Glen Burnie Bancorp (GLBZ) Key Metrics
GLBZ valuation today
Trailing 12 months · as of October 21, 2026- Market cap
- $12.8M
- Enterprise value
- $22.1M
- P/E (TTM)
- — 10-yr median 18.6
- Forward P/E
- 10.6
- PEG ratio
- —
- Price / sales
- 1.0 10-yr median 2.0
- Price / book
- 0.6 10-yr median 0.9
- EV / EBITDA
- —
- Dividend yield
- —
- Beta
- 0.18
GLBZ key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsGLBZ valuation Price multiples at each fiscal year-end price.
Price / sales−30.9%
0.7
2025 · hover or tap a bar for each year
20162025
Price / book−38.8%
0.6
2025 · hover or tap a bar for each year
20162025
Free cash flow yield−7.0 pts
−7.3%
2025 · hover or tap a bar for each year
20162025
GLBZ returns How much profit the business earns on the capital it uses.
Return on equity+0.5 pts
−0.1%
2025 · hover or tap a bar for each year
20162025
Return on assets0.0 pts
−0.0%
2025 · hover or tap a bar for each year
20162025
Free cash flow margin−5.0 pts
−5.3%
2025 · hover or tap a bar for each year
20162025
Asset turnover+5.2%
0.05
2025 · hover or tap a bar for each year
20162025
GLBZ per-share figures Results divided by the shares outstanding at year-end.
Revenue per share+5.6%
$5.85
2025 · hover or tap a bar for each year
20162025
Earnings per share
−$0.01
2025 · hover or tap a bar for each year
20162025
Free cash flow per share
−$0.31
2025 · hover or tap a bar for each year
20162025
Book value per share+19.3%
$7.34
2025 · hover or tap a bar for each year
20162025
Dividends per share−100.0%
$0.00
2025 · hover or tap a bar for each year
20162025
Shares outstanding+0.8%
2.9M
2025 · hover or tap a bar for each year
20162025
GLBZ financial health Debt, liquidity and how easily interest is covered.
Debt / equity−88.9%
0.19
2025 · hover or tap a bar for each year
20162025
Net debt+$71.2M
$2.2M
2025 · hover or tap a bar for each year
20162025
Current ratio+157.4%
0.77
2025 · hover or tap a bar for each year
20162025
Interest coverage
-0.1
2025 · hover or tap a bar for each year
20162025
Debt / assets−86.7%
0.01
2025 · hover or tap a bar for each year
20162025
GLBZ efficiency & capital use Working capital cycle and where the cash goes.
Days sales outstanding−2 days
30 days
2025 · hover or tap a bar for each year
20162025
Capex / revenue+0.2 pts
0.7%
2025 · hover or tap a bar for each year
20162025
GLBZ valuation history
Fiscal year-endToday10-year median
GLBZ returns on capital
ROEROICROA
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
GLBZ debt vs cash
Total debtCash & short-term investments
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
GLBZ cash returned to shareholders
DividendsBuybacksFree cash flow
GLBZ price vs earnings per share
Share price at year-endEPS (right axis)
GLBZ key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $12.4M | $16.9M | $17.2M | $23.8M | $39.9M | $31.2M | $32.4M | $29.3M | $30.9M | $32.0M |
