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Glen Burnie BancorpGLBZ 54 ROA % is 0.09% as of Mar. 2026, which is 77% below its 10-year median of 0.39. 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 95.6% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Glen Burnie Bancorp's annualizedNet Income for the quarter that ended in Mar. 2026 was $0.34 Mil.
Glen Burnie Bancorp's average Total Assets over the quarter that ended in Mar. 2026 was $370.23 Mil. Therefore, Glen Burnie Bancorp's annualized ROA % for the quarter that ended in Mar. 2026 was 0.09%.
The historical rank and industry rank for Glen Burnie Bancorp's ROA % or its related term are showing as below:
GLBZ'
s ROA % Range Over the Past 10 Years
Min: -0.04 Med: 0.39 Max: 0.58
Current: -0.04
During the past 13 years, Glen Burnie Bancorp's highest ROA % was 0.58%. The lowest was -0.04%. And the median was 0.39%.
GLBZ's ROA % is ranked worse than 95.6% of 1523
companies
in the Banks industry
Industry Median: 1.01
vs GLBZ: -0.04
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Glen Burnie Bancorp ROA % Related Terms
Glen Burnie Bancorp ROA % Historical Data
* Premium members only.
The historical data trend for Glen Burnie Bancorp's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Glen Burnie Bancorp's ROA % distribution charts can be found below:
* The bar in red indicates where Glen Burnie Bancorp's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Glen Burnie Bancorp (GLBZ) has a ROA % of 0.09% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Glen Burnie Bancorp and its competitors. This is 77% below median its historical median of 0.39. According to the industry distribution chart, Glen Burnie Bancorp ranks #1456 out of 1523 companies in the Banks industry, placing it in the top 95.6%.
Is Glen Burnie Bancorp's ROA % too high?
Glen Burnie Bancorp's current ROA % of 0.09% is 77% below median its 10-year median of 0.39. The Banks industry median ROA % is 1.01. Glen Burnie Bancorp's value of 0.09% is 91.1% below this industry median. Based on the distribution chart, Glen Burnie Bancorp ranks #1456 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 ROA % compare to FNFI and ASCN?
According to the Banks industry distribution chart, Glen Burnie Bancorp ranks #1456 out of 1523 companies for ROA %. This places Glen Burnie Bancorp in the lower half of its industry. The industry median ROA % is 1.01. Glen Burnie Bancorp's value of 0.09% is 91.1% below this benchmark. While the company's 10-year median is 0.39 vs. the industry median of 1.01, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.01, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Glen Burnie Bancorp's current ROA % of 0.09% is 91.1% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Glen Burnie Bancorp and its competitors. For the Banks industry, the median ROA % is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Glen Burnie Bancorp's current ROA % is 0.09%, which is 77% below median its own 10-year median of 0.39. 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 ROA % is 0.09%, which is 77% below median its 10-year median of 0.39 and 91.1% below the Banks industry median of 1.01. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Glen Burnie Bancorp (GLBZ), the current ROA % is 0.09% 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:
ROA %: 0.09% (77% below median its 10-year median of 0.39)
GF Value™: $5.38 vs. price of $4.45 (17.3% below fair value)
Industry Position: 91.1% below the Banks median (#1456 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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