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Glen Burnie Bancorp (GLBZ) Financials

Glen Burnie Bancorp logo
$4.52 +0.10 (+2.35%)
As of 10:53 AM Eastern
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Annual Income Statements for Glen Burnie Bancorp

Annual Income Statements for Glen Burnie Bancorp

This table shows Glen Burnie Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 1.91 1.35 1.10 0.91 1.58 1.60 1.67 2.52 1.75 1.43 -0.11
Consolidated Net Income / (Loss)		 1.91 1.35 1.10 0.91 1.58 1.60 1.67 2.52 1.75 1.43 -0.11
Net Income / (Loss) Continuing Operations		 1.91 1.35 1.10 0.91 1.58 1.60 1.67 2.52 1.75 1.43 -0.11
Total Pre-Tax Income 		2.22 1.60 1.02 1.82 1.71 2.05 2.16 3.09 1.99 1.50 -0.64
Total Revenue		 15 14 13 13 14 14 13 13 13 13 12
Net Interest Income / (Expense)		 12 11 11 12 13 13 12 12 12 12 11
Total Interest Income		 15 14 13 14 15 15 14 14 13 13 15
Loans and Leases Interest Income		 12 12 11 11 12 13 12 11 8.44 8.56 10
Investment Securities Interest Income		 2.13 1.94 1.97 2.01 2.10 1.43 1.58 2.66 3.40 4.15 3.38
Federal Funds Sold and Securities Borrowed Interest Income		 0.01 0.01 0.12 0.18 0.25 0.34 0.12 0.12 0.87 0.63 1.34
Total Interest Expense		 2.53 2.39 2.12 1.94 2.10 1.93 1.52 1.07 0.85 1.20 4.27
Deposits Interest Expense		 1.89 1.75 1.48 1.30 1.35 1.35 1.04 0.61 0.47 0.51 2.53
Short-Term Borrowings Interest Expense		 0.00 0.00 - 0.45 0.75 0.58 0.46 0.47 0.35 0.69 1.74
Total Non-Interest Income		 2.67 3.01 1.58 1.29 1.52 1.30 1.01 0.63 1.35 1.10 1.16
Service Charges on Deposit Accounts		 - - - - - - - 0.16 0.16 0.16 0.15
Other Service Charges		 1.29 1.75 1.36 0.00 - - 0.85 0.88 0.83 0.78 0.83
Other Non-Interest Income		 0.22 0.22 0.22 1.28 1.19 1.29 0.16 0.17 0.16 0.16 0.18
Provision for Credit Losses		 1.02 1.70 0.87 0.34 0.86 -0.12 -0.69 -0.98 -0.11 0.10 0.84
Total Non-Interest Expense		 11 11 11 11 12 12 12 11 11 12 12
Salaries and Employee Benefits		 6.63 6.49 6.21 6.17 6.59 6.83 6.74 6.50 6.41 6.71 6.58
Net Occupancy & Equipment Expense		 1.73 1.71 1.26 1.46 1.42 1.67 1.45 1.44 1.43 1.45 1.48
Marketing Expense		 - - 0.08 0.16 0.10 0.11 0.09 0.09 0.09 0.10 0.12
Property & Liability Insurance Claims		 - - 0.29 0.25 0.31 0.13 0.19 0.17 0.11 0.16 0.16
Other Operating Expenses		 3.05 2.73 3.02 2.76 3.11 3.21 3.23 2.76 3.31 3.22 3.55
Income Tax Expense		 0.31 0.24 -0.08 0.91 0.13 0.45 0.49 0.58 0.24 0.07 -0.53
Basic Earnings per Share		 $0.69 $0.49 $0.40 $0.33 $0.56 $0.57 $0.59 $0.88 $0.61 $0.50 ($0.04)
Weighted Average Basic Shares Outstanding		 2.76M 2.78M 2.79M 2.80M 2.82M 2.83M 2.85M 2.86M 2.87M 2.89M 2.90M
Diluted Earnings per Share		 $0.69 $0.49 $0.40 $0.33 $0.56 $0.57 $0.59 $0.88 $0.61 $0.50 ($0.04)
Weighted Average Diluted Shares Outstanding		 2.76M 2.78M 2.79M 2.80M 2.82M 2.83M 2.85M 2.86M 2.87M 2.89M 2.90M
Weighted Average Basic & Diluted Shares Outstanding		 2.76M 2.78M 2.79M 2.80M 2.82M 2.83M 2.85M 2.86M 2.87M 2.89M 2.90M
Cash Dividends to Common per Share		 $0.40 $0.27 $0.40 $0.40 $0.40 $0.40 $0.40 $0.40 $0.40 $0.40 $0.20

