Analyzing Glen Burnie Bancorp (NASDAQ:GLBZ) & Chemung Financial (NASDAQ:CHMG)

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

Institutional and Insider Ownership

2.7% of Glen Burnie Bancorp shares are held by institutional investors. Comparatively, 36.2% of Chemung Financial shares are held by institutional investors. 15.2% of Glen Burnie Bancorp shares are held by insiders. Comparatively, 13.3% of Chemung Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Risk and Volatility

Glen Burnie Bancorp has a beta of 0.93, meaning that its share price is 7% less volatile than the S&P 500. Comparatively, Chemung Financial has a beta of 0.07, meaning that its share price is 93% less volatile than the S&P 500.

Valuation and Earnings

This table compares Glen Burnie Bancorp and Chemung Financial’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Glen Burnie Bancorp $14.14 million 2.64 $2.52 million $0.75 17.39
Chemung Financial $92.88 million 2.38 $26.42 million $5.71 8.32

Chemung Financial has higher revenue and earnings than Glen Burnie Bancorp. Chemung 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.

Profitability

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

Net Margins Return on Equity Return on Assets
Glen Burnie Bancorp 15.48% 6.09% 0.49%
Chemung Financial 28.58% 12.92% 1.11%

Dividends

Glen Burnie Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 3.1%. Chemung Financial pays an annual dividend of $1.24 per share and has a dividend yield of 2.6%. Glen Burnie Bancorp pays out 53.3% of its earnings in the form of a dividend. Chemung Financial pays out 21.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Chemung Financial has raised its dividend for 1 consecutive years.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Glen Burnie Bancorp and Chemung Financial, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Glen Burnie Bancorp 0 0 0 0 N/A
Chemung Financial 0 0 0 0 N/A

Summary

Chemung Financial beats Glen Burnie Bancorp on 9 of the 14 factors compared between the two stocks.

Glen Burnie Bancorp Company Profile (Get Rating)

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 accepts various deposits, including savings accounts, money market deposit accounts, demand deposit accounts, NOW checking accounts, and IRA and SEP accounts, as well as 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 installment 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 ancillary products and services comprising safe deposit boxes, money orders, night depositories, automated clearinghouse transactions, and automated teller machine (ATM) services, as well as electronic banking services that include telephone banking, online banking, bill pay, card 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 business of acquiring, holding, and disposing of real property. 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 has a remote ATM located in Pasadena, Maryland. Glen Burnie Bancorp was founded in 1949 and is based in Glen Burnie, Maryland.

Chemung Financial Company Profile (Get Rating)

Chemung Financial Corporation operates as the holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market accounts. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial mortgage loans; residential mortgage loans; consumer loans, including home equity lines of credit and home equity term loans; and interest rate swaps, letters of credit, wealth management, employee benefit plans, mutual fund, insurance products, and brokerage services. Further, it provides securities, insurance, and tax preparation services. Additionally, it offers guardian, custodian, and trustee services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts; and various investment, pension, estate planning, and employee benefit administrative services. The company operates 31 branch offices located in 13 counties in New York and Bradford County in Pennsylvania. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.

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