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Monday 2 November 2026
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Glen Burnie Bancorp
GLBZ Financial Banks Regional
Glen Burnie Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $17.1 million, up 4.28% from fiscal 2024.
- Revenue
- +20.2%
- EPS
- −28.6%
- Free cash flow
- +156.6%
Quarter to June 2026, against a year earlier
4.20
0.10
+2.44%
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Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Jun ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | 15 | 15 | 16 | 16 | 15 | 14 | 14 | 14 | 16 | 17 | 19 | +1.6% | — | — | — | — | |
| Gross margin, % | 85.71 | 86.99 | 87.03 | 87.81 | 89.68 | 92.41 | 93.94 | 91.67 | 73.91 | 73.82 | 73.74 | (11.9) pt | ||||||
| EBT | 1 | 2 | 2 | 2 | 2 | 3 | 2 | 2 | (1) | 0 | (1) | n/m | ||||||
| EBT margin, % | 6.85 | 12.25 | 10.57 | 12.97 | 14.71 | 21.87 | 14.11 | 10.40 | (3.89) | (2.17) | (2.85) | (9.0) pt | ||||||
| Net income | 1 | 1 | 2 | 2 | 2 | 3 | 2 | 1 | 0 | 0 | 0 | n/m | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | 5.35 | 5.33 | 5.77 | 5.60 | 5.18 | 4.97 | 4.92 | 5.02 | 5.66 | 5.85 | 6.39 | +1.0% | |||||
| Earnings | 0.40 | 0.33 | 0.56 | 0.57 | 0.59 | 0.88 | 0.61 | 0.50 | (0.04) | (0.01) | (0.05) | n/m | ||||||
| Cash flow | 0.93 | 1.31 | 1.47 | 1.06 | 0.57 | 1.28 | 0.78 | 0.49 | 0.01 | (0.27) | 0.00 | n/m | ||||||
| Capex | (0.06) | (0.07) | (0.03) | (0.12) | (0.20) | (0.10) | (0.09) | (0.05) | (0.03) | (0.04) | 0.00 | (3.9%) | ||||||
| Free cash flow | 0.87 | 1.24 | 1.44 | 0.94 | 0.36 | 1.18 | 0.69 | 0.43 | (0.02) | (0.31) | 0.00 | n/m | ||||||
| Book value | 12.16 | 12.18 | 12.13 | 12.64 | 13.08 | 12.54 | 5.61 | 6.72 | 6.16 | 7.34 | 7.27 | (5.5%) | ||||||
| Shares, m | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | +0.5% | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | 29.90 | 33.94 | 18.63 | 20.54 | 18.97 | 15.91 | 13.46 | 11.80 | 0.00 | 0.00 | 0.00 | 16.3 | |||||
| P/S | 2.24 | 2.10 | 1.81 | 2.05 | 2.12 | 2.82 | 1.67 | 1.17 | 1.03 | 0.73 | 0.66 | 1.8 | ||||||
| P/B | 0.98 | 0.92 | 0.86 | 0.91 | 0.84 | 1.12 | 1.46 | 0.88 | 0.95 | 0.58 | 0.58 | 0.9 | ||||||
| EV/Sales | 2.20 | 1.93 | 1.44 | 1.84 | 0.28 | (0.87) | 0.24 | 0.81 | 0.15 | 0.99 | — | 0.9 | ||||||
| EV/FCF | 13.47 | 8.27 | 5.75 | 10.98 | 3.98 | (3.65) | 1.72 | 9.40 | (45.43) | (18.56) | — | (1.4) | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | 3 | 4 | 4 | 3 | 2 | 4 | 2 | 1 | 0 | (1) | (1) | n/m | |||||
| Capex | 0 | 0 | 0 | 0 | (1) | 0 | 0 | 0 | 0 | 0 | 0 | (3.4%) | ||||||
