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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 0.62
GLBZ's Cash to Debt is ranked lower than
64% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. GLBZ: 0.62 )
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: 0.62
Equity to Asset 0.09
GLBZ's Equity to Asset is ranked lower than
59% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. GLBZ: 0.09 )
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: 0.09
0.07
0.1
Interest Coverage 0.88
GLBZ's Interest Coverage is ranked lower than
67% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 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: 4
WACC vs ROIC
4.70%
4.44%
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 (%) 14.35
GLBZ's Operating margin (%) is ranked lower than
81% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. GLBZ: 14.35 )
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: 14.35
-493.74
28.12
Net-margin (%) 12.54
GLBZ's Net-margin (%) is ranked lower than
78% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. GLBZ: 12.54 )
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: 12.54
-17.57
37.39
ROE (%) 5.40
GLBZ's ROE (%) is ranked lower than
69% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. GLBZ: 5.40 )
Ranked among companies with meaningful ROE (%) only.
GLBZ' s 10-Year ROE (%) Range
Min: -5.21  Med: 9.60 Max: 14.18
Current: 5.4
-5.21
14.18
ROA (%) 0.46
GLBZ's ROA (%) is ranked lower than
72% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. GLBZ: 0.46 )
Ranked among companies with meaningful ROA (%) only.
GLBZ' s 10-Year ROA (%) Range
Min: -0.41  Med: 0.69 Max: 1.06
Current: 0.46
-0.41
1.06
ROC (Joel Greenblatt) (%) 56.31
GLBZ's ROC (Joel Greenblatt) (%) is ranked lower than
60% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. GLBZ: 56.31 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
GLBZ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -200.81  Med: 83.55 Max: 109.02
Current: 56.31
-200.81
109.02
Revenue Growth (3Y)(%) -2.40
GLBZ's Revenue Growth (3Y)(%) is ranked lower than
71% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 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
88% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 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 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 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) 18.20
GLBZ's P/E(ttm) is ranked lower than
73% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. GLBZ: 18.20 )
Ranked among companies with meaningful P/E(ttm) only.
GLBZ' s 10-Year P/E(ttm) Range
Min: 7.17  Med: 13.38 Max: 93.75
Current: 18.2
7.17
93.75
Forward P/E 10.64
GLBZ's Forward P/E is ranked higher than
65% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. GLBZ: 10.64 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.80
GLBZ's PE(NRI) is ranked lower than
73% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. GLBZ: 18.80 )
Ranked among companies with meaningful PE(NRI) only.
GLBZ' s 10-Year PE(NRI) Range
Min: 7.22  Med: 13.44 Max: 90
Current: 18.8
7.22
90
P/B 0.99
GLBZ's P/B is ranked higher than
58% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. GLBZ: 0.99 )
Ranked among companies with meaningful P/B only.
GLBZ' s 10-Year P/B Range
Min: 0.69  Med: 1.04 Max: 1.96
Current: 0.99
0.69
1.96
P/S 2.30
GLBZ's P/S is ranked higher than
65% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. GLBZ: 2.30 )
Ranked among companies with meaningful P/S only.
GLBZ' s 10-Year P/S Range
Min: 1.29  Med: 2.28 Max: 12.86
Current: 2.3
1.29
12.86
PFCF 18.92
GLBZ's PFCF is ranked lower than
74% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. GLBZ: 18.92 )
Ranked among companies with meaningful PFCF only.
GLBZ' s 10-Year PFCF Range
Min: 4.1  Med: 14.00 Max: 281
Current: 18.92
4.1
281
POCF 14.95
GLBZ's POCF is ranked lower than
74% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. GLBZ: 14.95 )
Ranked among companies with meaningful POCF only.
GLBZ' s 10-Year POCF Range
Min: 3.82  Med: 11.04 Max: 118.75
Current: 14.95
3.82
118.75
EV-to-EBIT 19.72
GLBZ's EV-to-EBIT is ranked lower than
70% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. GLBZ: 19.72 )
Ranked among companies with meaningful EV-to-EBIT only.
GLBZ' s 10-Year EV-to-EBIT Range
Min: -165  Med: 14.80 Max: 136.5
Current: 19.72
-165
136.5
PEG 1.76
GLBZ's PEG is ranked lower than
67% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. GLBZ: 1.76 )
Ranked among companies with meaningful PEG only.
GLBZ' s 10-Year PEG Range
Min: 0.39  Med: 1.17 Max: 5.64
Current: 1.76
0.39
5.64
Shiller P/E 14.05
GLBZ's Shiller P/E is ranked higher than
62% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. GLBZ: 14.05 )
Ranked among companies with meaningful Shiller P/E only.
GLBZ' s 10-Year Shiller P/E Range
Min: 7.33  Med: 12.03 Max: 17.01
Current: 14.05
7.33
17.01
Days Sales Outstanding 31.99
GLBZ's Days Sales Outstanding is ranked higher than
54% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. GLBZ: 31.99 )
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: 31.99
31.73
284.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.30
GLBZ's Dividend Yield is ranked higher than
63% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. GLBZ: 3.30 )
Ranked among companies with meaningful Dividend Yield only.
GLBZ' s 10-Year Dividend Yield Range
Min: 1.84  Med: 3.36 Max: 5.48
Current: 3.3
1.84
5.48
Dividend Payout 0.61
GLBZ's Dividend Payout is ranked lower than
83% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. GLBZ: 0.61 )
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: 0.61
0.08
0.83
Yield on cost (5-Year) 3.30
GLBZ's Yield on cost (5-Year) is ranked higher than
53% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. GLBZ: 3.30 )
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: 3.36 Max: 5.48
Current: 3.3
1.84
5.48
Share Buyback Rate -0.60
GLBZ's Share Buyback Rate is ranked higher than
64% of the 997 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 0.98
GLBZ's Price/Tangible Book is ranked higher than
62% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. GLBZ: 0.98 )
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: 0.98
0.7
2.15
Price/Projected FCF 0.61
GLBZ's Price/Projected FCF is ranked higher than
58% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. GLBZ: 0.61 )
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: 0.61
0.3
1.03
Price/Median PS Value 1.01
GLBZ's Price/Median PS Value is ranked higher than
60% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. GLBZ: 1.01 )
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: 5.55
Current: 1.01
0.46
5.55
Price/Graham Number 0.89
GLBZ's Price/Graham Number is ranked lower than
57% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. GLBZ: 0.89 )
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: 0.89
0.48
2.04
Earnings Yield (Greenblatt) (%) 5.11
GLBZ's Earnings Yield (Greenblatt) (%) is ranked lower than
62% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. GLBZ: 5.11 )
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: 5.11
0.7
15.4
Forward Rate of Return (Yacktman) (%) 13.83
GLBZ's Forward Rate of Return (Yacktman) (%) is ranked higher than
51% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. GLBZ: 13.83 )
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: 9.45 Max: 44.7
Current: 13.83
-26.9
44.7

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 

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