Quarterly Income Statements for Glen Burnie Bancorp

This table shows Glen Burnie Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025
Net Income / (Loss) Attributable to Common Shareholders		 0.55 0.17 0.00 -0.20 0.13 -0.04 0.15 -0.21 0.13
Consolidated Net Income / (Loss)		 0.55 0.17 0.00 -0.20 0.13 -0.04 0.15 -0.21 0.13
Net Income / (Loss) Continuing Operations		 0.55 0.17 0.00 -0.20 0.13 -0.04 0.15 -0.21 0.13
Total Pre-Tax Income 		0.54 0.14 -0.23 -0.39 0.08 -0.09 0.12 -0.38 0.09
Total Revenue		 3.27 3.19 2.80 3.03 3.18 3.10 2.77 2.96 3.40
Net Interest Income / (Expense)		 2.95 2.89 2.57 2.79 2.82 2.76 2.56 2.74 2.83
Total Interest Income		 3.35 3.44 3.41 3.89 3.96 3.96 3.63 3.88 3.94
Loans and Leases Interest Income		 2.15 2.19 2.22 2.53 2.91 2.85 2.71 2.91 3.13
Investment Securities Interest Income		 1.10 1.08 0.94 0.85 0.81 0.77 0.75 0.73 0.72
Federal Funds Sold and Securities Borrowed Interest Income		 0.10 0.16 0.25 0.51 0.24 0.33 0.18 0.24 0.09
Total Interest Expense		 0.40 0.54 0.83 1.11 1.14 1.19 1.07 1.14 1.11
Deposits Interest Expense		 0.12 0.18 0.40 0.58 0.73 0.82 0.84 0.94 1.04
Short-Term Borrowings Interest Expense		 0.28 0.37 0.43 0.52 0.41 0.38 0.23 0.20 0.06
Total Non-Interest Income		 0.32 0.30 0.23 0.24 0.35 0.33 0.21 0.22 0.57
Service Charges on Deposit Accounts		 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.04
Other Service Charges		 0.23 0.22 0.15 0.16 0.27 0.25 0.13 0.14 0.49
Other Non-Interest Income		 0.04 0.04 0.04 0.04 0.05 0.05 0.04 0.04 0.05
Provision for Credit Losses		 -0.09 0.10 0.17 0.60 0.11 0.07 -0.15 0.08 0.04
Total Non-Interest Expense		 2.82 2.95 2.86 2.82 2.99 3.12 2.79 3.25 3.27
Salaries and Employee Benefits		 1.69 1.62 1.62 1.60 1.65 1.71 1.83 2.03 1.87
Net Occupancy & Equipment Expense		 0.37 0.38 0.37 0.37 0.37 0.37 0.35 0.28 0.27
Marketing Expense		 0.03 0.03 0.02 0.03 0.04 0.03 0.04 0.03 0.05
Property & Liability Insurance Claims		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.05
Other Operating Expenses		 0.70 0.88 0.81 0.79 0.89 0.97 0.54 0.87 1.05
Income Tax Expense		 -0.01 -0.03 -0.23 -0.19 -0.05 -0.05 -0.03 -0.16 -0.04
Basic Earnings per Share		 $0.19 $0.06 $0.00 ($0.07) $0.04 ($0.01) $0.05 ($0.07) $0.04
Weighted Average Basic Shares Outstanding		 2.88M 2.89M 2.89M 2.90M 2.90M 2.90M 2.90M 2.90M 2.92M
Diluted Earnings per Share		 $0.19 $0.06 $0.00 ($0.07) $0.04 ($0.01) $0.05 ($0.07) $0.04
Weighted Average Diluted Shares Outstanding		 2.88M 2.89M 2.89M 2.90M 2.90M 2.90M 2.90M 2.90M 2.92M
Weighted Average Basic & Diluted Shares Outstanding		 2.88M 2.89M 2.89M 2.90M 2.90M 2.90M 2.90M 2.90M 2.92M

Annual Cash Flow Statements for Glen Burnie Bancorp

This table details how cash moves in and out of Glen Burnie Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 2.33 -0.91 -1.75 1.98 3.35 -2.66 24 25 -32 -15 9.22
Net Cash From Operating Activities		 2.52 2.14 2.59 3.67 4.14 2.99 1.60 3.66 2.23 1.40 0.03
Net Cash From Continuing Operating Activities		 2.52 2.14 2.59 3.67 4.14 2.99 1.60 3.66 2.23 1.40 0.03
Net Income / (Loss) Continuing Operations		 1.91 1.35 1.10 0.91 1.58 1.60 1.67 2.52 1.75 1.43 -0.11
Consolidated Net Income / (Loss)		 1.91 1.35 1.10 0.91 1.58 1.60 1.67 2.52 1.75 1.43 -0.11
Provision For Loan Losses		 1.11 1.70 0.90 0.34 0.86 -0.12 -0.69 -0.98 -0.11 0.10 0.84
Depreciation Expense		 0.81 1.14 1.19 0.93 1.07 0.93 0.06 1.00 0.99 0.23 0.24
Amortization Expense		 - - - - - - - - - -0.11 0.17
Non-Cash Adjustments to Reconcile Net Income		 -1.72 -0.66 -0.37 0.35 0.80 0.17 0.22 0.71 -0.16 -0.25 -0.58
Changes in Operating Assets and Liabilities, net		 0.40 -1.39 -0.25 1.15 -0.17 0.40 0.35 0.41 -0.25 0.00 -0.52
Net Cash From Investing Activities		 -14 1.52 -1.43 -1.71 -23 26 -9.89 -1.28 7.01 18 0.85
Net Cash From Continuing Investing Activities		 -14 1.52 -1.43 -1.71 -23 26 -9.89 -1.28 7.01 18 0.85
Purchase of Property, Leasehold Improvements and Equipment		 -0.44 -0.09 -0.33 -0.21 -0.21 -0.34 -0.57 -0.29 -0.26 -0.15 -0.08
Purchase of Investment Securities		 -55 -53 -25 -21 -36 -21 -36 -103 -31 -0.71 -30
Sale and/or Maturity of Investments		 41 55 24 19 13 48 27 102 38 19 30
Net Cash From Financing Activities		 14 -4.56 -2.91 0.03 22 -32 32 23 -41 -34 8.35
Net Cash From Continuing Financing Activities		 14 -4.56 -2.91 0.03 22 -32 32 23 -41 -34 8.35
Net Change in Deposits		 15 -3.69 -1.95 0.99 -12 -1.01 28 34 -20 -63 9.12
Issuance of Debt		 - - - 20 35 - 4.91 10 -10 30 0.00
Payment of Dividends		 -0.95 -0.88 -0.96 -0.97 -0.98 -0.99 -1.00 -1.01 -1.03 -1.03 -0.77
Cash Interest Paid		 2.52 2.39 2.13 1.87 2.05 1.98 1.60 1.08 0.86 1.13 4.20
Cash Income Taxes Paid		 0.30 0.63 - 0.15 0.85 0.16 0.86 0.48 0.00 0.44 0.16

Quarterly Cash Flow Statements for Glen Burnie Bancorp

This table details how cash moves in and out of Glen Burnie Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025
Net Change in Cash & Equivalents		 2.77 0.72 27 -26 5.68 2.00 -0.79 -11 -0.44
Net Cash From Operating Activities		 -0.02 0.57 0.12 0.14 0.50 -0.73 -0.41 0.06 -0.86
Net Cash From Continuing Operating Activities		 -0.02 0.57 0.12 0.14 0.50 -0.73 -0.41 0.06 -0.86
Net Income / (Loss) Continuing Operations		 0.55 0.17 0.00 -0.20 0.13 -0.04 0.15 -0.21 0.13
Consolidated Net Income / (Loss)		 0.55 0.17 0.00 -0.20 0.13 -0.04 0.15 -0.21 0.13
Provision For Loan Losses		 -0.09 0.10 0.17 0.62 0.11 0.07 -0.15 -0.40 0.04
Depreciation Expense		 -0.10 0.11 0.10 0.05 0.09 -0.01 -0.25 0.43 0.09
Amortization Expense		 -0.09 -0.09 0.04 0.04 0.05 0.04 0.03 0.03 0.06
Non-Cash Adjustments to Reconcile Net Income		 -0.05 -0.13 -0.04 -0.04 -0.04 -0.46 -0.04 -0.03 -0.03
Changes in Operating Assets and Liabilities, net		 -0.25 0.41 -0.16 -0.32 0.17 -0.33 -0.16 0.24 -1.15
Net Cash From Investing Activities		 7.44 10 8.36 -12 -2.97 7.81 1.56 -4.12 1.67
Net Cash From Continuing Investing Activities		 7.44 10 8.36 -12 -2.97 7.81 1.56 -4.12 1.67
Purchase of Investment Securities		 -0.58 9.79 -1.97 1.82 -31 -30 -1.88 -6.44 -1.63
Sale and/or Maturity of Investments		 7.87 0.41 10 -14 28 37 3.44 2.32 3.30
Net Cash From Financing Activities		 -4.64 -10 19 -14 8.15 -5.08 -1.93 -6.94 -1.25
Net Cash From Continuing Financing Activities		 -4.64 -10 19 -14 8.15 -5.08 -1.93 -6.94 -1.25
Net Change in Deposits		 -14 -15 9.17 -3.37 8.41 -5.08 8.07 0.06 12
Repayment of Debt		 - - - - - - - - -13
Cash Interest Paid		 0.37 0.54 0.89 1.10 0.19 2.03 1.13 1.16 1.14

