Analyzing Bank OZK (NASDAQ:OZK) and Glen Burnie Bancorp (NASDAQ:GLBZ)

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

Volatility & Risk

Glen Burnie Bancorp has a beta of 0.26, indicating that its stock price is 74% less volatile than the S&P 500. Comparatively, Bank OZK has a beta of 0.86, indicating that its stock price is 14% less volatile than the S&P 500.

Insider & Institutional Ownership

9.8% of Glen Burnie Bancorp shares are held by institutional investors. Comparatively, 86.2% of Bank OZK shares are held by institutional investors. 14.6% of Glen Burnie Bancorp shares are held by company insiders. Comparatively, 6.7% of Bank OZK shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Glen Burnie Bancorp	0.19%	0.16%	0.01%
Bank OZK	25.83%	13.24%	1.84%

Analyst Recommendations

This is a summary of current recommendations and price targets for Glen Burnie Bancorp and Bank OZK, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Glen Burnie Bancorp	0	0	0	0	0.00
Bank OZK	0	6	2	0	2.25

Bank OZK has a consensus price target of $52.8750, indicating a potential upside of 11.55%. Given Bank OZK’s stronger consensus rating and higher possible upside, analysts plainly believe Bank OZK is more favorable than Glen Burnie Bancorp.

Valuation and Earnings

This table compares Glen Burnie Bancorp and Bank OZK”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Glen Burnie Bancorp	$16.37 million	0.71	-$110,000.00	$0.01	400.00
Bank OZK	$2.77 billion	1.94	$716.46 million	$6.16	7.69

Bank OZK has higher revenue and earnings than Glen Burnie Bancorp. Bank OZK 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.

Summary

Bank OZK beats Glen Burnie Bancorp on 12 of the 14 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 Bank OZK

Bank OZK provides various retail and commercial banking services for individuals and businesses in the United States. The company offers deposit services, including non-interest bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time and reciprocal deposits. It also provides trust and wealth services, such as personal trusts, custodial accounts, investment management accounts, and retirement accounts, as well as corporate trust services, including trustee, paying agent and registered transfer agent services, and other related services. In addition, the company offers treasury management services comprising automated clearing house, wire transfer, transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, commercial card, and other services, as well as zero balance and investment sweep accounts. Further, it provides real estate, consumer, small business, indirect recreational vehicle and marine, equipment, agricultural, commercial and industrial, government guaranteed, lines of credit, homebuilder, and affordable housing loans; lender and structured, business aviation, and subscription financing services; and mortgage and other lending products. Additionally, the company offers ATMs; telephone, online, and mobile banking services; credit and debit cards; safe deposit boxes; and other products and services. The company was formerly known as Bank of the Ozarks and changed its name to Bank OZK in July 2018. Bank OZK was founded in 1903 and is headquartered in Little Rock, Arkansas.