GLBZ (Glen Burnie Bancorp) Scaled Net Operating Assets: -0.27 (As of Mar. 2026)

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GLBZ Glen Burnie Bancorp GLBZ
54 GF Score
Price $4.45
GF Value $5.38
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Glen Burnie Bancorp Scaled Net Operating Assets?

Glen Burnie Bancorp GLBZ 54 Scaled Net Operating Assets is -0.27 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Glen Burnie Bancorp's operating assets for the quarter that ended in Mar. 2026 was $262.45 Mil. Glen Burnie Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $359.59 Mil. Glen Burnie Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $359.92 Mil. Therefore, Glen Burnie Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.27.

GLBZ
54GF Score
Glen Burnie Bancorp GLBZ
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Glen Burnie Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Glen Burnie Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(354.411-334.491)/358.956
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=359.916 - 5.505
=354.411

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=338.491 - 0 - 4
=334.491

Glen Burnie Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(262.447-359.59)/359.916
=-0.27

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=380.541 - 118.094
=262.447

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=359.59 - 0 - 0
=359.59

* 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.

What does a Scaled Net Operating Assets of -0.27 mean?
Glen Burnie Bancorp (GLBZ) has a Scaled Net Operating Assets of -0.27 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Glen Burnie Bancorp and its competitors.
Is Glen Burnie Bancorp's Scaled Net Operating Assets too high?
Glen Burnie Bancorp's current Scaled Net Operating Assets is -0.27. 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 Scaled Net Operating Assets compare to FNFI and ASCN?
Glen Burnie Bancorp's Scaled Net Operating Assets of -0.27 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Glen Burnie Bancorp and its competitors. Glen Burnie Bancorp's current Scaled Net Operating Assets is -0.27. 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 Scaled Net Operating Assets is -0.27. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Glen Burnie Bancorp (GLBZ), the current Scaled Net Operating Assets is -0.27 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:

  • Scaled Net Operating Assets: -0.27
  • GF Value™: $5.38 vs. price of $4.45 (17.3% below fair value)
  • GF Score™: 54/100 with 3 warning signs

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 Business Description

Address 101 Crain Highway, S.E., Glen Burnie, MD, USA, 21061
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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.45
Price
$5.38
GF Value