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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.50
GLBZ's Cash to Debt is ranked lower than
66% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. GLBZ: 0.50 )
Ranked among companies with meaningful Cash to Debt only.
GLBZ' s 10-Year Cash to Debt Range
Min: 0.22  Med: 0.76 Max: N/A
Current: 0.5
Equity to Asset 0.08
GLBZ's Equity to Asset is ranked lower than
69% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. GLBZ: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
GLBZ' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.08 Max: 0.1
Current: 0.08
0.07
0.1
Interest Coverage 0.88
GLBZ's Interest Coverage is ranked lower than
66% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. GLBZ: 0.88 )
Ranked among companies with meaningful Interest Coverage only.
GLBZ' s 10-Year Interest Coverage Range
Min: 0.16  Med: 0.75 Max: 1.22
Current: 0.88
0.16
1.22
F-Score: 3
WACC vs ROIC
4.66%
4.52%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 15.93
GLBZ's Operating margin (%) is ranked lower than
79% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. GLBZ: 15.93 )
Ranked among companies with meaningful Operating margin (%) only.
GLBZ' s 10-Year Operating margin (%) Range
Min: -493.74  Med: 22.21 Max: 28.12
Current: 15.93
-493.74
28.12
Net-margin (%) 12.79
GLBZ's Net-margin (%) is ranked lower than
78% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. GLBZ: 12.79 )
Ranked among companies with meaningful Net-margin (%) only.
GLBZ' s 10-Year Net-margin (%) Range
Min: -17.57  Med: 18.21 Max: 37.39
Current: 12.79
-17.57
37.39
ROE (%) 5.62
GLBZ's ROE (%) is ranked lower than
69% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. GLBZ: 5.62 )
Ranked among companies with meaningful ROE (%) only.
GLBZ' s 10-Year ROE (%) Range
Min: -5.21  Med: 9.60 Max: 14.18
Current: 5.62
-5.21
14.18
ROA (%) 0.47
GLBZ's ROA (%) is ranked lower than
73% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. GLBZ: 0.47 )
Ranked among companies with meaningful ROA (%) only.
GLBZ' s 10-Year ROA (%) Range
Min: -0.41  Med: 0.69 Max: 1.06
Current: 0.47
-0.41
1.06
Revenue Growth (3Y)(%) -2.40
GLBZ's Revenue Growth (3Y)(%) is ranked lower than
72% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. GLBZ: -2.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
GLBZ' s 10-Year Revenue Growth (3Y)(%) Range
Min: -30.7  Med: 3.30 Max: 105
Current: -2.4
-30.7
105
EBITDA Growth (3Y)(%) -16.20
GLBZ's EBITDA Growth (3Y)(%) is ranked lower than
89% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. GLBZ: -16.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
GLBZ' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -0.70 Max: 234.4
Current: -16.2
0
234.4
EPS Growth (3Y)(%) -14.40
GLBZ's EPS Growth (3Y)(%) is ranked lower than
87% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. GLBZ: -14.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
GLBZ' s 10-Year EPS Growth (3Y)(%) Range
Min: -50.1  Med: 7.30 Max: 98.8
Current: -14.4
-50.1
98.8
» GLBZ's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 17.30
GLBZ's P/E(ttm) is ranked lower than
72% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. GLBZ: 17.30 )
Ranked among companies with meaningful P/E(ttm) only.
GLBZ' s 10-Year P/E(ttm) Range
Min: 7.17  Med: 13.41 Max: 93.75
Current: 17.3
7.17
93.75
Forward P/E 10.64
GLBZ's Forward P/E is ranked higher than
62% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. GLBZ: 10.64 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.50
GLBZ's PE(NRI) is ranked lower than
73% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. GLBZ: 17.50 )
Ranked among companies with meaningful PE(NRI) only.
GLBZ' s 10-Year PE(NRI) Range
Min: 7.22  Med: 13.49 Max: 90
Current: 17.5
7.22
90
P/B 1.00
GLBZ's P/B is ranked higher than
56% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. GLBZ: 1.00 )
Ranked among companies with meaningful P/B only.
GLBZ' s 10-Year P/B Range
Min: 0.69  Med: 1.03 Max: 1.97
Current: 1
0.69
1.97
P/S 2.24
GLBZ's P/S is ranked higher than
65% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. GLBZ: 2.24 )
Ranked among companies with meaningful P/S only.
GLBZ' s 10-Year P/S Range
Min: 1.29  Med: 2.27 Max: 12.86
Current: 2.24
1.29
12.86
PFCF 28.02
GLBZ's PFCF is ranked lower than
87% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. GLBZ: 28.02 )
Ranked among companies with meaningful PFCF only.
GLBZ' s 10-Year PFCF Range
Min: 4.1  Med: 14.10 Max: 281
Current: 28.02
