Glen Burnie Bancorp (GLBZ) vs Texas Community Bancshares, Inc. (TCBS)

Glen Burnie Bancorp and Texas Community Bancshares, Inc. are both Banks Regional companies. Texas Community Bancshares, Inc. is the larger, with a market value of $48.8M against $12.3M — 4.0× the size. Glen Burnie Bancorp has negative trailing earnings, so its P/E is not meaningful; Texas Community Bancshares, Inc. trades at 13.4×. Glen Burnie Bancorp grew revenue faster over the last twelve months: 13.4% against 5.96%. Texas Community Bancshares, Inc. has the higher net margin (12.7% vs −0.84%) and the higher return on invested capital (2.83% vs −2.07%). Both pay a dividend; Glen Burnie Bancorp yields more (5.77% vs 0.78%). Across the 18 metrics below, Texas Community Bancshares, Inc. leads on 11 and Glen Burnie Bancorp on 7.

Valuation

Metric GLBZ TCBS Banks Regional median
P/E n/m 13.39 12.15
P/S 0.70 1.72 2.37
P/B 0.61 0.82 1.21
Price to free cash flow n/m 19.41 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.43 2.90 2.27
Earnings yield (1.19%) 7.47% 8.11%
Free cash flow yield (6.98%) 5.15% 8.98%

Profitability

Metric GLBZ TCBS Banks Regional median
Gross margin 73.74% 66.26% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (0.84%) 12.68% 18.66%
Free cash flow margin 0.00% 8.85% 21.18%
Return on equity (0.78%) 6.16% 10.64%
Return on assets (0.04%) 0.75% 1.13%
Return on invested capital (2.07%) 2.83% 8.33%

Growth

Metric GLBZ TCBS Banks Regional median
Revenue growth (TTM) 13.36% 5.96% 6.61%
EPS growth (last fiscal year) 75.00% 327.27% —
Revenue growth, 5-year CAGR 3.06% 15.65% 12.30%
Net income growth, 5-year CAGR 0.00% 30.57% 9.71%

Health

Metric GLBZ TCBS Banks Regional median
Debt to equity 0.00 0.84 0.22
Current ratio 0.73 0.96 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GLBZ TCBS Banks Regional median
Dividend yield 5.77% 0.78% 3.75%
Payout ratio 0.60 1.67 0.27

Size

Metric GLBZ TCBS Banks Regional median
Market cap 12.26m 48.84m 921.07m

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