Glen Burnie Bancorp (GLBZ)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Glen Burnie Bancorp (GLBZ) trades at $4.55 with AI Score 55/100 (Grade B). Glen Burnie Bancorp operates as the bank holding company for The Bank of Glen Burnie, offering commercial and retail banking services. Market cap: $13.28M, Sector: Financial services.
Price live · AI analysis from May 31, 2026Analyst Coverage for GLBZ: GLBZ does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates GLBZ against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
GLBZ: 2/7 perspectives are bearish. Dominant signal: Ken Griffin bearish.
How is this calculated? →Glen Burnie Bancorp (GLBZ) Financial Services Profile
Glen Burnie Bancorp, established in 1949, operates as the holding company for The Bank of Glen Burnie, providing commercial and retail banking services in northern Anne Arundel County, Maryland. With a focus on traditional banking products and digital solutions, the company navigates a competitive regional banking landscape while maintaining a community-centric approach.
What Is the Investment Thesis for GLBZ?
Glen Burnie Bancorp presents a community banking model with a focus on traditional banking services and a growing digital presence. With a market capitalization of $13.28M, the company's profitability is challenged by a negative profit margin of -0.5%. Growth catalysts include expanding its digital banking services and increasing its commercial lending portfolio. However, potential risks include navigating the competitive regional banking landscape and managing interest rate sensitivity. The company's low beta of 0.24 suggests lower volatility compared to the broader market. Investors should monitor the company's ability to improve its profit margin and capitalize on growth opportunities within its local market.
Based on FMP financials and quantitative analysis
GLBZ Key Highlights
- Market capitalization of $13.28M indicates a smaller community bank.
- Negative profit margin of -0.5% signals challenges in profitability.
- Gross margin of 71.3% suggests efficient revenue generation relative to direct costs.
- Beta of 0.24 indicates lower volatility compared to the overall market.
- No dividend yield reflects a focus on reinvesting earnings for growth.
Who Are GLBZ's Competitors?
GLBZ is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| GSIW Garden Stage Limited provides financial services in Hong Kong, including securities dealing and brokerage, underwriting and placing, and asset management. The company | $28.77 | -2.11% | $40.64M | 61 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| CVLY Codorus Valley Bancorp, Inc. | $24.04 | +4.98% | $232.28M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are GLBZ's Key Strengths?
- Established presence in northern Anne Arundel County.
- Long-standing customer relationships.
- Community-focused approach.
- Offers a range of traditional and digital banking services.
What Are GLBZ's Weaknesses?
- Small market capitalization.
- Negative profit margin.
- Limited geographic diversification.
- Dependence on local economic conditions.
What Could Drive GLBZ Stock Higher?
- Expansion of digital banking services to attract and retain customers.
- Growth in commercial lending to small and medium-sized businesses.
- Strategic branch expansion in underserved areas within its target market.
- Partnerships with fintech companies to offer innovative products and services.
- Focus on customer relationship management to improve customer service and personalize offerings.
What Are the Key Risks for GLBZ?
- Financial-distress signal — its Altman Z-Score of -0.97 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-0.5%) — the business is not currently generating profit on shareholder capital.
- Weak fundamentals — a Piotroski F-Score of 1/9 flags soft profitability, leverage or efficiency.
- Intense competition from larger regional and national banks.
- Interest rate fluctuations impacting net interest margin.
- Regulatory compliance costs affecting profitability.
- Economic downturn in the local market impacting loan performance.
- Limited liquidity due to OTC listing.
What Are the Growth Opportunities for GLBZ?
- Expansion of Digital Banking Services: Glen Burnie Bancorp can capitalize on the increasing demand for digital banking solutions by enhancing its mobile app and online banking platform. By offering a wider range of digital services, such as mobile check deposit, online account opening, and personalized financial management tools, the company can attract and retain tech-savvy customers. The market for digital banking is projected to grow as consumers increasingly prefer the convenience and accessibility of online and mobile channels. Timeline: Ongoing.
- Increased Commercial Lending: Glen Burnie Bancorp has the opportunity to grow its commercial lending portfolio by targeting small and medium-sized businesses in its service area. By offering competitive loan products and personalized service, the company can establish itself as a preferred lender for local businesses. The market for commercial loans is substantial, with small businesses often seeking financing for expansion, equipment purchases, and working capital. Timeline: Ongoing.
- Strategic Branch Expansion: While digital banking is growing, physical branches remain important for certain customer segments and complex transactions. Glen Burnie Bancorp can strategically expand its branch network in underserved areas within its target market. New branches can serve as a hub for customer service, financial advice, and community engagement. The timeline for opening a new branch typically ranges from 12 to 18 months, including site selection, permitting, and construction. Timeline: Upcoming.