| Enterprise value | $14.6M | −$52.2M | −$94.2M | −$150.1M | −$158.2M | −$90.0M | −$27.3M | −$13.2M | −$51.1M | $54.6M |
| P/E ratio | — | — | 12.1 | 13.6 | 15.8 | 18.7 | 20.3 | 18.5 | 33.9 | 29.0 |
| Price / sales | 0.7 | 1.1 | 1.2 | 1.7 | 2.9 | 2.2 | 2.1 | 1.9 | 2.1 | 2.2 |
| Price / book | 0.6 | 0.9 | 0.9 | 1.5 | 1.1 | 0.8 | 0.9 | 0.9 | 0.9 | 0.9 |
| Price / free cash flow | — | — | 13.8 | 12.1 | 11.8 | 30.3 | 12.2 | 7.5 | 8.9 | 14.2 |
| Price / operating cash flow | — | 602.0 | 12.3 | 10.7 | 10.9 | 19.5 | 10.8 | 7.1 | 8.4 | 12.4 |
| EV / sales | 0.9 | -3.3 | -6.7 | -10.9 | -11.5 | -6.3 | -1.8 | -0.8 | -3.5 | 3.8 |
| EV / EBITDA | — | — | — | — | — | — | — | — | — | 24.7 |
| EV / free cash flow | — | — | — | — | — | — | — | — | — | 24.2 |
| Earnings yield | −0.2% | −0.7% | 8.3% | 7.3% | 6.3% | 5.3% | 4.9% | 5.4% | 2.9% | 3.4% |
| Free cash flow yield | −7.3% | −0.3% | 7.2% | 8.3% | 8.4% | 3.3% | 8.2% | 13.4% | 11.2% | 7.1% |
| Dividend yield | 0.0% | 5.1% | 6.7% | 4.8% | 2.9% | 3.6% | 3.5% | 3.8% | 3.6% | 3.5% |
| Shareholder yield (dividends + buybacks) | 0.0% | 5.1% | 6.7% | 4.8% | 2.9% | 3.6% | 3.5% | 3.8% | 3.6% | 3.5% |
| Share price at fiscal year-end | $4.25 | $5.83 | $6.00 | $8.31 | $14.00 | $11.00 | $11.50 | $10.43 | $11.06 | $11.50 |
| Per share | ||||||||||
| Revenue per share | $5.85 | $5.54 | $4.91 | $4.83 | $4.84 | $5.05 | $5.46 | $5.62 | $5.22 | $5.18 |
| Earnings per share | −$0.01 | −$0.04 | $0.50 | $0.61 | $0.88 | $0.59 | $0.57 | $0.56 | $0.33 | $0.40 |
| Operating cash flow per share | −$0.27 | $0.01 | $0.49 | $0.78 | $1.28 | $0.57 | $1.06 | $1.47 | $1.31 | $0.93 |
| Free cash flow per share | −$0.31 | −$0.02 | $0.43 | $0.69 | $1.18 | $0.36 | $0.94 | $1.40 | $1.24 | $0.81 |
| Cash per share | $0.61 | $34.21 | $49.23 | $60.93 | $76.57 | $53.31 | $30.05 | $34.73 | $36.49 | $2.67 |
| Book value per share | $7.34 | $6.16 | $6.73 | $5.61 | $12.54 | $13.08 | $12.65 | $12.13 | $12.18 | $12.16 |
| Tangible book value per share | $7.24 | $6.16 | $6.73 | $5.61 | $12.54 | $13.08 | $12.65 | $12.13 | $12.18 | $12.16 |
| Dividends per share | $0.00 | $0.30 | $0.40 | $0.40 | $0.40 | $0.40 | $0.40 | $0.40 | $0.40 | $0.40 |
| Capex per share | $0.04 | $0.03 | $0.05 | $0.09 | $0.10 | $0.20 | $0.12 | $0.07 | $0.07 | $0.12 |
| Debt per share | $1.37 | $10.37 | $10.44 | $0.13 | $7.02 | $10.55 | $8.86 | $19.59 | $7.16 | $10.79 |
| Shares outstanding | 2.9M | 2.9M | 2.9M | 2.9M | 2.8M | 2.8M | 2.8M | 2.8M | 2.8M | 2.8M |
| Change in shares outstanding | +0.8% | +0.7% | +0.5% | +0.4% | +0.5% | +0.5% | +0.5% | +0.5% | +0.5% | +0.4% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | −0.1% | −0.6% | 8.1% | 6.7% | 6.9% | 4.6% | 4.6% | 4.6% | 2.7% | 3.2% |
| Return on invested capital (ROIC) | — | — | — | — | — | — | — | — | — | 2.0% |
