Generations Bancorp NY, Inc. (GBNY) vs Glen Burnie Bancorp (GLBZ)

Generations Bancorp NY, Inc. and Glen Burnie Bancorp are both Banks Regional companies. Generations Bancorp NY, Inc. is the larger, with a market value of $35.1M against $12.3M — 2.9× the size. Generations Bancorp NY, Inc. grew revenue faster over the last twelve months: 19.2% against 13.4%. Glen Burnie Bancorp has the higher net margin (−0.84% vs −13.2%) and the higher return on invested capital (−2.07% vs −4.85%). Across the 16 metrics below, Glen Burnie Bancorp leads on 12 and Generations Bancorp NY, Inc. on 4.

Valuation

Metric GBNY GLBZ Banks Regional median
P/E n/m n/m 12.15
P/S 1.74 0.70 2.37
P/B 0.98 0.61 1.21
Price to free cash flow n/m n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.15 0.43 2.27
Earnings yield (7.58%) (1.19%) 8.11%
Free cash flow yield (0.12%) (6.98%) 8.98%

Profitability

Metric GBNY GLBZ Banks Regional median
Gross margin 51.21% 73.74% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (13.15%) (0.84%) 18.66%
Free cash flow margin (0.21%) 0.00% 21.18%
Return on equity (7.27%) (0.78%) 10.64%
Return on assets (0.66%) (0.04%) 1.13%
Return on invested capital (4.85%) (2.07%) 8.33%

Growth

Metric GBNY GLBZ Banks Regional median
Revenue growth (TTM) 19.21% 13.36% 6.61%
EPS growth (last fiscal year) (253.00%) 75.00% —
Revenue growth, 5-year CAGR 8.97% 3.06% 12.30%
Net income growth, 5-year CAGR 0.00% 0.00% 9.71%

Health

Metric GBNY GLBZ Banks Regional median
Debt to equity 0.60 0.00 0.22
Current ratio 0.99 0.73 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GBNY GLBZ Banks Regional median
Dividend yield — 5.77% 3.75%
Payout ratio 0.00 0.60 0.27

Size

Metric GBNY GLBZ Banks Regional median
Market cap 35.11m 12.26m 921.07m

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