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Glen Burnie BancorpGLBZ 54 Net Margin % is 2.48% as of Mar. 2026, which is 78% below its 10-year median of 11.33. GuruFocus rates GLBZ with a GF Score™ of 54/100 and a GF Value™ of $5.38 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,523 Banks companies, Glen Burnie Bancorp ranks worse than 96.32% on this metric.
Glen Burnie Bancorp (OTCPK:GLBZ) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Glen Burnie Bancorp Net Margin % Related Terms
Glen Burnie Bancorp Net Margin % Historical Data
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The historical data trend for Glen Burnie Bancorp's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Glen Burnie Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Glen Burnie Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Glen Burnie Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Glen Burnie Bancorp's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Glen Burnie Bancorp (GLBZ) has a Net Margin % of 2.48% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Glen Burnie Bancorp and its competitors. This is 78% below median its historical median of 11.33. According to the industry distribution chart, Glen Burnie Bancorp ranks #1467 out of 1523 companies in the Banks industry, placing it in the top 96.3%.
Is Glen Burnie Bancorp's Net Margin % too high?
Glen Burnie Bancorp's current Net Margin % of 2.48% is 78% below median its 10-year median of 11.33. The Banks industry median Net Margin % is 27.30. Glen Burnie Bancorp's value of 2.48% is 90.9% below this industry median. Based on the distribution chart, Glen Burnie Bancorp ranks #1467 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Glen Burnie Bancorp has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Glen Burnie Bancorp's Net Margin % compare to FNFI and ASCN?
According to the Banks industry distribution chart, Glen Burnie Bancorp ranks #1467 out of 1523 companies for Net Margin %. This places Glen Burnie Bancorp in the lower half of its industry. The industry median Net Margin % is 27.30. Glen Burnie Bancorp's value of 2.48% is 90.9% below this benchmark. While the company's 10-year median is 11.33 vs. the industry median of 27.30, Glen Burnie Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.30, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Glen Burnie Bancorp's current Net Margin % of 2.48% is 90.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Glen Burnie Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Glen Burnie Bancorp's current Net Margin % is 2.48%, which is 78% below median its own 10-year median of 11.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Glen Burnie Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Glen Burnie Bancorp (GLBZ) is currently considered Modestly Undervalued. The stock's GF Value™ is $5.38, compared to a current price of $4.45 — trading 17.3% below its estimated fair value. The current Net Margin % is 2.48%, which is 78% below median its 10-year median of 11.33 and 90.9% below the Banks industry median of 27.30. Glen Burnie Bancorp's overall GF Score™ is 54/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Glen Burnie Bancorp (GLBZ), the current Net Margin % is 2.48% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Glen Burnie Bancorp (GLBZ) Overvalued in 2026?
Based on GuruFocus' analysis, Glen Burnie Bancorp stock appears to be undervalued.
The current stock price of $4.45 is trading 17.3% below its estimated GF Value™ of $5.38.
GuruFocus considers Glen Burnie Bancorp to be Modestly Undervalued.
Key valuation signals for GLBZ:
Net Margin %: 2.48% (78% below median its 10-year median of 11.33)
GF Value™: $5.38 vs. price of $4.45 (17.3% below fair value)
Industry Position: 90.9% below the Banks median (#1467 of 1523)
No single metric tells the full story. See the GLBZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Glen Burnie Bancorp is a bank holding company for The Bank of Glen Burnie. It offers retail and commercial banking services such as checking, savings, loans, mobile banking, online banking, wire transfer, ACH services, debit cards, automated teller machines, and safe deposit boxes among others. The bank generates its revenue in the form of interest income. All of the revenues are earned within the United States.
54GF Score
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