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Glen Burnie Bancorp(GLBZ)Earnings, Financials & Key Ratios
GLBZ•NASDAQ•Banking & Credit
$4.55
Price updated Jul 7, 2026
AboutGlen Burnie Bancorp operates as the bank holding company for The Bank of Glen Burnie that provides commercial and retail banking services to individuals, associations, partnerships, and corporations. The company accepts various deposits, including savings accounts, money market deposit accounts, demand deposit accounts, NOW checking accounts, and IRA and SEP accounts, as well as certificates of deposit. It also provides residential and commercial real estate, construction, land acquisition and development, and secured and unsecured commercial loans, as well as consumer installment lending, such as indirect automobile lending services; and residential first and second mortgage loans, home equity lines of credit, and commercial mortgage loans. In addition, the company offers ancillary products and services comprising safe deposit boxes, money orders, night depositories, automated clearinghouse transactions, and automated teller machine (ATM) services, as well as electronic banking services that include telephone banking, online banking, bill pay, card control, mobile app, merchant source capture, mobile deposit capture, Zelle, etc. Further, it provides treasury services, including wire transfer and ACH services, and debit cards. Additionally, the company engages in the business of acquiring, holding, and disposing of real property. It serves customers in northern Anne Arundel county and surrounding areas from its main office and branch in Glen Burnie, Maryland; and branch offices in Odenton, Riviera Beach, Crownsville, Severn, Linthicum, and Severna Park, Maryland. The company also has a remote ATM located in Pasadena, Maryland. Glen Burnie Bancorp was founded in 1949 and is based in Glen Burnie, Maryland.Show more
- Net Interest Income$11M
- Total Revenue$17M+6.4%
- Net Income-$29K+74.1%
- Return on Equity-0.15%+75.5%
- Net Interest Margin3.04%-0.3%
- Efficiency Ratio77.64%+8.8%
- ROA-0.01%+74.3%
- Equity / Assets5.95%+19.9%
- Book Value per Share7.34+19.3%
GLBZ Price & Volume
Glen Burnie Bancorp (GLBZ) stock price & volume — 10-year historical chart
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Persistent Margin Compression Strains Operational Capital Stability
Investment Thesis • Updated 2025Q4
VerdictNegative
Growth:Mixed
Profitability:Negative
Financial:Strained
Cash Flow:Deteriorating
Primary Risk:Operational scale and efficiency
Key Thesis Takeaways
- Glen Burnie Bancorp faces significant structural headwinds characterized by a stagnant net interest margin of 0.8% and an efficiency ratio that peaked at 79.3% in 2025Q2.
- The bank's reliance on liquidating its $300.0 million investment securities portfolio to manage liquidity, rather than organic growth, suggests a precarious long-term outlook.
- Investors should monitor the bank's inability to generate consistent net income, which resulted in a $95,000 loss in 2025Q4, as it continues to struggle with operational scale and capital adequacy.
Verdict Logic
the bank's inability to maintain positive profitability, evidenced by a $95,000 net loss in 2025Q4 and a persistent 0.8% net interest margin, suggests significant operational risk.
GLBZ Growth Metrics
Glen Burnie Bancorp (GLBZ) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years0.27%
5 Years3.59%
3 Years7.33%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM74.11%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM74.29%
Return on Capital
10 Years4.18%
5 Years3.68%
3 Years1.54%
Last Year-0.2%
GLBZ Recent Earnings
Glen Burnie Bancorp (GLBZ) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
May 1, 2026Metric
Actual
Est
EPS
$0.03
—
Rev
$5M
—
Q4 2025
Dec 31, 2025Metric
Actual
Est
EPS
$0.03
—
Rev
$5M
—
Q4 2025
Oct 31, 2025Metric
Actual
Est
EPS
$0.04
—
Rev
—
—
Q3 2025
Jul 29, 2025Metric
Actual
Est
EPS
$0.07
—
Rev
$4M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 1, 2026 | $0.03 | $5M |
| Q4 2025 | Dec 31, 2025 | $0.03 | $5M |
| Q4 2025 | Oct 31, 2025 | $0.04 | — |
| Q3 2025 | Jul 29, 2025 | $0.07 | $4M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Glen Burnie Bancorp (GLBZ)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $4.55 | $13.28M | -459.60 | 6.43% | -0.17% | -0.15% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $43.96 | $283.4M | 11.66 | 6.6% | 20.89% | 12.7% | — | |
| $24.06 | $171.21M | 13.67 | -1.44% | 12.96% | 7.98% | — | |
| $72.82 | $349.9M | 9.56 | 2.75% | 22.5% | 11.89% | — | |
| $29.30 | $264.9M | 14.95 | 27.11% | 18.05% | 11.51% | — |
Compare GLBZ vs Peers
Glen Burnie Bancorp (GLBZ) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
GLBZ SEC Filings & Documents
Glen Burnie Bancorp (GLBZ) SEC filings — annual & quarterly reports (10-K, 10-Q)
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GLBZ Frequently Asked Questions
Glen Burnie Bancorp (GLBZ) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Glen Burnie Bancorp growing?
Glen Burnie Bancorp (GLBZ) grew revenue by 6.4% over the past year. This is steady growth.
Is GLBZ profitable?
Glen Burnie Bancorp (GLBZ) reported a net loss of $0.0M for fiscal year 2025.
Dividend & Returns
What is GLBZ's return on equity?
Glen Burnie Bancorp (GLBZ) has a return on equity (ROE) of -0.1%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is Glen Burnie Bancorp's net interest margin?
Glen Burnie Bancorp (GLBZ) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.
What is Glen Burnie Bancorp's efficiency ratio?
Glen Burnie Bancorp (GLBZ) has an efficiency ratio of 77.6%. This is higher than peers, suggesting room for cost optimization.