Glen Burnie Bancorp (NASDAQ:GLBZ – Get Rating) and Chemung Financial (NASDAQ:CHMG – Get Rating) are both small cap finance companies, but which company is superior? We will compare the two companies 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. By comparison, 36.2% of Chemung Financial’s shares are held by institutional investors. 15.2% of the shares of Glen Burnie Bancorp are held by insiders. By comparison, 13.3% of Chemung Financial’s shares are held by insiders. Strong institutional ownership is an indication that endowments, large fund 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 its stock price is 7% less volatile than the S&P 500. In comparison, Chemung Financial has a beta of 0.07, meaning its stock price is 93 % less volatile than the S&P 500.

Valuation and benefits

This chart compares revenue, earnings per share (EPS), and valuation of Glen Burnie Bancorp and Chemung Financial.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Glen Burnie Bancorp $14.14 million 2.64 $2.52 million $0.75 5:39 p.m.
Chemung Financial $92.88 million 2.38 $26.42 million $5.71 8.32

Chemung Financial has higher revenue and profit 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 the net margins, return on equity and return on assets of Glen Burnie Bancorp and Chemung Financial.

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 53.3% of its profits as a dividend. Chemung Financial pays 21.7% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Chemung Financial has increased its dividend for 1 consecutive years.

Analyst Notes

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

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
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 out of 14 factors compared between the two stocks.

Glen Burnie Bancorp Company Profile (Get an evaluation)

Glen Burnie Bancorp operates as a bank holding company for The Bank of Glen Burnie which 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, secured and unsecured commercial loans, as well as consumer installment loans, such as indirect auto lending services; and first and second residential mortgages, home equity lines of credit and commercial mortgages. In addition, the Company offers ancillary products and services including safe deposit boxes, money orders, night deposits, automated clearing house transactions and automated teller machine (ATM) services, as well as electronic banking services including phone banking, online banking, bill payment, card check, mobile app, merchant source capture, mobile deposit capture, Zelle, etc. Additionally, it provides cash services, including wire transfer and ACH services, and debit cards. In addition, the Company is engaged in the business of acquiring, holding and disposing of real estate. It serves customers in northern Anne Arundel County and surrounding areas from its main office and branch office in Glen Burnie, Maryland; and branches 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 an evaluation)

Chemung Financial LogoChemung Financial Corporation operates as a holding company for Chemung Canal Trust Company which provides a range of banking, financial, trust and other financial services. The company provides demand, savings and term deposits; unpaid and interest-bearing checking accounts; and insured money market accounts. It also offers commercial and agricultural loans including loans to small and medium enterprises; commercial mortgage loans; residential mortgages; 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 funds, insurance products and brokerage services. Additionally, it provides securities, insurance, and tax preparation services. Additionally, it provides custodian, custodian and trustee services, as well as an agent for pension plans, profit sharing and other benefit trusts; and various investment, retirement, estate planning and employee benefits administration services. The company operates 31 branches 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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