Glen Burnie Bancorp (GLBZ) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

OptimumBank Holdings, Inc.

Citizens Holding Co. (Mississippi)

AmeriServ Financial, Inc.

Bank of the James Financial Group, Inc.

First US Bancshares, Inc.

Glen Burnie Bancorp

Pathfinder Bancorp, Inc.

Patriot National Bancorp, Inc.

SHF Holdings, Inc.

BayFirst Financial Corp.

Apptech Payments Corp.

Why is Glen Burnie Bancorp ?

The company has declared Negative results for the last 6 consecutive quarters

OPERATING CASH FLOW(Y) Lowest at USD -0.58 MM
PRE-TAX PROFIT(Q) At USD -0.38 MM has Fallen at -428.17%
INTEREST(9M) At USD 3.4 MM has Grown at 36.82%

With ROA of 0.01%, it has a expensive valuation with a 0.75 Price to Book Value

Over the past year, while the stock has generated a return of -28.00%, its profits have fallen by -96%

Increasing Participation by Institutional Investors

Institutional investors have increased their stake by 0.76% over the previous quarter and collectively hold 11.95% of the company
These investors have better capability and resources to analyse fundamentals of companies than most retail investors

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -28.00% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Glen Burnie Bancorp should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Glen Burnie Bancorp for you?

High Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Glen Burnie Bancorp

-29.83%

0.22

56.17%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

1.85%

EBIT Growth (5y)

-17.81%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

11.95%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.75

EV to EBIT

-9.62

EV to EBITDA

-9.62

EV to Capital Employed

0.67

EV to Sales

0.62

PEG Ratio

Dividend Yield

1.99%

ROCE (Latest)

-2.32%

ROE (Latest)

0.20%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

RSI

No Signal

Bullish

Bollinger Bands

Sideways

Bearish

Moving Averages

Bearish (Daily)

KST

Mildly Bullish

Dow Theory

Mildly Bearish

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

6What is working for the Company

NET PROFIT(HY)

Higher at USD -0.06 MM

CREDIT DEPOSIT RATIO(Q)

Highest at 0.5%

-19What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD -0.58 MM

PRE-TAX PROFIT(Q)

At USD -0.38 MM has Fallen at -428.17%

INTEREST(9M)

At USD 3.4 MM has Grown at 36.82%

CASH AND EQV(HY)

Lowest at USD 3.47 MM

DIVIDEND PER SHARE(HY)

Lowest at USD 0

NET PROFIT(Q)

Lowest at USD -0.21 MM

EPS(Q)

Lowest at USD -0.07

Here's what is working for Glen Burnie Bancorp

Credit Deposit Ratio

Highest at 0.5% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Glen Burnie Bancorp

Pre-Tax Profit

At USD -0.38 MM has Fallen at -428.17%

over average net sales of the previous four periods of USD -0.07 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD -0.21 MM has Fallen at -2,274.36%

over average net sales of the previous four periods of USD 0.01 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Operating Cash Flow

Lowest at USD -0.58 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Interest

At USD 3.4 MM has Grown at 36.82%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Net Profit

Lowest at USD -0.21 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD -0.07

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Cash and Eqv

Lowest at USD 3.47 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Dividend per share

Lowest at USD 0

in the last five years

MOJO Watch

Company is distributing lower dividend than previous years

DPS (USD)

Capital Adequacy Ratio

Lowest at 14.91%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)