Glen Burnie Bancorp (GLBZ) Fair Value & Analysis

Financial Services · US · Market cap $13.2M

Below-average quality, currently priced close to our fair value.

What matters now

• The price sits close to our fair value, market and models broadly agree here, little valuation tension.
• A fairly wide model range ($3.67 to $7.34) leaves room in how you read the outcome.
• Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $3.70 – $12.25 · fair‑value band $3.67 – $7.34 · the $4.52 price screens below the $4.92 fair value. Dashed = 300-day average. As of Jul 26, 2026.

Full chart & analysis →

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Analysis

Glen Burnie Bancorp (GLBZ) currently trades at $4.52, while our model-based Fair Value estimate is $4.92, implying the stock looks roughly 8.8% fairly valued today. The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.

Over the trailing twelve months, Glen Burnie Bancorp generated revenue of $12.8M at a net margin of -0.8%. Revenue grew 13.1% year over year. It earns a return on equity of -0.5%. Net debt stands at $2.2M. Fundamentals as of Jul 26, 2026

Our scenario range runs from $3.67 (bear case) to $7.34 (bull case); at $4.52, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 23% below its 52-week high and 22% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 9%, GLBZ screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Key figures & financial health

Quality Score breakdown

About the company

Glen Burnie Bancorp operates as the bank holding company for The Bank of Glen Burnie that provides commercial and retail banking services to corporate and individuals clients in Maryland.

Full company description

Glen Burnie Bancorp operates as the bank holding company for The Bank of Glen Burnie that provides commercial and retail banking services to corporate and individuals clients in Maryland. The company offers checking and savings accounts, money market deposit accounts, demand deposit accounts, IRA and SEP accounts, retirement accounts, and certificates of deposit, as well as ICS and CDARS, record checks, eStatement, positive pay, and remote deposite capture. It also provides personal, vehicle/boat, commercial and industrial loans, consumer, residential and commercial real estate, construction, and land; small business administration; home equity lines of credit; and farmland, single-family residential, multi-family, SBA guaranty, consumer, and automobile loans, as well as commercial property and business growth loans. In addition, the company offers safe deposit boxes, 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, wire transfer services, ACH services, and debit cards. The company was founded in 1949 and is based in Glen Burnie, Maryland.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Glen Burnie Bancorp reported revenue of $17.1M in FY2025 versus $13.8M in FY2021, a compound +5.5%/yr. Reported net income was −$29.0K in FY2025.

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Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.