Glen Burnie Bancorp (NASDAQ:GLBZ – Get Rating) and South Plains Financial (NASDAQ:SPFI – Get Rating) are both small cap financials, but which stock is superior? We’ll compare the two companies based on the strength of their earnings, dividends, institutional ownership, risk, profitability, analyst recommendations and valuation.

Institutional and insider ownership

2.6% of Glen Burnie Bancorp shares are held by institutional investors. By comparison, 22.3% of South Plains Financial shares are held by institutional investors. 15.2% of the shares of Glen Burnie Bancorp are held by insiders. By comparison, 25.9% of South Plains Financial shares are held by insiders. Strong institutional ownership indicates that large fund managers, endowments, and hedge funds believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of current recommendations and price targets for Glen Burnie Bancorp and South Plains Financial, as provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Glen Burnie Bancorp 0 0 0 0 N / A
Southern Plains Financial 0 0 0 0 N / A

South Plains Financial has a consensus price target of $29.00, indicating a potential upside of 9.60%. Given South Plains Financial’s possible higher upside, analysts clearly believe that South Plains Financial is more favorable than Glen Burnie Bancorp.

Profitability

This table compares the net margins, return on equity and return on assets of Glen Burnie Bancorp and South Plains Financial.

Net margins Return on equity return on assets
Glen Burnie Bancorp 14.55% 6.65% 0.46%
Southern Plains Financial 25.64% 15.42% 1.53%

Volatility and risk

Glen Burnie Bancorp has a beta of 0.78, suggesting its stock price is 22% less volatile than the S&P 500. In comparison, South Plains Financial has a beta of 0.65, suggesting its stock price is 35% 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 South Plains Financial.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Glen Burnie Bancorp $14.14 million 2.10 $2.52 million $0.69 15.07
Southern Plains Financial $232.51 million 1.98 $58.61 million $3.27 8.09

South Plains Financial has higher revenues and profits than Glen Burnie Bancorp. South Plains 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.

Dividends

Glen Burnie Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 3.8%. South Plains Financial pays an annual dividend of $0.48 per share and has a dividend yield of 1.8%. Glen Burnie Bancorp pays 58.0% of its profits as a dividend. South Plains Financial pays 14.7% 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. South Plains Financial has increased its dividend for 3 consecutive years.

Summary

South Plains Financial beats Glen Burnie Bancorp on 11 out of 15 factors compared between the two stocks.

About Glen Burnie Bancorp

(Get an assessment)

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.

About South Plains Financial

(Get an assessment)

Southern Plains Financial LogoSouth Plains Financial, Inc. operates as a bank holding company for City Bank which provides commercial and consumer financial services to small and medium businesses and individuals. The Company operates through two segments, Banking and Insurance. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts and certificates of deposit. The company also offers commercial real estate loans; general and specialized commercial loans, including agricultural production and real estate, energy, finance, investment and insurance loans, as well as goods, services, restaurant and retail loans, to construction and other industries; residential construction loans; and residential loans for 1 to 4 families, car loans and other loans for recreational vehicles or other purposes. In addition, it offers crop insurance products; trusted products and services; investment services; mortgage banking services; online and mobile banking; and debit and credit cards. The company operates 25 full-service banking locations; and 15 loan origination offices located throughout Texas and eastern New Mexico. South Plains Financial, Inc. was founded in 1941 and is headquartered in Lubbock, Texas.



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