Annual Balance Sheets for Glen Burnie Bancorp

This table presents Glen Burnie Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 395 391 388 389 413 385 419 442 381 352 359
Cash and Due from Banks		 7.10 7.49 3.20 2.61 2.61 2.42 2.12 2.11 2.04 1.94 2.01
Interest Bearing Deposits at Other Banks		 2.15 2.31 7.43 10.00 13 11 35 60 28 13 22
Trading Account Securities		 88 99 96 91 84 73 115 157 144 141 110
Loans and Leases, Net of Allowance		 0.00 0.00 263 269 297 283 252 208 184 174 202
Loans and Leases		 - - 265 272 299 285 254 210 186 176 205
Allowance for Loan and Lease Losses		 - - 2.48 2.59 2.54 2.07 1.48 2.47 2.16 2.16 2.84
Premises and Equipment, Net		 3.67 3.37 3.64 3.37 3.11 3.76 3.85 3.56 3.28 3.05 2.68
Goodwill		 - - - - - - - - - - 0.00
Other Assets		 16 16 16 14 13 12 11 11 19 19 20
Total Liabilities & Shareholders' Equity		 395 391 388 389 413 385 419 442 381 352 359
Total Liabilities		 361 356 355 355 379 349 382 406 365 332 341
Non-Interest Bearing Deposits		 89 94 100 104 101 107 133 156 143 117 101
Interest Bearing Deposits		 250 242 233 230 221 214 217 228 220 183 208
Short-Term Debt		 - - 10 20 55 25 30 10 0.00 30 30
Other Long-Term Liabilities		 1.88 1.17 1.38 1.17 1.54 2.82 2.86 3.10 2.44 2.42 1.95
Total Equity & Noncontrolling Interests		 34 34 34 34 34 36 37 36 16 19 18
Total Preferred & Common Equity		 34 34 34 34 34 36 37 36 16 19 18
Total Common Equity		 34 34 34 34 34 36 37 36 16 19 18
Common Stock		 13 13 13 13 13 13 13 14 14 14 14
Retained Earnings		 21 22 22 22 22 23 23 23 24 24 23
Accumulated Other Comprehensive Income / (Loss)		 0.10 -0.30 -0.81 -0.63 -1.23 -0.21 0.54 -0.87 -21 -18 -19
Other Equity Adjustments		 - - - - - - - - - - 0.00

Quarterly Balance Sheets for Glen Burnie Bancorp

This table presents Glen Burnie Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025
Total Assets		 355 370 356 368 358 351 352
Cash and Due from Banks		 2.38 9.09 1.80 2.26 1.79 1.68 2.36
Interest Bearing Deposits at Other Banks		 12 34 15 20 22 11 9.87
Trading Account Securities		 144 129 117 120 108 105 104
Loans and Leases, Net of Allowance		 173 176 199 204 205 211 213
Loans and Leases		 175 178 202 207 207 213 215
Allowance for Loan and Lease Losses		 2.09 2.04 2.63 2.75 2.69 2.59 2.57
Premises and Equipment, Net		 3.18 2.93 2.83 2.72 2.61 2.58 2.46
Goodwill		 - - - - - - 0.32
Other Assets		 21 19 20 19 19 19 20
Total Liabilities & Shareholders' Equity		 355 370 356 368 358 351 352
Total Liabilities		 342 352 338 347 339 332 331
Non-Interest Bearing Deposits		 127 115 110 116 104 107 107
Interest Bearing Deposits		 188 194 196 198 213 210 222
Short-Term Debt		 25 40 30 30 20 13 0.00
Other Long-Term Liabilities		 2.36 2.51 2.38 2.93 1.54 1.47 2.00
Total Equity & Noncontrolling Interests		 13 18 17 21 19 19 21
Total Preferred & Common Equity		 13 18 17 21 19 19 21
Total Common Equity		 13 18 17 21 19 19 21
Common Stock		 14 14 14 14 14 14 14
Retained Earnings		 24 24 23 23 23 23 23
Accumulated Other Comprehensive Income / (Loss)		 -25 -19 -20 -16 -18 -18 -16
Other Equity Adjustments		 - - - - - - -0.08

