Threats
- Increasing competition from larger banks and FinTech companies
- Rising interest rates
- Economic downturn
- Increasing regulatory burden
Competitors and Market Share
Key Competitors
- SVBI
- HWCB
- TCBI
Competitive Landscape
Glen Burnie Bancorp faces competition from larger regional banks and smaller community banks. Its competitive advantage lies in its strong local presence and personalized service, but it needs to invest in technology to compete with larger institutions.
Growth Trajectory and Initiatives
Historical Growth: Data unavailable; consult financial statements
Future Projections: Data unavailable; consult financial analyst reports
Recent Initiatives: Data unavailable; consult company announcements
Summary
Glen Burnie Bancorp is a stable, community-focused bank with a long history in Anne Arundel County. While its strong local reputation and personalized service are assets, its limited reach and smaller asset base compared to larger competitors present challenges. The bank needs to invest in technology and explore new market segments to sustain growth in a competitive landscape. Overall, the company is moderately healthy but faces increasing competition and requires strategic investments to maintain its position.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available)
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is estimated and may not be precise. Consult with a financial advisor before making any 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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