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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 0.64
GLBZ's Cash to Debt is ranked higher than
69% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. GLBZ: 0.64 )
GLBZ' s 10-Year Cash to Debt Range
Min: 0.22   Max: No Debt
Current: 0.64

Equity to Asset 0.08
GLBZ's Equity to Asset is ranked higher than
58% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. GLBZ: 0.08 )
GLBZ' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.08

0.07
0.1
Interest Coverage 1.22
GLBZ's Interest Coverage is ranked higher than
67% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. GLBZ: 1.22 )
GLBZ' s 10-Year Interest Coverage Range
Min: 0.16   Max: 1.22
Current: 1.22

0.16
1.22
F-Score: 5
Z-Score: 0.20
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 : 6/10

vs
industry
vs
history
Operating margin (%) 17.16
GLBZ's Operating margin (%) is ranked higher than
59% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. GLBZ: 17.16 )
GLBZ' s 10-Year Operating margin (%) Range
Min: -493.74   Max: 28.12
Current: 17.16

-493.74
28.12
Net-margin (%) 14.22
GLBZ's Net-margin (%) is ranked higher than
61% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. GLBZ: 14.22 )
GLBZ' s 10-Year Net-margin (%) Range
Min: -17.57   Max: 37.39
Current: 14.22

-17.57
37.39
ROE (%) 6.36
GLBZ's ROE (%) is ranked higher than
67% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. GLBZ: 6.36 )
GLBZ' s 10-Year ROE (%) Range
Min: -5.21   Max: 14.18
Current: 6.36

-5.21
14.18
ROA (%) 0.53
GLBZ's ROA (%) is ranked higher than
64% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. GLBZ: 0.53 )
GLBZ' s 10-Year ROA (%) Range
Min: -0.41   Max: 1.06
Current: 0.53

-0.41
1.06
ROC (Joel Greenblatt) (%) 67.46
GLBZ's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. GLBZ: 67.46 )
GLBZ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -200.81   Max: 109.02
Current: 67.46

-200.81
109.02
Revenue Growth (%) -1.00
GLBZ's Revenue Growth (%) is ranked higher than
69% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. GLBZ: -1.00 )
GLBZ' s 10-Year Revenue Growth (%) Range
Min: -30.7   Max: 105
Current: -1

-30.7
105
EBITDA Growth (%) 7.10
GLBZ's EBITDA Growth (%) is ranked higher than
74% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. GLBZ: 7.10 )
GLBZ' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 234.4
Current: 7.1

0
234.4
EPS Growth (%) 7.30
GLBZ's EPS Growth (%) is ranked higher than
73% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. GLBZ: 7.30 )
GLBZ' s 10-Year EPS Growth (%) Range
Min: -50.1   Max: 98.8
Current: 7.3

-50.1
98.8
» GLBZ's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with GLBZ

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Ratios

vs
industry
vs
history
P/E(ttm) 16.30
GLBZ's P/E(ttm) is ranked higher than
76% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. GLBZ: 16.30 )
GLBZ' s 10-Year P/E(ttm) Range
Min: 7.17   Max: 93.75
Current: 16.3

7.17
93.75
P/B 1.00
GLBZ's P/B is ranked higher than
84% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. GLBZ: 1.00 )
GLBZ' s 10-Year P/B Range
Min: 0.69   Max: 2.22
Current: 1

0.69
2.22
P/S 2.32
GLBZ's P/S is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. GLBZ: 2.32 )
GLBZ' s 10-Year P/S Range
Min: 1.29   Max: 12.86
Current: 2.32

1.29
12.86
PFCF 15.83
GLBZ's PFCF is ranked higher than
80% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. GLBZ: 15.83 )
GLBZ' s 10-Year PFCF Range
Min: 3.37   Max: 281
Current: 15.83

3.37
281
EV-to-EBIT 16.41
GLBZ's EV-to-EBIT is ranked higher than
75% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. GLBZ: 16.41 )
GLBZ' s 10-Year EV-to-EBIT Range
Min: -165   Max: 136.5
Current: 16.41

-165
136.5
PEG 0.63
GLBZ's PEG is ranked higher than
95% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. GLBZ: 0.63 )
GLBZ' s 10-Year PEG Range
Min: 0.39   Max: 3.67
Current: 0.63

0.39
3.67
Shiller P/E 13.50
GLBZ's Shiller P/E is ranked higher than
93% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. GLBZ: 13.50 )
GLBZ' s 10-Year Shiller P/E Range
Min: 7.27   Max: 17.09
Current: 13.5

7.27
17.09

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.24
GLBZ's Dividend Yield is ranked higher than
71% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. GLBZ: 3.24 )
GLBZ' s 10-Year Dividend Yield Range
Min: 1.51   Max: 5.48
Current: 3.24

1.51
5.48
Dividend Payout 0.53
GLBZ's Dividend Payout is ranked higher than
65% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. GLBZ: 0.53 )
GLBZ' s 10-Year Dividend Payout Range
Min: 0.08   Max: 0.83
Current: 0.53

0.08
0.83
Yield on cost (5-Year) 3.20
GLBZ's Yield on cost (5-Year) is ranked higher than
62% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. GLBZ: 3.20 )
GLBZ' s 10-Year Yield on cost (5-Year) Range
Min: 1.51   Max: 5.48
Current: 3.2

1.51
5.48
Share Buyback Rate -0.60
GLBZ's Share Buyback Rate is ranked higher than
79% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. GLBZ: -0.60 )
GLBZ' s 10-Year Share Buyback Rate Range
Min: 7.8   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
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. GLBZ: 1.00 )
GLBZ' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 2.15
Current: 1

0.7
2.15
Price/DCF (Projected) 0.61
GLBZ's Price/DCF (Projected) is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. GLBZ: 0.61 )
GLBZ' s 10-Year Price/DCF (Projected) Range
Min: 0.27   Max: 0.92
Current: 0.61

0.27
0.92
Price/Median PS Value 1.02
GLBZ's Price/Median PS Value is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. GLBZ: 1.02 )
GLBZ' s 10-Year Price/Median PS Value Range
Min: 0.47   Max: 5.59
Current: 1.02

0.47
5.59
Price/Peter Lynch Fair Value 0.91
GLBZ's Price/Peter Lynch Fair Value is ranked higher than
94% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. GLBZ: 0.91 )
GLBZ' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.37   Max: 1.95
Current: 0.91

0.37
1.95
Price/Graham Number 0.86
GLBZ's Price/Graham Number is ranked higher than
84% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. GLBZ: 0.86 )
GLBZ' s 10-Year Price/Graham Number Range
Min: 0.48   Max: 2.04
Current: 0.86

0.48
2.04
Earnings Yield (Greenblatt) 6.10
GLBZ's Earnings Yield (Greenblatt) is ranked higher than
71% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. GLBZ: 6.10 )
GLBZ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 15.6
Current: 6.1

0.7
15.6
Forward Rate of Return (Yacktman) 27.66
GLBZ's Forward Rate of Return (Yacktman) is ranked higher than
83% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. GLBZ: 27.66 )
GLBZ' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -20.6   Max: 44.7
Current: 27.66

-20.6
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 NAS: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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