- Partnerships with Fintech Companies: Collaborating with fintech companies can enable Glen Burnie Bancorp to offer innovative products and services without significant upfront investment. By partnering with fintech firms specializing in areas such as payments, lending, and wealth management, the company can enhance its customer experience and expand its revenue streams. The fintech market is rapidly evolving, with new solutions emerging to address various customer needs. Timeline: Ongoing.
- Focus on Customer Relationship Management: Building strong customer relationships is crucial for community banks. Glen Burnie Bancorp can invest in customer relationship management (CRM) systems and training to improve customer service and personalize its offerings. By understanding its customers' needs and preferences, the company can build loyalty and increase customer lifetime value. The market for CRM solutions is growing as businesses recognize the importance of customer-centric strategies. Timeline: Ongoing.
What Opportunities Does GLBZ Have?
- Expansion of digital banking services.
- Growth in commercial lending.
- Strategic branch expansion.
- Partnerships with fintech companies.
What Threats Does GLBZ Face?
- Intense competition from larger regional and national banks.
- Interest rate fluctuations.
- Regulatory compliance costs.
- Economic downturn in the local market.
What Are GLBZ's Competitive Advantages?
- Established presence in the northern Anne Arundel County market.
- Long-standing relationships with local customers.
- Community-focused approach to banking.
- Knowledge of local economic conditions and customer needs.
What Does GLBZ Do?
Glen Burnie Bancorp, founded in 1949, serves as the bank holding company for The Bank of Glen Burnie. The bank provides a range of commercial and retail banking services tailored to individuals, associations, partnerships, and corporations. Its core offerings include deposit accounts such as savings, money market, demand deposit, NOW checking, and retirement accounts, alongside certificates of deposit. Lending services encompass residential and commercial real estate loans, construction financing, land acquisition and development loans, secured and unsecured commercial loans, and consumer installment lending, including indirect automobile financing. The bank also provides residential first and second mortgages, home equity lines of credit, and commercial mortgage loans. Beyond traditional banking, Glen Burnie Bancorp offers ancillary services like safe deposit boxes, money orders, night depositories, automated clearinghouse transactions, and ATM services. It has embraced digital banking with telephone banking, online banking, bill pay, card control, a mobile app, merchant source capture, mobile deposit capture, and Zelle integration. Treasury services, including wire transfers and ACH services, along with debit cards, further enhance its service portfolio. The company also engages in acquiring, holding, and disposing of real property. Glen Burnie Bancorp operates from its main office and branch in Glen Burnie, Maryland, with additional branches in Odenton, Riviera Beach, Crownsville, Severn, Linthicum, and Severna Park, Maryland, and a remote ATM in Pasadena, Maryland. This regional focus allows it to maintain close relationships with its customer base in northern Anne Arundel County and surrounding areas.
What Products and Services Does GLBZ Offer?
- Provides commercial and retail banking services.
- Accepts deposits, including savings, checking, and money market accounts.
- Offers residential and commercial real estate loans.
- Provides construction and land acquisition financing.
- Offers secured and unsecured commercial loans.
- Provides consumer installment lending, including indirect auto loans.
- Offers home equity lines of credit and commercial mortgage loans.
- Provides treasury services, including wire transfer and ACH services.
How Does GLBZ Make Money?
- Generates revenue through interest income from loans.
- Earns fees from various banking services, such as transaction fees and service charges.
- Manages interest rate spread between deposits and loans to maintain profitability.
- Invests in securities to generate additional income.
What Industry Does GLBZ Operate In?
Glen Burnie Bancorp operates within the regional banking sector, characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with banks increasingly offering online and mobile banking services. Regulatory compliance and interest rate fluctuations are significant factors influencing profitability. Glen Burnie Bancorp's focus on serving the northern Anne Arundel County market positions it within a specific geographic niche, requiring a deep understanding of local economic conditions and customer needs.
Who Are GLBZ's Key Customers?
- Individuals residing in northern Anne Arundel County and surrounding areas.
- Small and medium-sized businesses operating in the region.
- Associations and partnerships seeking banking services.
- Corporations requiring commercial banking solutions.
How Glen Burnie Bancorp Is Valued
Glen Burnie Bancorp carries a market capitalization of $13.28M, placing it in the micro-cap category. Relative to its peer group, GLBZ's quantitative score of 55/100 is below the peer average of 67/100.
Company Profile
Glen Burnie Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Glen Burnie, US. The company is led by CEO Mark Christopher Hanna. GLBZ has traded publicly since 1999.
ROE -0%Key Financial Metrics
Return on equity for Glen Burnie Bancorp stands at -0.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -0.0%, showing how much profit it generates from its asset base. Its free cash flow yield is -5.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.01 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -0.7%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 1/9Financial Health
Glen Burnie Bancorp's Piotroski F-Score is 1/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -0.97 places it in the distress zone, a signal of elevated financial risk.