Annual Metrics And Ratios for Glen Burnie Bancorp

This table displays calculated financial ratios and metrics derived from Glen Burnie Bancorp's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
DEI Shares Outstanding		 2,760,964.00 2,773,361.00 2,783,111.00 2,801,149.00 2,814,157.00 2,827,473.00 2,842,039.00 2,853,880.00 2,865,046.00 2,877,084.00 2,900,681.00
DEI Adjusted Shares Outstanding		 2,760,964.00 2,773,361.00 2,783,111.00 2,801,149.00 2,814,157.00 2,827,473.00 2,842,039.00 2,853,880.00 2,865,046.00 2,877,084.00 2,900,681.00
DEI Earnings Per Adjusted Shares Outstanding		 0.69 0.49 0.40 0.33 0.56 0.57 0.59 0.88 0.61 0.50 -0.04
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 0.24% -2.96% -10.44% 1.70% 8.90% -1.60% -5.16% -0.73% 1.09% 0.17% -8.59%
EBITDA Growth		 -31.57% -9.83% -19.29% 24.45% 1.20% 7.23% -25.65% 84.31% -27.13% -45.62% -114.38%
EBIT Growth		 -31.55% -28.14% -36.28% 79.17% -6.09% 19.73% 5.27% 43.26% -35.82% -24.38% -142.44%
NOPAT Growth		 -26.76% -29.35% -18.60% -17.26% 73.77% 1.01% 4.32% 50.84% -30.64% -18.11% -131.20%
Net Income Growth		 -26.76% -29.35% -18.60% -17.26% 73.77% 1.01% 4.30% 50.89% -30.65% -18.11% -107.81%
EPS Growth		 -27.37% -28.99% -18.37% -17.50% 69.70% 1.79% 3.51% 49.15% -30.68% -18.03% -108.00%
Operating Cash Flow Growth		 -38.73% -15.13% 20.90% 42.05% 12.64% -27.66% -46.46% 128.21% -39.14% -37.12% -98.00%
Free Cash Flow Firm Growth		 -107.21% 402.65% 45.22% -53.31% -4,994.00% 189.66% -115.54% 396.44% 199.94% -176.90% 103.34%
Invested Capital Growth		 4.36% 0.64% -0.67% 0.42% 64.78% -31.86% 10.42% -16.85% -71.19% 207.24% -3.06%
Revenue Q/Q Growth		 -0.03% -2.66% -0.78% 6.96% 82.49% -33.99% -2.51% -1.73% 7.39% -4.80% -0.80%
EBITDA Q/Q Growth		 -18.42% 6.11% -27.46% 6.76% -6.61% -27.96% -30.84% 35.23% 11.45% -48.57% -46.54%
EBIT Q/Q Growth		 -27.13% 1.94% -47.08% 22.17% -15.16% -42.71% -9.40% 8.41% 17.94% -36.24% -58.46%
NOPAT Q/Q Growth		 -8.14% -2.45% -4.48% -37.60% 58.46% -39.77% -13.13% 11.87% 18.79% -31.69% -58.46%
Net Income Q/Q Growth		 -8.14% -2.45% -4.48% 72.54% 26.04% -26.14% 0.46% 0.29% 18.83% -31.70% -217.51%
EPS Q/Q Growth		 -8.00% -2.00% -2.44% -37.74% 51.35% 11.76% 0.00% -5.38% 29.79% -31.51% -233.33%
Operating Cash Flow Q/Q Growth		 -4.46% 3.68% -4.69% 17.43% -18.52% 34.65% -5.99% 1.30% 26.21% -32.42% -97.89%
Free Cash Flow Firm Q/Q Growth		 -113.05% -31.17% 1,154.38% -61.74% -88.75% 45.27% 82.48% -55.69% 87.41% -1,741.64% 108.00%
Invested Capital Q/Q Growth		 -0.32% 0.47% -2.09% -1.09% 21.42% 9.59% -20.11% 1.37% -53.25% 29.26% -6.53%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 20.71% 19.24% 17.34% 21.22% 19.72% 21.49% 16.85% 31.28% 22.55% 12.24% -1.93%
EBIT Margin		 15.17% 11.23% 7.99% 14.08% 12.14% 14.77% 16.40% 23.66% 15.02% 11.34% -5.27%
Profit (Net Income) Margin		 13.06% 9.51% 8.64% 7.03% 11.22% 11.52% 12.67% 19.25% 13.21% 10.80% -0.92%
Tax Burden Percent		 86.12% 84.67% 108.15% 49.95% 92.41% 77.96% 77.25% 81.36% 87.92% 95.21% 17.51%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 13.88% 15.33% -8.15% 50.05% 7.59% 22.04% 22.74% 18.66% 12.09% 4.80% 0.00%
Return on Invested Capital (ROIC)		 3.63% 2.50% 2.04% 1.69% 2.21% 2.14% 2.61% 4.10% 4.86% 4.37% -0.92%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.63% 2.50% 2.04% 1.69% 2.21% 2.14% 2.61% 4.10% 4.86% 4.37% 0.20%
Return on Net Nonoperating Assets (RNNOA)		 2.22% 1.47% 1.20% 1.00% 2.44% 2.45% 1.97% 2.81% 1.88% 3.71% 0.32%
Return on Equity (ROE)		 5.85% 3.98% 3.24% 2.69% 4.65% 4.59% 4.58% 6.91% 6.74% 8.08% -0.60%
Cash Return on Invested Capital (CROIC)		 -0.63% 1.87% 2.71% 1.27% -46.72% 40.03% -7.29% 22.50% 115.39% -97.41% 2.19%
Operating Return on Assets (OROA)		 0.58% 0.41% 0.26% 0.47% 0.43% 0.51% 0.54% 0.72% 0.48% 0.41% -0.18%
Return on Assets (ROA)		 0.50% 0.34% 0.28% 0.23% 0.39% 0.40% 0.41% 0.58% 0.42% 0.39% -0.03%
Return on Common Equity (ROCE)		 5.85% 3.98% 3.24% 2.69% 4.65% 4.59% 4.58% 6.91% 6.74% 8.08% -0.60%
Return on Equity Simple (ROE_SIMPLE)		 5.66% 3.96% 3.26% 2.68% 4.65% 4.48% 4.50% 7.05% 10.87% 7.40% -0.63%
Net Operating Profit after Tax (NOPAT)		 1.91 1.35 1.10 0.91 1.58 1.60 1.67 2.52 1.75 1.43 -0.45
NOPAT Margin		 13.06% 9.51% 8.64% 7.03% 11.22% 11.52% 12.67% 19.25% 13.21% 10.80% -3.69%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -1.11%
SG&A Expenses to Revenue		 57.07% 57.67% 59.23% 60.08% 57.56% 61.99% 62.87% 61.42% 59.96% 62.35% 67.58%
Operating Expenses to Revenue		 77.87% 76.85% 85.19% 83.33% 81.79% 86.05% 88.83% 83.80% 85.82% 87.93% 98.29%
Earnings before Interest and Taxes (EBIT)		 2.22 1.60 1.02 1.82 1.71 2.05 2.16 3.09 1.99 1.50 -0.64
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 3.04 2.74 2.21 2.75 2.78 2.98 2.22 4.09 2.98 1.62 -0.23
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.66 0.67 0.68 0.68 0.66 0.73 0.70 0.96 1.33 0.84 0.95
Price to Tangible Book Value (P/TBV)		 0.66 0.67 0.68 0.68 0.66 0.73 0.70 0.96 1.33 0.84 0.95
Price to Revenue (P/Rev)		 1.51 1.61 1.80 1.78 1.60 1.87 1.98 2.64 1.61 1.23 1.40
Price to Earnings (P/E)		 11.59 16.95 20.87 25.31 14.28 16.27 15.62 13.69 12.20 11.42 0.00
Dividend Yield		 4.98% 4.48% 6.06% 4.86% 4.98% 4.35% 4.36% 3.31% 5.38% 7.05% 6.87%
Earnings Yield		 8.63% 5.90% 4.79% 3.95% 7.00% 6.15% 6.40% 7.30% 8.20% 8.76% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.54 0.56 0.60 0.56 0.69 0.62 0.28 0.00 0.00 0.63 0.47
