10 Year Financial Data of Glen Burnie Bancorp (GLBZ)

11.95 (1y: +17%)

Market Cap	32.7 M	P/E(ttm)	13.30
Enterprise Value	52.75 M	P/B	1.00

GLBZ- NAS (USA)
Glen Burnie Bancorp

Currently 1/5

Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$11.95

2 Severe Warning Signs 4 Medium Warning Signs 1 Good Sign

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	1.8	3.2	-8.1
EBITDA Growth (%)	-2.8	130.3	-10.5
Free Cash Flow Growth (%)	0	0	-5.3
Book Value Growth (%)	3.4	8	4

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	4.66	4.91	4.79	4.74	5.65	4.69	5.29	5.49	5.73	5.27	5.14	1.33	1.29	1.35	1.30	1.20
EBITDA per Share	1.81	1.54	1.45	1.34	1.62	0.05	0.61	1.32	1.87	1.85	1.70	0.51	0.53	0.48	0.33	0.36
Free Cashflow per Share	1.22	1.22	1.21	1.00	1.23	0.80	-0.16	1.71	1.47	1.43	1.26	0.24	0.48	0.42	0.29	0.07
Earnings per Share ($)	1.06	1.04	0.94	0.92	1.12	0.14	0.46	0.76	1.10	0.98	0.89	0.27	0.24	0.24	0.22	0.19
Dividends Per Share	0.28	0.32	0.36	0.40	0.40	0.40	0.40	0.40	0.40	0.40	0.40	0.10	0.10	0.10	0.10	0.10
Book Value per Share	8.24	8.78	9.06	9.50	11.97	9.36	9.20	9.79	11.52	12.31	12.22	11.75	11.86	12.20	12.28	12.22
Month End Stock Price	17.71	16.81	14.93	14.21	12.96	10.94	9.20	8.61	8.15	11.32	12.00	10.00	10.65	11.49	11.32	12.00
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	12.80	11.90	10.40	9.60	9.40	1.40	5.00	7.80	9.60	7.90	6.40	9.20	8.00	8.00	7.20	6.40
Return on Assets %	1.00	1.00	0.90	0.90	0.90	0.10	0.40	0.60	0.80	0.70	0.40	0.80	0.80	0.80	0.80	0.40
Return on Capital - Joel Greenblatt %	--	--	--	--	--	--	--	754	--	--	--	--	--	--	--	--
Debt to Equity	0.58	0.30	0.49	0.46	0.77	1.18	1.08	0.92	0.65	0.60	0.60	0.63	0.71	0.60	0.60	0.60

Operating Margin %	27.80	25.60	24.90	24.20	25.20	-2.00	7.10	17.30	24.20	23.20	18.40	25.90	22.90	22.60	21.50	18.40
Net Margin %	22.70	21.20	19.70	19.30	19.80	2.90	8.70	14.00	19.30	18.50	16.10	20.10	18.60	18.20	17.20	16.10

Debt to Revenue	1.02	0.54	0.92	0.91	1.62	2.35	1.87	1.64	1.30	1.39	6.08	5.52	6.53	5.42	5.64	6.08
Interest Exp. to Revenue %	83.10	83.51	84.99	84.04	84.61	85.32	83.65	87.15	86.55	87.33	88.49	88.47	88.01	86.56	86.30	88.49

Asset Turnover	0.05	0.05	0.05	0.04	0.05	0.04	0.04	0.04	0.04	0.04	0.01	0.01	0.01	0.01	0.01	0.01
Dividend Payout Ratio	0.26	0.31	0.38	0.44	0.36	2.95	0.87	0.52	0.36	0.41	0.52	0.37	0.42	0.41	0.45	0.52
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	11.26	12.02	11.97	11.82	11.87	11.92	12.10	12.88	13.45	12.56	12.27	3.21	3.10	3.20	3.06	2.91
Non Interest Income	2.29	2.37	2.11	2.24	2.16	2.05	2.37	1.90	2.09	1.82	1.78	0.42	0.42	0.50	0.49	0.38
Revenue	13.55	14.39	14.08	14.07	14.02	13.97	14.47	14.78	15.54	14.38	14.05	3.63	3.52	3.69	3.55	3.29

