HBT Financial (NASDAQ:HBT) and Glen Burnie Bancorp (NASDAQ:GLBZ) Head to Head Analysis

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

Institutional & Insider Ownership

9.8% of Glen Burnie Bancorp shares are owned by institutional investors. Comparatively, 78.6% of HBT Financial shares are owned by institutional investors. 14.1% of Glen Burnie Bancorp shares are owned by company insiders. Comparatively, 59.8% of HBT Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Valuation & Earnings

This table compares Glen Burnie Bancorp and HBT 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	$11.77 million	1.31	-$110,000.00	($0.04)	-133.33
HBT Financial	$222.37 million	3.31	$71.78 million	$2.26	10.28

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Glen Burnie Bancorp	-0.68%	-0.59%	-0.03%
HBT Financial	24.99%	14.57%	1.50%

Dividends

Glen Burnie Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 3.8%. HBT Financial pays an annual dividend of $0.84 per share and has a dividend yield of 3.6%. Glen Burnie Bancorp pays out -500.0% of its earnings in the form of a dividend. HBT Financial pays out 37.2% 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. Glen Burnie Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Risk and Volatility

Glen Burnie Bancorp has a beta of 0.41, meaning that its stock price is 59% less volatile than the S&P 500. Comparatively, HBT Financial has a beta of 0.62, meaning that its stock price is 38% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent recommendations for Glen Burnie Bancorp and HBT Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Glen Burnie Bancorp	0	0	0	0	0.00
HBT Financial	1	3	2	0	2.17

HBT Financial has a consensus price target of $24.75, indicating a potential upside of 6.50%. Given HBT Financial’s stronger consensus rating and higher possible upside, analysts plainly believe HBT Financial is more favorable than Glen Burnie Bancorp.

Summary

HBT Financial beats Glen Burnie Bancorp on 14 of the 16 factors compared between the two stocks.

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.

About HBT Financial

HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides business, commercial, and retail banking products and services to individuals, businesses, and municipal entities in Central and Northeastern Illinois, and Eastern Iowa. The company's deposits accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposits, health savings accounts, and individual retirement accounts. Its loan offering comprises owner and non-owner occupied commercial real estate; construction and land development and multi-family; commercial and industrial; agricultural and farmland; and one-to-four family residential loans, as well as municipal, consumer, and other loans. The company also offers wealth management services, including financial planning to consumers, trusts, and estates; trustee and custodial; investment management; corporate retirement plan consulting and administration; and retail brokerage services. In addition, it provides farmland management, and farmland sales and services; commercial checking accounts; and treasury management services, as well as originates and sells residential mortgage loans. Further, the company offers digital banking services, such as online and mobile banking, and digital payment services, as well as personal financial management tools. The company was formerly known as Heartland Bancorp, Inc. and changed its name to HBT Financial, Inc. in September 2019. HBT Financial, Inc. was founded in 1920 and is headquartered in Bloomington, Illinois.