4.1
281
POCF 19.75
GLBZ's POCF is ranked lower than
85% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. GLBZ: 19.75 )
Ranked among companies with meaningful POCF only.
GLBZ' s 10-Year POCF Range
Min: 3.82  Med: 11.14 Max: 118.75
Current: 19.75
3.82
118.75
EV-to-EBIT 18.27
GLBZ's EV-to-EBIT is ranked lower than
67% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. GLBZ: 18.27 )
Ranked among companies with meaningful EV-to-EBIT only.
GLBZ' s 10-Year EV-to-EBIT Range
Min: -165  Med: 14.90 Max: 136.5
Current: 18.27
-165
136.5
PEG 1.64
GLBZ's PEG is ranked lower than
67% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. GLBZ: 1.64 )
Ranked among companies with meaningful PEG only.
GLBZ' s 10-Year PEG Range
Min: 0.39  Med: 0.94 Max: 5.64
Current: 1.64
0.39
5.64
Shiller P/E 14.01
GLBZ's Shiller P/E is ranked higher than
60% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. GLBZ: 14.01 )
Ranked among companies with meaningful Shiller P/E only.
GLBZ' s 10-Year Shiller P/E Range
Min: 7.27  Med: 12.03 Max: 17.01
Current: 14.01
7.27
17.01
Days Sales Outstanding 31.73
GLBZ's Days Sales Outstanding is ranked higher than
53% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. GLBZ: 31.73 )
Ranked among companies with meaningful Days Sales Outstanding only.
GLBZ' s 10-Year Days Sales Outstanding Range
Min: 31.73  Med: 42.22 Max: 284.44
Current: 31.73
31.73
284.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.32
GLBZ's Dividend Yield is ranked higher than
61% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. GLBZ: 3.32 )
Ranked among companies with meaningful Dividend Yield only.
GLBZ' s 10-Year Dividend Yield Range
Min: 1.84  Med: 3.35 Max: 5.48
Current: 3.32
1.84
5.48
Dividend Payout 0.58
GLBZ's Dividend Payout is ranked lower than
80% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. GLBZ: 0.58 )
Ranked among companies with meaningful Dividend Payout only.
GLBZ' s 10-Year Dividend Payout Range
Min: 0.08  Med: 0.39 Max: 0.83
Current: 0.58
0.08
0.83
Yield on cost (5-Year) 3.32
GLBZ's Yield on cost (5-Year) is ranked higher than
52% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. GLBZ: 3.32 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
GLBZ' s 10-Year Yield on cost (5-Year) Range
Min: 1.84  Med: 3.35 Max: 5.48
Current: 3.32
1.84
5.48
Share Buyback Rate -0.60
GLBZ's Share Buyback Rate is ranked higher than
65% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. GLBZ: -0.60 )
Ranked among companies with meaningful Share Buyback Rate only.
GLBZ' s 10-Year Share Buyback Rate Range
Min: 7.8  Med: 0.10 Max: -7
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
GLBZ's Price/Tangible Book is ranked higher than
60% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. GLBZ: 1.00 )
Ranked among companies with meaningful Price/Tangible Book only.
GLBZ' s 10-Year Price/Tangible Book Range
Min: 0.7  Med: 1.12 Max: 2.15
Current: 1
0.7
2.15
Price/Projected FCF 0.62
GLBZ's Price/Projected FCF is ranked higher than
54% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. GLBZ: 0.62 )
Ranked among companies with meaningful Price/Projected FCF only.
GLBZ' s 10-Year Price/Projected FCF Range
Min: 0.3  Med: 0.63 Max: 1.03
Current: 0.62
0.3
1.03
Price/Median PS Value 0.98
GLBZ's Price/Median PS Value is ranked higher than
62% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. GLBZ: 0.98 )
Ranked among companies with meaningful Price/Median PS Value only.
GLBZ' s 10-Year Price/Median PS Value Range
Min: 0.46  Med: 1.00 Max: 5.57
Current: 0.98
0.46
5.57
Price/Graham Number 0.88
GLBZ's Price/Graham Number is ranked lower than
56% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. GLBZ: 0.88 )
Ranked among companies with meaningful Price/Graham Number only.
GLBZ' s 10-Year Price/Graham Number Range
Min: 0.48  Med: 0.89 Max: 2.04
Current: 0.88
0.48
2.04
Earnings Yield (Greenblatt) (%) 5.50
GLBZ's Earnings Yield (Greenblatt) (%) is ranked lower than
60% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. GLBZ: 5.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
GLBZ' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.7  Med: 6.60 Max: 15.4
Current: 5.5
0.7
15.4
Forward Rate of Return (Yacktman) (%) 6.36
GLBZ's Forward Rate of Return (Yacktman) (%) is ranked lower than
67% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. GLBZ: 6.36 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
GLBZ' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -26.9  Med: 9.40 Max: 44.7
Current: 6.36
-26.9
44.7

