Contrasting Commercial National Financial (OTCMKTS:CNAF) and Glen Burnie Bancorp (NASDAQ:GLBZ)

Commercial National Financial (OTCMKTS:CNAF) and Glen Burnie Bancorp (NASDAQ:GLBZ) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their valuation, institutional ownership, analyst recommendations, dividends, profitability, risk and earnings.

Profitability

This table compares Commercial National Financial and Glen Burnie Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Commercial National Financial	11.43%	N/A	N/A
Glen Burnie Bancorp	0.16%	0.14%	0.01%

Volatility and Risk

Commercial National Financial has a beta of 0.4, indicating that its share price is 60% less volatile than the S&P 500. Comparatively, Glen Burnie Bancorp has a beta of 0.21, indicating that its share price is 79% less volatile than the S&P 500.

Earnings and Valuation

This table compares Commercial National Financial and Glen Burnie Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Commercial National Financial	$17.37 million	1.26	$1.84 million	$0.69	11.14
Glen Burnie Bancorp	$16.37 million	0.75	-$110,000.00	$0.01	421.50

Commercial National Financial has higher revenue and earnings than Glen Burnie Bancorp. Commercial National Financial is trading at a lower price-to-earnings ratio than Glen Burnie Bancorp, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

3.6% of Commercial National Financial shares are held by institutional investors. Comparatively, 9.8% of Glen Burnie Bancorp shares are held by institutional investors. 22.4% of Commercial National Financial shares are held by insiders. Comparatively, 14.6% of Glen Burnie Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of current recommendations for Commercial National Financial and Glen Burnie Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Commercial National Financial	0	0	0	0	0.00
Glen Burnie Bancorp	1	0	0	0	1.00

Summary

Commercial National Financial beats Glen Burnie Bancorp on 7 of the 12 factors compared between the two stocks.

About Commercial National Financial

Commercial National Financial Corporation operates as a bank holding company for Commercial Bank & Trust of PA that provides various banking products and services in Pennsylvania. The company offers checking, money market investment, and savings accounts; and business-time deposits, as well as certificates of deposit. It also provides loan products, such as home-equity, personal lines of credit, personal, and automobile loans, as well as residential and construction mortgages; and commercial loans, term loans, and lines of credit. In addition, the company offers other services, including automatic teller machine access/debit card, online banking, mobile banking, and online bill payment services; and direct deposit/payroll processing and night depository services. Further, it provides asset management and trust services comprising trust and estate, investment management, and cash management services, as well as retirement products. The company operates a network of nine community offices with facilities in Greensburg, Hempfield Township, Latrobe, Ligonier, North Huntingdon, Unity Township, and West Newton. Commercial National Financial Corporation was founded in 1990 and is headquartered in Latrobe, Pennsylvania.

About Glen Burnie Bancorp

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.