Selling, General, &Admin. Expense	5.82	6.30	6.41	6.52	6.35	6.22	1.50	6.68	6.58	6.81	6.74	1.73	1.73	1.66	1.69	1.66
Credit Losses Provision	0.04	0.34	-0.05	0.06	0.05	1.15	2.44	1.05	0.66	0.25	0.25	--	--	0.15	0.10	--
Other Expenses	2.42	3.24	3.46	3.51	3.58	6.46	8.84	3.50	3.23	2.27	2.41	0.50	0.34	0.58	0.85	0.65
Earnings Before DDA	5.27	4.52	4.27	3.98	4.04	0.15	1.68	3.55	5.07	5.06	4.65	1.40	1.46	1.30	0.91	0.99

Depreciation, Depletion and Amortization	1.50	0.83	0.76	0.57	0.50	0.42	0.65	1.00	1.31	1.72	1.65	0.46	0.65	0.47	0.14	0.38

Operating Income	3.77	3.69	3.51	3.41	3.54	-0.28	1.03	2.55	3.76	3.34	3.01	0.94	0.81	0.83	0.76	0.61
Net Income	3.08	3.06	2.78	2.72	2.78	0.40	1.26	2.07	2.99	2.67	2.46	0.73	0.66	0.67	0.61	0.53

Earnings per Share ($)	1.06	1.04	0.94	0.92	1.12	0.14	0.46	0.76	1.10	0.98	0.89	0.27	0.24	0.24	0.22	0.19
Total Shares Outstanding	2.91	2.93	2.94	2.97	2.48	2.98	2.74	2.69	2.71	2.73	2.74	2.72	2.73	2.73	2.73	2.74
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	11.18	9.83	13.12	9.35	14.07	14.84	10.74	8.06	9.30	15.96	14.19	10.50	7.23	12.82	15.96	14.19
Money Market Investments	2.61	2.46	3.25	4.90	2.11	8.16	0.69	0.94	0.65	2.67	0.44	1.75	0.26	0.31	2.67	0.44
Net Loan	173	182	190	193	200	235	236	230	233	250	252	239	249	252	250	252
Securities & Investments	103	94.91	87.28	96.50	77.87	57.95	84.46	87.27	103	100	103	104	103	95.46	100	103
Accounts Receivable	1.58	1.49	1.45	1.63	1.51	1.68	1.63	1.54	1.54	1.45	--	--	--	--	1.45	--
Property, Plant and Equipment	4.22	4.03	3.86	3.41	3.09	3.10	4.12	4.12	4.11	3.87	3.87	4.05	3.99	3.94	3.87	3.87
Other Assets	6.51	7.31	7.39	8.63	8.88	11.64	15.87	15.29	14.06	13.36	14.99	15.19	15.61	15.14	13.36	14.99
Total Assets	302	302	307	318	307	333	353	347	365	387	389	374	379	379	387	389

Total Deposits	257	262	265	275	253	270	294	294	312	332	334	321	322	324	332	334
Accounts Payable	0.48	0.52	0.59	0.32	0.31	0.70	0.51	0.29	0.32	0.03	--	--	--	--	0.03	--
Current Portion of Long-Term Debt	6.60	0.54	0.62	0.55	0.50	0.63	0.08	4.27	0.26	--	--	--	3.00	--	--	--
Long-Term Debt	7.23	7.20	12.33	12.30	22.26	32.23	27.03	20.00	20.00	20.00	20.00	20.00	20.00	20.00	20.00	20.00
Other liabilities	7.09	6.64	1.15	1.55	1.55	1.27	6.26	1.73	1.53	1.53	1.29	1.35	1.82	1.82	1.53	1.29
Total Liabilities	278	277	280	290	278	305	328	321	334	354	355	342	347	346	354	355