Enterprise Value to Revenue (EV/Rev)		 1.97 2.15 2.54 2.35 4.37 2.72 1.43 0.00 0.00 2.35 1.85
Enterprise Value to EBITDA (EV/EBITDA)		 9.52 11.16 14.65 11.08 22.16 12.64 8.51 0.00 0.00 19.18 0.00
Enterprise Value to EBIT (EV/EBIT)		 13.00 19.13 31.79 16.70 35.99 18.39 8.74 0.00 0.00 20.70 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 15.10 22.59 29.39 33.43 38.95 23.59 11.31 0.00 0.00 21.75 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.47 14.29 12.52 8.29 14.91 12.61 11.78 0.00 0.00 22.21 801.16
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 30.33 22.12 44.59 0.00 1.26 0.00 0.00 0.00 0.00 21.12
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.59 0.59 0.59 0.59 1.62 0.70 0.81 0.56 0.00 1.55 1.68
Long-Term Debt to Equity		 0.59 0.59 0.30 0.00 0.00 0.00 0.00 0.28 0.00 0.00 0.00
Financial Leverage		 0.61 0.59 0.59 0.59 1.10 1.15 0.75 0.69 0.39 0.85 1.62
Leverage Ratio		 11.80 11.55 11.46 11.46 11.79 11.44 11.05 11.83 15.91 20.73 19.14
Compound Leverage Factor		 11.80 11.55 11.46 11.46 11.79 11.44 11.05 11.83 15.91 20.73 19.14
Debt to Total Capital		 37.15% 36.92% 37.17% 37.01% 61.76% 41.20% 44.64% 35.90% 0.00% 60.82% 62.74%
Short-Term Debt to Total Capital		 0.00% 0.00% 18.58% 37.01% 61.76% 41.20% 44.64% 17.95% 0.00% 60.82% 62.74%
Long-Term Debt to Total Capital		 37.15% 36.92% 18.58% 0.00% 0.00% 0.00% 0.00% 17.95% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 62.85% 63.08% 62.84% 62.99% 38.24% 58.80% 55.36% 64.10% 100.00% 39.18% 37.26%
Debt to EBITDA		 6.59 7.31 9.05 7.28 19.77 8.38 13.49 4.89 0.00 18.52 -128.76
Net Debt to EBITDA		 2.21 2.79 4.25 2.69 14.04 3.93 -3.24 -10.32 0.00 9.11 -23.76
Long-Term Debt to EBITDA		 6.59 7.31 4.53 0.00 0.00 0.00 0.00 2.45 0.00 0.00 0.00
Debt to NOPAT		 10.45 14.79 18.17 21.95 34.74 15.63 17.93 7.95 0.00 20.99 -67.28
Net Debt to NOPAT		 3.51 5.64 8.52 8.12 24.67 7.32 -4.31 -16.77 0.00 10.33 -12.42
Long-Term Debt to NOPAT		 10.45 14.79 9.08 0.00 0.00 0.00 0.00 3.97 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -0.33 1.01 1.46 0.68 -33 30 -4.66 14 41 -32 1.06
Operating Cash Flow to CapEx		 569.28% 2,365.45% 788.11% 1,791.22% 1,978.95% 890.48% 279.58% 1,273.87% 869.14% 920.39% 34.57%
Free Cash Flow to Firm to Interest Expense		 -0.13 0.42 0.69 0.35 -15.90 15.55 -3.07 12.85 48.54 -26.49 0.25
Operating Cash Flow to Interest Expense		 0.99 0.89 1.22 1.90 1.97 1.55 1.06 3.40 2.61 1.16 0.01
Operating Cash Flow Less CapEx to Interest Expense		 0.82 0.86 1.06 1.79 1.87 1.38 0.68 3.14 2.31 1.04 -0.01
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.03 0.04 0.03 0.03 0.03 0.03 0.04 0.03
Fixed Asset Turnover		 3.98 4.04 3.64 3.70 4.36 4.04 3.46 3.52 3.86 4.19 4.23
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 54 54 54 54 89 61 67 56 16 49 48
Invested Capital Turnover		 0.28 0.26 0.24 0.24 0.20 0.19 0.21 0.21 0.37 0.40 0.25
Increase / (Decrease) in Invested Capital		 2.25 0.35 -0.36 0.23 35 -28 6.33 -11 -40 33 -1.51
Enterprise Value (EV)		 29 31 32 30 62 38 19 -7.73 -8.81 31 22
Market Capitalization		 22 23 23 23 23 26 26 34 21 16 17
Book Value per Share		 $12.25 $12.32 $12.15 $12.15 $12.10 $12.62 $13.05 $12.51 $5.60 $6.72 $6.14
Tangible Book Value per Share		 $12.25 $12.32 $12.15 $12.15 $12.10 $12.62 $13.05 $12.51 $5.60 $6.72 $6.14
Total Capital		 54 54 54 54 89 61 67 56 16 49 48
Total Debt		 20 20 20 20 55 25 30 20 0.00 30 30
Total Long-Term Debt		 20 20 10 0.00 0.00 0.00 0.00 10 0.00 0.00 0.00
Net Debt		 6.72 7.63 9.38 7.40 39 12 -7.18 -42 -30 15 5.54
Capital Expenditures (CapEx)		 0.44 0.09 0.33 0.21 0.21 0.34 0.57 0.29 0.26 0.15 0.08
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.00 -0.00 -0.00 -0.33
Net Nonoperating Obligations (NNO)		 20 20 20 20 55 25 30 20 0.00 30 30
Total Depreciation and Amortization (D&A)		 0.81 1.14 1.19 0.93 1.07 0.93 0.06 1.00 0.99 0.12 0.40
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.69 $0.49 $0.40 $0.33 $0.56 $0.57 $0.59 $0.88 $0.61 $0.50 ($0.04)
Adjusted Weighted Average Basic Shares Outstanding		 2.76M 2.78M 2.79M 2.80M 2.82M 2.83M 2.85M 2.86M 2.87M 2.89M 2.90M
Adjusted Diluted Earnings per Share		 $0.69 $0.49 $0.40 $0.33 $0.56 $0.57 $0.59 $0.88 $0.61 $0.50 ($0.04)
Adjusted Weighted Average Diluted Shares Outstanding		 2.76M 2.78M 2.79M 2.80M 2.82M 2.83M 2.85M 2.86M 2.87M 2.89M 2.90M
Adjusted Basic & Diluted Earnings per Share		 $0.69 $0.49 $0.40 $0.33 $0.56 $0.57 $0.59 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 2.76M 2.78M 2.79M 2.80M 2.82M 2.83M 2.85M 2.86M 2.87M 2.89M 2.90M
Normalized Net Operating Profit after Tax (NOPAT)		 1.91 1.35 0.71 1.28 1.58 1.60 1.67 2.52 1.75 1.43 -0.45
Normalized NOPAT Margin		 13.06% 9.51% 5.59% 9.86% 11.22% 11.52% 12.67% 19.25% 13.21% 10.80% -3.69%
Pre Tax Income Margin		 15.17% 11.23% 7.99% 14.08% 12.14% 14.77% 16.40% 23.66% 15.02% 11.34% -5.27%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.88 0.67 0.48 0.94 0.81 1.06 1.43 2.88 2.33 1.25 -0.15
NOPAT to Interest Expense		 0.76 0.57 0.52 0.47 0.75 0.83 1.10 2.34 2.05 1.19 -0.10
EBIT Less CapEx to Interest Expense		 0.70 0.63 0.33 0.84 0.72 0.89 1.05 2.61 2.03 1.12 -0.17
NOPAT Less CapEx to Interest Expense		 0.58 0.53 0.36 0.36 0.65 0.66 0.72 2.08 1.75 1.06 -0.12
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 49.44% 64.98% 86.74% 106.04% 61.59% 61.98% 60.20% 40.02% 58.96% 72.00% -693.78%
Augmented Payout Ratio		 49.44% 64.98% 86.74% 106.04% 61.59% 61.98% 60.20% 40.02% 58.96% 72.00% -693.78%