| Free cash flow | 2 | 3 | 4 | 3 | 1 | 3 | 2 | 1 | 0 | (1) | (1) | n/m | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | (69) | (72) | (64) | (51) | (91) | (125) | (150) | (141) | (112) | (103) | (102) | +4.5% | |||||
| Net debt | (1) | (13) | (16) | (13) | (37) | (52) | (30) | (15) | (24) | (6) | (5) | +27.4% | ||||||
| Shareholders’ equity | 34 | 34 | 34 | 36 | 37 | 36 | 16 | 19 | 18 | 21 | 21 | (4.9%) | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | 0.28 | 0.23 | 0.39 | 0.40 | 0.41 | 0.58 | 0.42 | 0.39 | (0.03) | (0.01) | (0.04) | (0.3) pt | |||||
| ROIC | 1.92 | 5.32 | 5.92 | 5.73 | 0.00 | 0.00 | 0.00 | 22.97 | 0.00 | (1.46) | (2.07) | (3.4) pt | ||||||
| ROE | 3.24 | 2.69 | 4.65 | 4.59 | 4.58 | 6.91 | 6.74 | 8.08 | (0.60) | (0.15) | (0.78) | (3.4) pt | ||||||
| People | ||||||||||||||||||
| People | Employees | 92 | 99 | 98 | 102 | 90 | 85 | 89 | 84 | 89 | 83 | — | (1.1%) | |||||
| Revenue/emp, $m | 0.16 | 0.15 | 0.17 | 0.15 | 0.16 | 0.17 | 0.16 | 0.17 | 0.18 | 0.21 | — | +2.7% | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 2 Oct 2026
Glen Burnie Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| CLST Catalyst Bancorp, Inc. | $70.0M | 31.2× | — | +3.68% (above 0%: growing) | +7.14% (above 0%: growing) | −14.23% (below 0%: shrinking) | 74.83% | 0.00% | Compare |
| HFBL Home Federal Bancorp, Inc. of Louisiana | $69.3M | 11.3× | — | +10.29% (above 0%: growing) | +23.08% (above 0%: growing) | +210.53% (above 0%: growing) | 70.94% | 0.00% | Compare |
| CULL Cullman Bancorp, Inc. | $65.2M | 32.5× | 19.5× | +8.86% (above 0%: growing) | −26.67% (below 0%: shrinking) | −90.89% (below 0%: shrinking) | 71.49% | 0.00% | Compare |
| BCOW 1895 Bancorp of Wisconsin Inc. | $57.9M | 66.4× | — (loss-making) | +1.53% (above 0%: growing) | n/m | +993.81% (above 0%: growing) | 64.21% | 0.00% | Compare |
| TCBS Texas Community Bancshares, Inc. | $49.9M | 13.6× | 26.5× | +8.29% (above 0%: growing) | +54.17% (above 0%: growing) | −4.04% (below 0%: shrinking) | 67.29% | 0.00% | Compare |
| MBBC Marathon Bancorp, Inc. | $43.4M | 21.3× | — | +17.92% (above 0%: growing) | n/m | +110.20% (above 0%: growing) | 70.72% | 0.00% | Compare |
| KFFB Kentucky First Federal Bancorp | $43.2M | 24.1× | — | +7.22% (above 0%: growing) | +300.00% (above 0%: growing) | +650.00% (above 0%: growing) | 59.33% | 0.00% | Compare |
| GLBZ Glen Burnie Bancorp | $12.3M | — (loss-making) | — | +20.16% (above 0%: growing) | n/m | +156.64% (above 0%: growing) | 72.37% | 0.00% | |
| CARV Carver Bancorp, Inc. | $6.3M | — (loss-making) | — (loss-making) | −7.35% (below 0%: shrinking) | n/m | −29.05% (below 0%: shrinking) | 70.53% | 0.00% | Compare |
| Median of peers | $53.9M | 24.1× | — | +7.76% | +23.08% | +53.08% | 70.63% | 0.00% |