Critical Review: Glen Burnie Bancorp (NASDAQ:GLBZ) versus FB Bancorp (NASDAQ:FBLA)

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

Volatility & Risk

FB Bancorp has a beta of -0.08, meaning that its stock price is 108% less volatile than the S&P 500. Comparatively, Glen Burnie Bancorp has a beta of 0.16, meaning that its stock price is 84% less volatile than the S&P 500.

Earnings and Valuation

This table compares FB Bancorp and Glen Burnie Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FB Bancorp	$69.94 million	3.71	$1.25 million	($0.01)	-1,626.00
Glen Burnie Bancorp	$11.83 million	1.11	-$110,000.00	($0.05)	-89.40

FB Bancorp has higher revenue and earnings than Glen Burnie Bancorp. FB Bancorp 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.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
FB Bancorp	-0.36%	0.91%	0.22%
Glen Burnie Bancorp	0.16%	0.14%	0.01%

Insider & Institutional Ownership

9.8% of Glen Burnie Bancorp shares are owned by institutional investors. 3.8% of FB Bancorp shares are owned by company insiders. Comparatively, 14.5% of Glen Burnie Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of current ratings and target prices for FB Bancorp and Glen Burnie Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FB Bancorp	1	0	0	0	1.00
Glen Burnie Bancorp	1	0	0	0	1.00

Summary

FB Bancorp beats Glen Burnie Bancorp on 6 of the 11 factors compared between the two stocks.

About FB Bancorp

FB Bancorp Inc. operates as a bank holding company for Fidelity Bank. The Company, through its subsidiaries, provides deposit accounts, mortgages, home equity and consumer loans, credit and debit cards, online and mobile banking, investments and other financial services. FB Bancorp Inc. is based in New Orleans.

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.