| Return on assets (ROA) | −0.0% | −0.0% | 0.4% | 0.4% | 0.6% | 0.4% | 0.4% | 0.4% | 0.2% | 0.3% |
| Return on tangible assets | −0.0% | −0.0% | 0.4% | 0.5% | 0.6% | 0.4% | 0.4% | 0.4% | 0.2% | 0.3% |
| Free cash flow margin | −5.3% | −0.3% | 8.8% | 14.3% | 24.4% | 7.2% | 17.2% | 24.9% | 23.8% | 15.7% |
| Income quality (OCF / net income) | — | — | 0.98 | 1.28 | 1.45 | 0.96 | 1.87 | 2.61 | 4.03 | 2.35 |
| Financial health | ||||||||||
| Total debt | $4.0M | $30.0M | $30.0M | $377,000 | $20.0M | $29.9M | $25.0M | $55.0M | $20.0M | $30.0M |
| Cash & short-term investments | $1.8M | $99.0M | $141.5M | $174.2M | $218.1M | $151.1M | $84.8M | $97.5M | $102.0M | $7.4M |
| Net debt | $2.2M | −$69.0M | −$111.5M | −$173.8M | −$198.1M | −$121.2M | −$59.8M | −$42.5M | −$82.0M | $22.6M |
| Debt / equity | 0.19 | 1.68 | 1.55 | 0.02 | 0.56 | 0.81 | 0.70 | 1.62 | 0.59 | 0.89 |
| Debt / assets | 0.01 | 0.08 | 0.09 | 0.00 | 0.05 | 0.07 | 0.06 | 0.13 | 0.05 | 0.08 |
| Net debt / EBITDA | — | — | −64.51 | −58.36 | −48.46 | −54.66 | −20.04 | −15.29 | −29.81 | 10.22 |
| Current ratio | 0.77 | 0.30 | 0.43 | 0.48 | 0.56 | 0.40 | 0.25 | 0.27 | 0.29 | — |
| Quick ratio | 0.77 | 0.30 | 0.43 | 0.48 | 0.72 | 0.50 | 0.30 | 0.32 | 0.36 | 634.49 |
| Interest coverage | -0.1 | -0.1 | 1.2 | 2.3 | 2.9 | 1.4 | 1.1 | 0.8 | 0.9 | 0.5 |
| Working capital | −$935,000 | −$238.2M | −$186.8M | −$189.2M | −$176.2M | −$229.2M | −$261.6M | −$278.3M | −$251.1M | $102.69B |
| Invested capital | $23.6M | −$51.2M | −$92.1M | −$157.8M | −$162.4M | −$84.1M | −$24.1M | −$8.5M | −$47.9M | $56.4M |
| Tangible asset value | $21.1M | $17.8M | $19.3M | $16.1M | $35.7M | $37.1M | $35.7M | $34.1M | $34.0M | $33.8M |
| Net current asset value | −$335.4M | −$240.2M | −$189.2M | −$189.5M | −$186.5M | −$229.5M | −$261.9M | −$278.6M | −$251.4M | $102.33B |
| Graham number | — | — | $8.67 | $8.78 | $15.79 | $13.16 | $12.70 | $12.40 | $9.45 | $10.41 |
| Graham net-net per share | −$115.10 | −$83.28 | −$66.00 | −$66.55 | −$76.94 | −$88.14 | −$96.09 | −$103.07 | −$94.78 | $18,337.30 |
| Capital allocation | ||||||||||
| Dividends paid | $0 | $865,000 | $1.1M | $1.1M | $1.1M | $1.1M | $1.1M | $1.1M | $1.1M | $1.1M |
| Share buybacks (net) | — | — | — | — | — | — | $0 | $0 | $0 | $0 |
| Dividend payout ratio | — | — | 80.4% | 65.5% | 45.2% | 68.0% | 70.5% | 70.9% | 122.6% | 101.0% |
| Dividends + buybacks / free cash flow | — | — | 92.1% | 58.0% | 33.8% | 110.2% | 42.5% | 28.6% | 32.2% | 49.3% |
| Capex / revenue | 0.7% | 0.5% | 1.1% | 1.9% | 2.1% | 4.0% | 2.2% | 1.3% | 1.4% | 2.3% |
| Capex / operating cash flow | — | 289.3% | 10.9% | 11.5% | 7.9% | 35.8% | 11.2% | 5.1% | 5.6% | 12.7% |
| Capex / depreciation | 0.32 | 0.34 | 0.67 | 0.26 | 0.29 | 9.71 | 0.36 | 0.20 | 0.22 | 0.28 |