Quarterly Metrics And Ratios for Glen Burnie Bancorp

This table displays calculated financial ratios and metrics derived from Glen Burnie Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025
DEI Shares Outstanding		 2,877,084.00 2,877,084.00 2,887,467.00 2,893,648.00 2,900,681.00 2,900,681.00 5,801,362.00 2,900,681.00 2,900,681.00
DEI Adjusted Shares Outstanding		 2,877,084.00 2,877,084.00 2,887,467.00 2,893,648.00 2,900,681.00 2,900,681.00 5,801,362.00 2,900,681.00 2,900,681.00
DEI Earnings Per Adjusted Shares Outstanding		 0.19 0.06 0.00 -0.07 0.04 -0.01 0.03 -0.07 0.04
Growth Metrics		 - - - - - - - - -
Revenue Growth		 -2.59% -17.31% -18.17% -9.72% -2.82% -3.04% -1.18% -2.35% 7.15%
EBITDA Growth		 -36.15% -90.24% -112.41% -168.97% -37.07% -137.42% -14.63% 126.21% 6.85%
EBIT Growth		 36.20% -85.81% -143.95% -230.56% -85.32% -166.67% 154.15% 4.58% 10.13%
NOPAT Growth		 46.93% -79.88% -136.85% -199.67% -76.59% -139.40% 195.45% 4.58% -3.10%
Net Income Growth		 46.93% -79.88% -99.27% -173.91% -76.55% -123.60% 4,743.92% -3.92% -3.03%
EPS Growth		 46.15% -79.31% -100.00% -170.00% -78.95% -116.67% 0.00% 0.00% 0.00%
Operating Cash Flow Growth		 -105.12% -54.03% -48.26% -77.46% 2,260.87% -227.50% -445.38% -60.71% -273.44%
Free Cash Flow Firm Growth		 -115.57% -181.75% -270.70% 51.58% -293.58% 104.36% 147.69% 198.63% 337.42%
Invested Capital Growth		 11.13% 207.24% 218.78% 47.16% 34.06% -3.06% -32.60% -32.73% -59.48%
Revenue Q/Q Growth		 -2.56% -2.30% -12.25% 8.07% 4.89% -2.52% -10.57% 6.79% 15.09%
EBITDA Q/Q Growth		 -22.32% -53.16% -150.31% -276.83% 170.87% -127.85% -54.10% 186.17% 188.89%
EBIT Q/Q Growth		 78.74% -73.79% -262.41% -71.62% 120.10% -218.99% 231.91% -402.42% 123.20%
NOPAT Q/Q Growth		 99.64% -69.69% -195.99% -71.62% 146.89% -151.01% 332.52% -271.57% 147.62%
Net Income Q/Q Growth		 99.64% -69.68% -98.11% -6,559.78% 163.33% -130.52% 487.94% -238.59% 159.09%
EPS Q/Q Growth		 90.00% -68.42% -100.00% 0.00% 157.14% -125.00% 600.00% -240.00% 157.14%
Operating Cash Flow Q/Q Growth		 -103.70% 2,582.61% -79.16% 17.65% 255.00% -246.48% 43.54% 113.38% -1,667.27%
Free Cash Flow Firm Q/Q Growth		 89.78% -912.35% -21.00% 61.33% 16.90% 111.21% 1,224.43% -20.03% 100.03%
Invested Capital Q/Q Growth		 18.30% 29.26% 17.85% -18.34% 7.77% -6.53% -18.06% -18.50% -35.09%
Profitability Metrics		 - - - - - - - - -
EBITDA Margin		 10.65% 5.11% -2.93% -10.21% 6.90% -1.97% -3.40% 2.74% 6.88%
EBIT Margin		 16.47% 4.42% -8.18% -12.98% 2.49% -3.04% 4.48% -12.69% 2.56%
Profit (Net Income) Margin		 16.87% 5.23% 0.11% -6.74% 4.07% -1.27% 5.53% -7.17% 3.68%
Tax Burden Percent		 102.42% 118.49% -1.38% 51.91% 163.53% 41.95% 123.36% 56.53% 144.00%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 -2.42% -18.44% 0.00% 0.00% -63.29% 0.00% -23.39% 0.00% -43.68%
Return on Invested Capital (ROIC)		 6.47% 2.12% -1.89% -2.80% 1.11% -0.53% 1.37% -2.68% 1.25%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.47% 2.12% -1.07% -2.49% 1.11% -0.44% 1.37% -2.45% 1.25%
Return on Net Nonoperating Assets (RNNOA)		 10.58% 1.80% -1.18% -3.22% 1.78% -0.71% 2.20% -2.89% 0.90%
Return on Equity (ROE)		 17.05% 3.91% -3.07% -6.02% 2.89% -1.24% 3.57% -5.57% 2.15%
Cash Return on Invested Capital (CROIC)		 -4.77% -97.41% -101.87% -36.86% -29.74% 2.19% 38.54% 38.67% 84.16%
Operating Return on Assets (OROA)		 0.59% 0.16% -0.28% -0.44% 0.08% -0.10% 0.15% -0.43% 0.09%
Return on Assets (ROA)		 0.61% 0.19% 0.00% -0.23% 0.14% -0.04% 0.18% -0.24% 0.13%
Return on Common Equity (ROCE)		 17.05% 3.91% -3.07% -6.02% 2.89% -1.24% 3.57% -5.57% 2.15%
Return on Equity Simple (ROE_SIMPLE)		 15.90% 0.00% 5.50% 2.96% 0.45% 0.00% 0.20% 0.16% 0.13%
Net Operating Profit after Tax (NOPAT)		 0.55 0.17 -0.16 -0.28 0.13 -0.07 0.15 -0.26 0.13
NOPAT Margin		 16.87% 5.23% -5.72% -9.09% 4.06% -2.13% 5.53% -8.88% 3.67%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% -0.82% -0.32% 0.00% -0.09% 0.00% -0.23% 0.00%
SG&A Expenses to Revenue		 63.79% 63.38% 71.83% 65.84% 64.91% 68.14% 79.88% 79.06% 64.05%
Operating Expenses to Revenue		 86.35% 92.36% 102.14% 93.16% 94.20% 100.74% 100.79% 110.01% 96.15%
Earnings before Interest and Taxes (EBIT)		 0.54 0.14 -0.23 -0.39 0.08 -0.09 0.12 -0.38 0.09
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 0.35 0.16 -0.08 -0.31 0.22 -0.06 -0.09 0.08 0.23
Valuation Ratios		 - - - - - - - - -
Price to Book Value (P/BV)		 1.29 0.84 0.84 0.64 0.77 0.95 0.77 0.77 0.65
Price to Tangible Book Value (P/TBV)		 1.29 0.84 0.84 0.64 0.77 0.95 0.77 0.77 0.66
Price to Revenue (P/Rev)		 1.22 1.23 1.20 0.91 1.33 1.40 1.22 1.21 1.10
Price to Earnings (P/E)		 8.14 11.42 15.22 21.71 170.51 0.00 382.90 477.91 509.05
