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Glen Burnie BancorpGLBZ 54 Return-on-Tangible-Equity is 1.61% as of Mar. 2026, which is 65% below its 10-year median of 4.59. 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 1,518 Banks companies, Glen Burnie Bancorp ranks worse than 96.25% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Glen Burnie Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $0.34 Mil. Glen Burnie Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $20.87 Mil. Therefore, Glen Burnie Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 1.61%.
The historical rank and industry rank for Glen Burnie Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
GLBZ'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -0.77 Med: 4.59 Max: 8.08
Current: -0.77
During the past 13 years, Glen Burnie Bancorp's highest Return-on-Tangible-Equity was 8.08%. The lowest was -0.77%. And the median was 4.59%.
GLBZ's Return-on-Tangible-Equity is ranked worse than 96.25% of 1518
companies
in the Banks industry
Industry Median: 11.475
vs GLBZ: -0.77
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Glen Burnie Bancorp Return-on-Tangible-Equity Related Terms
Glen Burnie Bancorp Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Glen Burnie Bancorp's Return-on-Tangible-Equity 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.
GLBZ vs FNFI, ASCN, SRNN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Glen Burnie Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Glen Burnie Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Glen Burnie Bancorp's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 1.61% mean?
Glen Burnie Bancorp (GLBZ) has a Return-on-Tangible-Equity of 1.61% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Glen Burnie Bancorp and its competitors. This is 65% below median its historical median of 4.59. According to the industry distribution chart, Glen Burnie Bancorp ranks #1461 out of 1518 companies in the Banks industry, placing it in the top 96.2%.
Is Glen Burnie Bancorp's Return-on-Tangible-Equity too high?
Glen Burnie Bancorp's current Return-on-Tangible-Equity of 1.61% is 65% below median its 10-year median of 4.59. The Banks industry median Return-on-Tangible-Equity is 11.48. Glen Burnie Bancorp's value of 1.61% is 86% below this industry median. Based on the distribution chart, Glen Burnie Bancorp ranks #1461 out of 1518 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 Return-on-Tangible-Equity compare to FNFI and ASCN?
According to the Banks industry distribution chart, Glen Burnie Bancorp ranks #1461 out of 1518 companies for Return-on-Tangible-Equity. This places Glen Burnie Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.48. Glen Burnie Bancorp's value of 1.61% is 86% below this benchmark. While the company's 10-year median is 4.59 vs. the industry median of 11.48, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.48, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Glen Burnie Bancorp's current Return-on-Tangible-Equity of 1.61% is 86% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Glen Burnie Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Glen Burnie Bancorp's current Return-on-Tangible-Equity is 1.61%, which is 65% below median its own 10-year median of 4.59. 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 Return-on-Tangible-Equity is 1.61%, which is 65% below median its 10-year median of 4.59 and 86% below the Banks industry median of 11.48. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Glen Burnie Bancorp (GLBZ), the current Return-on-Tangible-Equity is 1.61% 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:
Return-on-Tangible-Equity: 1.61% (65% below median its 10-year median of 4.59)
GF Value™: $5.38 vs. price of $4.45 (17.3% below fair value)
Industry Position: 86% below the Banks median (#1461 of 1518)
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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