| Stock-based compensation / revenue | — | — | −5.7% | — | — | — | — | 5.5% | 2.3% | 6.3% |
| SG&A / revenue | 50.7% | 45.3% | 52.3% | 50.6% | 52.4% | 52.1% | 49.2% | 47.9% | 48.9% | 48.7% |
| Efficiency | ||||||||||
| Days sales outstanding | 29.7 | 31.9 | 32.0 | 33.6 | 37.1 | 45.9 | 54.0 | 46.0 | 34.2 | 28.6 |
| Days of inventory on hand | — | — | 211.0 | — | -190,459.9 | -12,370.0 | -3,634.2 | -2,758.5 | 8,241,030.2 | 12,816,246.8 |
| Days payables outstanding | — | — | — | 160,590.1 | 1,350,992.2 | 77,800.0 | 32,728.9 | 19,945.9 | 69.8 | 4.5 |
| Cash conversion cycle (days) | — | — | — | -160,556.5 | -1,541,415.0 | -90,124.1 | -36,309.1 | -22,658.4 | 8,240,994.6 | 12,816,270.9 |
| Receivables turnover | 12.28 | 11.43 | 11.41 | 10.85 | 9.83 | 7.95 | 6.76 | 7.94 | 10.67 | 12.77 |
| Payables turnover | — | — | — | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 5.23 | 80.86 |
| Inventory turnover | — | — | 1.73 | — | — | — | — | — | — | 0.00 |
| Asset turnover | 0.05 | 0.05 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Average receivables | $1.4M | $1.4M | $1.2M | $1.3M | $1.4M | $1.8M | $2.3M | $2.0M | $1.4M | $1.1M |
| Average payables | — | — | — | $373.1M | $366.4M | $176.1M | $162.5M | $161.6M | $434,562 | $36,989 |
| Average inventory | — | — | $748,000 | — | −$51.7M | −$28.0M | −$18.0M | −$22.4M | $51.32B | $105.02B |
| Intangibles / total assets | 0.1% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from GLBZ's annual financial statements (latest annual report filed December 31, 2025) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
GLBZ valuation and financial ratios
Glen Burnie Bancorp earned a return on equity of −0.1% in fiscal 2025. It ended the year with $4.0 million of debt and $1.8 million in cash and short-term investments, net debt of $2.2 million. The share count rose 4.9% from 2.8M to 2.9M over 9 years.
See the GLBZ income statement, the GLBZ chart for price history, or the GLBZ stock overview for the latest quote and news.
GLBZ key metrics FAQ
What is Glen Burnie Bancorp's return on equity?
Glen Burnie Bancorp's return on equity (ROE) was −0.1% in fiscal 2025: net income of -$0.0 million on average shareholders' equity of $19.6 million.
How much debt does Glen Burnie Bancorp have?
Glen Burnie Bancorp had total debt of $4.0 million at the end of fiscal 2025, a debt-to-equity ratio of 0.19.
Does Glen Burnie Bancorp pay a dividend?
Glen Burnie Bancorp did not pay a dividend in fiscal 2025.
What is Glen Burnie Bancorp's free cash flow yield?
Glen Burnie Bancorp generated -$0.9 million of free cash flow in fiscal 2025, a free cash flow yield of −7.3% on its market value at year-end ($12.4 million).
What is Glen Burnie Bancorp's current ratio?
Glen Burnie Bancorp's current ratio was 0.77 at the end of fiscal 2025: current assets were 0.77 times current liabilities.