Common Stock	1.69	2.04	2.06	2.49	2.50	2.97	2.68	2.70	2.72	2.74	2.74	2.72	2.73	2.73	2.74	2.74
Retained Earnings	10.12	11.77	13.34	14.31	15.75	14.13	14.31	15.30	17.21	18.78	19.04	17.67	18.05	18.45	18.78	19.04
Additional Paid-In Capital	10.86	11.17	11.46	11.72	11.92	11.57	9.19	9.34	9.44	9.61	9.61	9.47	9.50	9.54	9.61	9.61
Total Equity	23.95	25.74	26.63	28.20	29.74	27.91	25.15	26.33	31.21	33.59	33.43	32.00	32.32	33.29	33.59	33.43
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	3.08	3.06	2.77	2.72	2.78	0.40	1.26	2.07	2.99	2.67	2.46	0.73	0.66	0.67	0.61	0.53
Depreciation, Depletion and Amortization	1.50	0.83	0.76	0.57	0.50	0.42	0.65	1.00	1.31	1.72	1.65	0.46	0.65	0.47	0.14	0.38
Cash Flow from Others	-1.04	-0.29	0.03	-0.33	-0.23	1.55	-0.96	1.93	0.10	-0.29	-0.41	-0.49	0.04	0.09	0.07	-0.61
Cash Flow from Operations	3.55	3.59	3.57	2.96	3.04	2.38	0.96	4.99	4.41	4.09	3.70	0.69	1.35	1.22	0.83	0.30

Investment for Property, Plant & Equipement	--	--	--	--	--	--	-1.40	-0.38	-0.41	-0.18	-0.24	-0.05	-0.04	-0.07	-0.04	-0.10
Cash Flow from Investing	-26.96	-3.09	-2.26	-13.54	11.54	-20.65	-30.87	1.40	-16.01	-14.33	-13.54	-6.93	-9.71	5.27	-2.96	-6.15

Net Issuance of Stock	0.24	0.31	0.30	0.03	0.02	-0.38	-2.84	--	--	--	--	--	--	--	--	--
Net Issuance of Debt	5.74	-6.09	0.05	-0.11	9.92	10.09	-0.59	-2.84	-4.02	-0.26	--	-0.26	3.00	-3.00	--	--
Cash Flow for Dividends	-0.91	-1.01	-1.16	-1.07	-1.33	-1.34	-1.06	-0.91	-0.93	-1.18	-0.94	-0.23	-0.24	-0.24	-0.47	--
Other Financing	15.49	4.77	3.57	9.59	-21.72	16.85	24.59	-5.07	17.50	20.35	13.18	9.02	0.83	2.38	8.11	1.85
Cash Flow from Financing	20.56	-2.02	2.77	8.45	-13.10	25.22	20.11	-8.82	12.56	18.91	12.24	8.53	3.60	-0.85	7.64	1.85

Net Change in Cash	-2.85	-1.52	4.08	-2.13	1.48	6.94	-9.80	-2.43	0.95	8.68	2.39	2.29	-4.76	5.64	5.50	-3.99

Free Cash Flow	3.55	3.59	3.57	2.96	3.04	2.38	-0.44	4.61	4.00	3.91	3.46	0.65	1.31	1.16	0.79	0.20
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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GLBZ Quarterly/Annuals Reports

GLBZ: 10-Q - GLEN BURNIE BANCORP (0000890066) (Filer): (10-Q) - 2012-11-14
GLBZ: 10-Q/A - GLEN BURNIE BANCORP (0000890066) (Filer): (10-Q/A) - 2012-09-07
GLBZ: 10-Q - GLEN BURNIE BANCORP (0000890066) (Filer): (10-Q) - 2012-08-10
GLBZ: 10-Q - GLEN BURNIE BANCORP (0000890066) (Filer): (10-Q) - 2012-05-15
GLBZ: 10-K - GLEN BURNIE BANCORP (0000890066) (Filer): (10-K) - 2012-03-16

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