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Upturn AI SWOT - About
GLBZ 
Glen Burnie Bancorp (GLBZ)
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Upturn Advisory Summary
04/01/2025: GLBZ (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -13.55% | Avg. Invested days 28 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 16.30M USD | Price to earnings Ratio 140.5 | 1Y Target Price - |
Price to earnings Ratio 140.5 | 1Y Target Price - | ||
Volume (30-day avg) 5068 | Beta 0.61 | 52 Weeks Range 3.30 - 6.99 | Updated Date 03/30/2025 |
52 Weeks Range 3.30 - 6.99 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 7.12% | Basic EPS (TTM) 0.04 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 0.84% | Operating Margin (TTM) 3.88% |
Management Effectiveness
Return on Assets (TTM) 0.03% | Return on Equity (TTM) 0.55% |
Valuation
Trailing PE 140.5 | Forward PE - | Enterprise Value 23839828 | Price to Sales(TTM) 1.31 |
Enterprise Value 23839828 | Price to Sales(TTM) 1.31 | ||
Enterprise Value to Revenue 3.71 | Enterprise Value to EBITDA - | Shares Outstanding 2900680 | Shares Floating 2316600 |
Shares Outstanding 2900680 | Shares Floating 2316600 | ||
Percent Insiders 18.48 | Percent Institutions 5.62 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Glen Burnie Bancorp
Company Overview
History and Background
Glen Burnie Bancorp was established in 1907, originating as a mutual savings bank focused on serving the financial needs of the Glen Burnie, Maryland community. Over time, it evolved into a publicly traded company and expanded its range of banking services.
Core Business Areas
- Community Banking: Provides traditional banking services, including deposit accounts, loans, and other financial products to individuals and small businesses in its market area.
- Commercial Lending: Offers commercial real estate loans, business loans, and other credit facilities to businesses of various sizes.
- Residential Mortgages: Provides mortgage loans for the purchase or refinance of residential properties.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure includes various departments responsible for different aspects of the business, such as lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not readily available and fluctuates; competition includes larger regional and national banks. Competitors: M&T Bank, PNC Financial Services.
- Residential Mortgages: Mortgage loans for residential properties. Market share data is not readily available. Competitors: Bank of America, Wells Fargo, local credit unions.
- Small Business Loans: Loans for operating and growth of small businesses. Market share data is not readily available. Competitors: US Small Business Administration (SBA) lenders, online lenders.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, low interest rates, and increased competition from non-bank financial institutions. Consolidation and technological advancements are key trends.
Positioning
Glen Burnie Bancorp operates as a community bank, emphasizing local relationships and personalized service. Its competitive advantages lie in its knowledge of the local market and its ability to provide customized financial solutions.
Total Addressable Market (TAM)
The TAM for banking services in Glen Burnie's operating area is substantial, encompassing individuals, small businesses, and commercial real estate. Glen Burnie Bancorp is positioned to capture a portion of this market through its local focus and community-oriented approach.
Upturn SWOT Analysis
Strengths
- Strong local presence and customer relationships
- Experienced management team
- Conservative lending practices
- High-quality loan portfolio
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger regional and national banks
- Dependence on traditional banking model
- Limited product diversification
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking technologies
- Growth in commercial real estate lending
- Partnerships with fintech companies
Threats
- Increased competition from larger banks and non-bank lenders
- Rising interest rates
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- MTB
- PNC
- WSFS
Competitive Landscape
Glen Burnie Bancorp faces strong competition from larger regional and national banks with greater resources and broader service offerings. Its competitive advantage lies in its local focus and personalized service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth has likely been steady but moderate, reflecting the community bank's conservative approach and limited geographic footprint.
Future Projections: Future growth projections are not available without analyst estimates.
Recent Initiatives: Recent initiatives may include investments in digital banking platforms, expansion of lending services, and community outreach programs.
Summary
Glen Burnie Bancorp is a community bank with a strong local presence and conservative lending practices. It faces competition from larger institutions and needs to invest in digital technologies to remain competitive. The company's strength lies in its customer relationships, but its limited size and geographic footprint pose challenges. Rising interest rates and economic uncertainty could impact its future performance.
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Sources and Disclaimers
Data Sources:
- Company filings, industry reports, news articles.
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share and financial data are estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Glen Burnie Bancorp
Exchange NASDAQ | Headquaters Glen Burnie, MD, United States | ||
IPO Launch date 1999-11-10 | President, CEO & Director Mr. Mark Christopher Hanna | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | |
Full time employees - | |||
Glen 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 offers savings accounts, money market deposit accounts, demand deposit accounts, NOW checking accounts, IRA and SEP accounts, and 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 instalment 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 safe deposit boxes, money orders, night depositories, automated clearinghouse transactions, wire transfers, and automated teller machine (ATM) services, as well as electronic banking services, such as telephone and online banking, bill pay, card management and 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 acquisition and disposition of other real estate properties. 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 operates a remote ATM located in Pasadena, Maryland. The company was founded in 1949 and is based in Glen Burnie, Maryland.
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