Dividend Yield		 6.76% 7.05% 7.61% 10.31% 7.14% 6.87% 7.89% 7.98% 0.00%
Earnings Yield		 12.29% 8.76% 6.57% 4.61% 0.59% 0.00% 0.26% 0.21% 0.20%
Enterprise Value to Invested Capital (EV/IC)		 0.72 0.63 0.22 0.51 0.46 0.47 0.28 0.47 0.06
Enterprise Value to Revenue (EV/Rev)		 1.98 2.35 1.00 1.99 1.95 1.85 0.91 1.24 0.10
Enterprise Value to EBITDA (EV/EBITDA)		 8.73 19.18 14.31 203.65 0.00 0.00 0.00 102.51 7.88
Enterprise Value to EBIT (EV/EBIT)		 11.68 20.70 16.71 428.74 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 13.15 21.75 12.59 47.27 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 13.29 22.21 9.74 30.28 17.92 801.16 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 21.12 0.59 0.97 0.04
Leverage & Solvency		 - - - - - - - - -
Debt to Equity		 1.90 1.55 2.21 1.72 1.42 1.68 1.04 0.69 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 1.64 0.85 1.10 1.30 1.60 1.62 1.61 1.18 0.72
Leverage Ratio		 28.04 20.73 20.17 20.71 21.09 19.14 19.51 19.41 17.19
Compound Leverage Factor		 28.04 20.73 20.17 20.71 21.09 19.14 19.51 19.41 17.19
Debt to Total Capital		 65.51% 60.82% 68.81% 63.20% 58.64% 62.74% 51.05% 40.71% 0.00%
Short-Term Debt to Total Capital		 65.51% 60.82% 68.81% 63.20% 58.64% 62.74% 51.05% 40.71% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 34.49% 39.18% 31.19% 36.80% 41.36% 37.26% 48.95% 59.29% 100.00%
Debt to EBITDA		 7.94 18.52 45.61 250.00 -3,333.33 -128.76 -81.63 89.66 0.00
Net Debt to EBITDA		 3.33 9.11 -3.00 110.12 -837.56 -23.76 15.00 2.29 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 11.95 20.99 40.12 58.03 -106.61 -67.28 -100.60 -69.82 0.00
Net Debt to NOPAT		 5.01 10.33 -2.64 25.56 -26.79 -12.42 18.49 -1.78 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -3.27 -33 -40 -15 -13 1.44 19 15 31
Operating Cash Flow to CapEx		 0.00% 2,379.17% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -8.22 -60.85 -48.08 -13.99 -11.31 1.21 17.92 13.39 27.63
Operating Cash Flow to Interest Expense		 -0.06 1.05 0.14 0.13 0.44 -0.61 -0.39 0.05 -0.78
Operating Cash Flow Less CapEx to Interest Expense		 0.31 1.01 0.14 0.13 0.44 -0.57 -0.39 0.05 -0.78
Efficiency Ratios		 - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 4.25 4.19 4.14 4.02 4.13 4.23 4.36 4.44 4.71
Capital & Investment Metrics		 - - - - - - - - -
Invested Capital		 38 49 58 47 51 48 39 32 21
Invested Capital Turnover		 0.38 0.40 0.33 0.31 0.27 0.25 0.25 0.30 0.34
Increase / (Decrease) in Invested Capital		 3.82 33 40 15 13 -1.51 -19 -16 -30
Enterprise Value (EV)		 28 31 13 24 24 22 11 15 1.26
Market Capitalization		 17 16 15 11 16 17 15 15 13
Book Value per Share		 $4.57 $6.72 $6.28 $6.04 $7.29 $6.14 $6.61 $6.53 $7.15
Tangible Book Value per Share		 $4.57 $6.72 $6.28 $6.04 $7.29 $6.14 $6.61 $6.53 $7.04
Total Capital		 38 49 58 47 51 48 39 32 21
Total Debt		 25 30 40 30 30 30 20 13 0.00
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 10 15 -2.63 13 7.54 5.54 -3.68 0.33 -12
Capital Expenditures (CapEx)		 -0.15 0.02 0.00 0.00 0.00 -0.05 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 -0.00 -0.16 -0.07 -0.00 -0.03 0.00 -0.05 -0.00
Net Nonoperating Obligations (NNO)		 25 30 40 30 30 30 20 13 0.00
Total Depreciation and Amortization (D&A)		 -0.19 0.02 0.15 0.08 0.14 0.03 -0.22 0.46 0.15
Earnings Adjustments		 - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.19 $0.06 $0.00 ($0.07) $0.04 ($0.01) $0.05 ($0.07) $0.04
Adjusted Weighted Average Basic Shares Outstanding		 2.88M 2.89M 2.89M 2.90M 2.90M 2.90M 2.90M 2.90M 2.92M
Adjusted Diluted Earnings per Share		 $0.19 $0.06 $0.00 ($0.07) $0.04 ($0.01) $0.05 ($0.07) $0.04
Adjusted Weighted Average Diluted Shares Outstanding		 2.88M 2.89M 2.89M 2.90M 2.90M 2.90M 2.90M 2.90M 2.92M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 2.88M 2.89M 2.89M 2.90M 2.90M 2.90M 2.90M 2.90M 2.92M
Normalized Net Operating Profit after Tax (NOPAT)		 0.38 0.10 -0.16 -0.28 0.06 -0.07 0.09 -0.26 0.06
Normalized NOPAT Margin		 11.53% 3.09% -5.72% -9.09% 1.74% -2.13% 3.14% -8.88% 1.79%
Pre Tax Income Margin		 16.47% 4.42% -8.18% -12.98% 2.49% -3.04% 4.48% -12.69% 2.56%
Debt Service Ratios		 - - - - - - - - -
EBIT to Interest Expense		 1.35 0.26 -0.27 -0.36 0.07 -0.08 0.12 -0.33 0.08
NOPAT to Interest Expense		 1.38 0.31 -0.19 -0.25 0.11 -0.06 0.14 -0.23 0.11
EBIT Less CapEx to Interest Expense		 1.72 0.22 -0.27 -0.36 0.07 -0.04 0.12 -0.33 0.08
NOPAT Less CapEx to Interest Expense		 1.75 0.26 -0.19 -0.25 0.11 -0.01 0.14 -0.23 0.11
Payout Ratios		 - - - - - - - - -
Dividend Payout Ratio		 49.13% 72.00% 103.29% 199.52% 1,082.56% -693.78% 1,349.02% 852.89% -3.80%
Augmented Payout Ratio		 49.13% 72.00% 103.29% 199.52% 1,082.56% -693.78% 1,349.02% 852.89% -3.80%

