Glen Burnie Bancorp (GLBZ) vs SHF Holdings, Inc. (SHFS)

Glen Burnie Bancorp and SHF Holdings, Inc. are both Banks Regional companies. Glen Burnie Bancorp is the larger, with a market value of $12.3M against $2.1M — 6.0× the size. Glen Burnie Bancorp grew revenue faster over the last twelve months: 13.4% against −28.6%. Glen Burnie Bancorp has the higher net margin (−0.84% vs −64.1%) and the higher return on invested capital (−2.07% vs −879.5%). Across the 17 metrics below, Glen Burnie Bancorp leads on 11 and SHF Holdings, Inc. on 6.

Valuation

Metric GLBZ SHFS Banks Regional median
P/E n/m n/m 12.15
P/S 0.70 0.14 2.37
P/B 0.61 0.18 1.21
Price to free cash flow n/m n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.43 0.78 2.27
Earnings yield (1.19%) (618.75%) 8.11%
Free cash flow yield (6.98%) (419.03%) 8.98%

Profitability

Metric GLBZ SHFS Banks Regional median
Gross margin 73.74% 100.00% 69.57%
Operating margin 0.00% (66.95%) 0.00%
Net margin (0.84%) (64.13%) 18.66%
Free cash flow margin 0.00% (56.83%) 21.18%
Return on equity (0.78%) 85.14% 10.64%
Return on assets (0.04%) (49.79%) 1.13%
Return on invested capital (2.07%) (879.51%) 8.33%

Growth

Metric GLBZ SHFS Banks Regional median
Revenue growth (TTM) 13.36% (28.59%) 6.61%
EPS growth (last fiscal year) 75.00% 95.30% —
Revenue growth, 5-year CAGR 3.06% 1.84% 12.30%
Net income growth, 5-year CAGR 0.00% 0.00% 9.71%

Health

Metric GLBZ SHFS Banks Regional median
Debt to equity 0.00 0.00 0.22
Current ratio 0.73 1.76 0.94
Net debt to EBITDA 0.00 1.30 0.00

Dividend

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

Size

Metric GLBZ SHFS Banks Regional median
Market cap 12.26m 2.06m 921.07m

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