GLBZ Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- GLBZ insiders seem to be accumulating shares, which could signal confidence in the company's future prospects.
- The community sentiment around GLBZ has been generally positive lately, indicating a belief in its long-term potential.
- Recent market developments suggest that smaller regional banks like GLBZ may benefit from increased local investment.
- There's a growing perception that GLBZ is undervalued compared to its peers, potentially attracting more investors.
Bear Case
- Some community members express concerns about GLBZ's growth strategy, questioning its scalability in a competitive market.
- Recent insider selling activity, although limited, has raised some eyebrows within the community, triggering caution.
- The overall market perception of smaller banks is still somewhat cautious, influenced by broader economic uncertainties.
- Certain bearish voices highlight potential risks associated with GLBZ's loan portfolio, particularly in the current economic climate.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
GLBZ Latest News
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Stocks That Hit 52-Week Lows On Tuesday
· Mar 24, 2020
GLBZ Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for GLBZ.
Price Targets
Wall Street price target analysis for GLBZ.
GLBZ MoonshotScore
What does this score mean?
The MoonshotScore rates GLBZ's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Mark Christopher Hanna
Unknown
Information about Mark Christopher Hanna's background is not available in the provided data. Without specific details on his career history, education, or previous roles, a comprehensive profile cannot be constructed. Further research would be required to ascertain his qualifications and experience.
Track Record: Information about Mark Christopher Hanna's track record is not available in the provided data. Without specific details on his achievements, strategic decisions, or company milestones under his leadership, an assessment of his performance cannot be made. Further research would be required to evaluate his impact on Glen Burnie Bancorp.
GLBZ OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Glen Burnie Bancorp may not meet the minimum financial standards or disclosure requirements of the higher tiers (OTCQX and OTCQB). Companies in this tier may have limited financial reporting and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This tier is often associated with higher risk and greater potential for volatility compared to exchange-listed stocks.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases the risk of investing due to lack of transparency.
- Low trading volume and liquidity can lead to price volatility and difficulty in executing trades.
- Higher potential for fraud or manipulation due to less regulatory oversight.
- OTC Other tier companies may have difficulty raising capital.
- Delisting from the OTC market is a potential risk.
- Verify the company's financial statements and SEC filings (if any).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's capital structure and debt levels.
- Determine the company's compliance with regulatory requirements.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before making any investment decisions.
- Long operating history since 1949.
- Provides essential banking services to a local community.
- Physical branch locations in Maryland.
- Operates under banking regulations.
What Investors Ask About Glen Burnie Bancorp (GLBZ) — Financial Services
What does Glen Burnie Bancorp do?
Glen Burnie Bancorp operates as the bank holding company for The Bank of Glen Burnie, providing a comprehensive suite of commercial and retail banking services. These services include accepting deposits through various account types, offering residential and commercial lending solutions, and providing ancillary services such as safe deposit boxes and electronic banking options. The company primarily serves individuals, businesses, and organizations within northern Anne Arundel County and surrounding areas, focusing on building long-term relationships within its community.
What do analysts say about GLBZ stock?
Given the limited information available and the company's OTC listing, analyst coverage on Glen Burnie Bancorp (GLBZ) is likely minimal. Key valuation metrics such as price-to-earnings ratio and price-to-book ratio may not be readily available or reliable due to the company's financial performance and disclosure status. Investors should conduct their own thorough due diligence and consider the inherent risks associated with investing in OTC-listed companies before making any investment decisions.
What are the main risks for GLBZ?
Glen Burnie Bancorp faces several risks inherent to the regional banking sector, compounded by its OTC listing. These include intense competition from larger banks, sensitivity to interest rate fluctuations impacting net interest margins, and regulatory compliance costs. Additionally, the company is exposed to local economic conditions in northern Anne Arundel County, which can affect loan performance. As an OTC-listed company, GLBZ faces risks related to limited liquidity, potential for price volatility, and reduced financial transparency.
What are the key factors to evaluate for GLBZ?
Glen Burnie Bancorp (GLBZ) holds an AI score of 55/100 (moderate). Not financial advice.
How frequently does GLBZ data refresh on this page?
GLBZ prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven GLBZ's recent stock price performance?
Glen Burnie Bancorp (GLBZ) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in northern Anne Arundel County. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider GLBZ overvalued or undervalued right now?
Valuing Glen Burnie Bancorp (GLBZ) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying GLBZ?
Before investing in Glen Burnie Bancorp (GLBZ), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC data may be less reliable than exchange-listed data.
- Limited analyst coverage affects the depth of available insights.
- Financial data is based on available information and may be incomplete.