Analyst Estimate

Dec15
EPS($) 1.17
EPS without NRI($) 1.17

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Glen Burnie Bancorp is a bank holding company organized in 1990 under the laws of the State of Maryland. The Company owns all the outstanding shares of capital stock of The Bank of Glen Burnie (the Bank), a commercial bank. The Bank was organized in 1949 under the laws of the State of Maryland, serving northern Anne Arundel County and surrounding areas from its main office and branch in Glen Burnie, Maryland and branch offices in Odenton, Riviera Beach, Crownsville, Severn (two locations), Linthicum and Severna Park, Maryland. The Bank also maintains a remote Automated Teller Machine location in Pasadena, Maryland. The Bank is engaged in the commercial and retail banking business as authorized by the banking statutes of the State of Maryland, including the acceptance of demand and time deposits, and the origination of loans to individuals, associations, partnerships and corporations. The Bank's real estate financing consists of residential first and second mortgage loans, home equity lines of credit and commercial mortgage loans. Commercial lending consists of both secured and unsecured loans. The Bank also originates automobile loans through arrangements with local automobile dealers. The Bank's deposits are insured up to applicable limits by the Federal Deposit Insurance Corporation. The Bank's main market area for lending and deposit products is Anne Arundel County, Maryland. Anne Arundel County includes mature suburbs of the City of Baltimore. The Bank offers various consumer and commercial loans. The Bank's lending activities include residential and commercial real estate loans, construction loans, land acquisition and development loans, commercial loans and consumer installment lending including indirect automobile lending. All of the Bank's loan customers are residents of Anne Arundel County and surrounding areas of Central Maryland. The Bank solicits loan applications for commercial loans from small to medium sized businesses located in its market area. The Bank's consumer lending currently consists mainly of indirect automobile loans originated through arrangements with local dealers. The Bank faces competition for deposits and loans from other community banks, branches or affiliates of larger banks, savings and loan associations, savings banks and credit unions. The Company is subject to Federal Reserve Board regulation, examination, supervision and reporting requirements.
» More Articles for GLBZ

Headlines

Articles On GuruFocus.com
comment on GLBZ Apr 03 2012 
Glen Burnie Bancorp Reports Operating Results (10-K) Mar 11 2011 
Glen Burnie Bancorp Reports Operating Results (10-Q) Nov 05 2010 
Glen Burnie Bancorp Reports Operating Results (10-Q) Aug 05 2010 
Glen Burnie Bancorp Reports Operating Results (10-Q) May 13 2010 
Glen Burnie Bancorp Reports Operating Results (10-Q) Nov 03 2009 
Glen Burnie Bancorp Declares 3Q Dividend Sep 14 2009 
Glen Burnie Bancorp Reports Operating Results (10-Q) Jul 29 2009 
Glen Burnie Bancorp Releases 2Q Earnings Jul 28 2009 
Glen Burnie Bancorp Reports Operating Results (10-Q) Apr 28 2009 

More From Other Websites
GLEN BURNIE BANCORP Financials Aug 27 2015
GLEN BURNIE BANCORP Files SEC form 8-K, Change in Directors or Principal Officers Aug 20 2015
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GLEN BURNIE BANCORP Files SEC form 10-Q, Quarterly Report Aug 14 2015
GLEN BURNIE BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Aug 10 2015
Glen Burnie Bancorp Releases 2Q 2015 Earnings Aug 07 2015
GLEN BURNIE BANCORP Files SEC form 8-K, Change in Directors or Principal Officers Jul 14 2015
GLEN BURNIE BANCORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jun 22 2015
Glen Burnie Bancorp Declares 2Q 2015 Dividend Jun 12 2015
GLEN BURNIE BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 14 2015
GLEN BURNIE BANCORP Files SEC form 10-Q, Quarterly Report May 14 2015
Glen Burnie Bancorp Releases 1Q 2015 Earnings May 11 2015
GLEN BURNIE BANCORP Files SEC form 8-K, Change in Directors or Principal Officers Apr 09 2015
Glen Burnie Bancorp Declares 1Q Dividends Mar 19 2015
GLEN BURNIE BANCORP Files SEC form 10-K, Annual Report Mar 18 2015
GLEN BURNIE BANCORP Files SEC form 8-K/A, Financial Statements and Exhibits Mar 09 2015
GLEN BURNIE BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Mar 06 2015
Glen Burnie Bancorp Announces 2014 4Q Earnings and Year End Earnings Mar 06 2015
Glen Burnie Bancorp Declares 4Q Dividend Dec 12 2014
GLEN BURNIE BANCORP Files SEC form 10-Q, Quarterly Report Nov 14 2014

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