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Upturn AI SWOT - About
GLBZ 
Glen Burnie Bancorp (GLBZ)
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Upturn Advisory Summary
10/15/2025: GLBZ (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -48.52% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
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 as The Glen Burnie Savings and Loan Association. It has evolved into a full-service community bank serving Anne Arundel County, Maryland.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and cash management services to small and medium-sized businesses.
- Retail Banking: Offers personal banking products and services, including checking accounts, savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides investment advisory and trust services.
Leadership and Structure
The company is led by a board of directors and executive management team. The structure involves various departments focusing on lending, retail banking, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes like equipment, real estate, and working capital. No specific market share data available, but they compete with other local and regional banks such as M&T Bank (MTB), and PNC Financial Services (PNC).
- Residential Mortgages: Mortgages for home purchase and refinancing. Market share is localized to Anne Arundel County, Maryland. Competitors include national lenders like Wells Fargo (WFC) and Bank of America (BAC) as well as local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. No specific market share available. Competitors include Chase (JPM) and Capital One (COF).
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and regulatory scrutiny. Digital banking and fintech are disrupting traditional models.
Positioning
Glen Burnie Bancorp is a community bank focused on serving the local Anne Arundel County market. Their competitive advantages include local expertise and personalized service.
Total Addressable Market (TAM)
TAM includes the financial services market within Anne Arundel County, Maryland, which includes the total deposits, loans, and investment products held or used by businesses and individuals within that area. Glen Burnie Bancorp is positioned as a local bank aiming to capture market share within this defined geographic area.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Established relationships with local businesses
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Less technological innovation compared to larger players
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking services
- Growing demand for wealth management services
- Partnerships with fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the local area
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- MTB
- PNC
- BANC
Competitive Landscape
Glen Burnie Bancorp competes with larger regional and national banks. Its advantages lie in its local knowledge and personalized service, while its disadvantages are its smaller size and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Data not available for direct insertion. Review financial statements on SEC.gov. Need to populate this data.
Future Projections: Data not available for direct insertion. Review analyst estimates on financial websites such as Yahoo Finance and Bloomberg.
Recent Initiatives: Review company news releases to ascertain information regarding Recent Initiatives
Summary
Glen Burnie Bancorp is a stable community bank with a strong local presence. It excels in personalized customer service but faces challenges from larger competitors and technological advancements. To maintain a competitive edge, the company needs to invest in digital banking and explore strategic partnerships. Future economic conditions in Anne Arundel County will heavily influence the company's performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- FDIC Data
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share data is estimated and may not be precise.
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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