Financials Breakdown Chart

Key Financial Trends

Glen Burnie Bancorp (NASDAQ: GLBZ) showed a meaningful rebound in Q3 2025 after a weak Q2, but the broader multi-year picture still looks uneven. The bank returned to profitability in the latest quarter, yet operating cash flow remained negative and deposit trends have been volatile. Balance sheet quality appears stable overall, but earnings power has been inconsistent and expense control remains a key watch item.

  • Q3 2025 net income improved sharply versus Q2 2025: GLBZ reported $125,000 in net income in Q3 2025, versus a $212,000 loss in Q2 2025.
  • Revenue growth improved quarter over quarter: Total revenue rose to $3.40 million in Q3 2025 from $2.96 million in Q2 2025, helped by stronger non-interest income and slightly better net interest income.
  • Net interest income held up well: Net interest income increased to $2.83 million in Q3 2025 from $2.74 million in Q2 2025.
  • Loan balances continued to grow: Net loans and leases rose to $212.8 million at Q3 2025 from $210.8 million at Q2 2025, and were also above $204.2 million in Q3 2024.
  • Deposit base expanded in Q3: Net change in deposits was +$11.75 million in Q3 2025, a much better outcome than the modest gain in Q2 2025 and a reversal from many earlier periods.
  • Credit quality expense stayed manageable in the latest quarter: Provision for credit losses was just $44,000 in Q3 2025, down from $79,000 in Q2 2025 and $105,000 in Q3 2024.
  • Non-interest income improved, but remains inconsistent: Q3 2025 non-interest income of $571,000 was better than Q2 2025’s $220,000, but the category has swung widely over the past year.
  • Capital remains modest relative to assets: Total equity was $20.7 million against total assets of $351.8 million, which leaves the bank with a relatively thin equity cushion.
  • Operating cash flow was negative in Q3 2025: Net cash from operating activities came in at negative $862,000, following positive $55,000 in Q2 2025 and negative $411,000 in Q1 2025.
  • Expense control remains a challenge: Non-interest expense was still elevated at $3.27 million in Q3 2025, leaving only a small pre-tax profit of $87,000.

Looking back over the last four quarters, GLBZ has been profitable in some periods but not consistently. Q1 2025 and Q3 2024 were profitable, while Q2 2025 and parts of late 2024 were weaker. The bank’s earnings remain highly sensitive to interest expense, deposit costs, and swings in other operating expenses.

From a balance sheet perspective, the company appears to have maintained a fairly steady asset base around the mid-$300 million range, while loans have gradually increased. However, liabilities are still high relative to equity, and short-term debt has moved around materially in recent quarters, which is something investors should continue watching.

Bottom line: GLBZ’s latest quarter shows improvement and a return to profitability, but the business still looks like a low-margin community bank with uneven cash generation. For retail investors, the key questions are whether earnings can stay positive, whether operating cash flow can turn consistently positive, and whether management can keep funding costs and non-interest expenses under control.

08/07/26 03:57 PM ETAI Generated. May Contain Errors.

Glen Burnie Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Glen Burnie Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

Glen Burnie Bancorp's net income appears to be on a downward trend, with a most recent value of -$111.56 thousand in 2024, falling from $1.91 million in 2014. The previous period was $1.43 million in 2023. See Glen Burnie Bancorp's forecast for analyst expectations on what's next for the company.

Over the last 10 years, Glen Burnie Bancorp's total revenue changed from $14.66 million in 2014 to $12.10 million in 2024, a change of -17.5%.

Glen Burnie Bancorp's total liabilities were at $341.14 million at the end of 2024, a 2.6% increase from 2023, and a 5.4% decrease since 2014.

In the past 10 years, Glen Burnie Bancorp's cash and equivalents has ranged from $1.94 million in 2023 to $7.49 million in 2015, and is currently $2.01 million as of their latest financial filing in 2024.

Over the last 10 years, Glen Burnie Bancorp's book value per share changed from 12.25 in 2014 to 6.14 in 2024, a change of -49.9%.


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Financial statements for NASDAQ:GLBZ last updated on 7/16/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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