Glen Burnie Bancorp (NASDAQ:GLBZ) and Equity Bancshares (NASDAQ:EQBK) Financial Analysis

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

Volatility and Risk

Glen Burnie Bancorp has a beta of 0.61, suggesting that its share price is 39% less volatile than the S&P 500. Comparatively, Equity Bancshares has a beta of 0.92, suggesting that its share price is 8% less volatile than the S&P 500.

Profitability

This table compares Glen Burnie Bancorp and Equity Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Glen Burnie Bancorp	0.60%	0.50%	0.03%
Equity Bancshares	6.36%	13.53%	1.22%

Dividends

Glen Burnie Bancorp pays an annual dividend of $0.30 per share and has a dividend yield of 5.2%. Equity Bancshares pays an annual dividend of $0.60 per share and has a dividend yield of 1.4%. Glen Burnie Bancorp pays out 1,000.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Equity Bancshares pays out 54.5% of its earnings in the form of a dividend.

Analyst Recommendations

This is a summary of current recommendations and price targets for Glen Burnie Bancorp and Equity Bancshares, 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
Equity Bancshares	0	2	2	0	2.50

Equity Bancshares has a consensus price target of $44.75, suggesting a potential upside of 8.04%. Given Equity Bancshares’ stronger consensus rating and higher probable upside, analysts clearly believe Equity Bancshares is more favorable than Glen Burnie Bancorp.

Insider and Institutional Ownership

9.8% of Glen Burnie Bancorp shares are held by institutional investors. Comparatively, 71.8% of Equity Bancshares shares are held by institutional investors. 14.1% of Glen Burnie Bancorp shares are held by company insiders. Comparatively, 8.0% of Equity Bancshares shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Valuation and Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Glen Burnie Bancorp	$11.86 million	1.41	$1.43 million	$0.03	192.33
Equity Bancshares	$153.70 million	4.12	$7.82 million	$1.10	37.65

Equity Bancshares has higher revenue and earnings than Glen Burnie Bancorp. Equity Bancshares 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

Equity Bancshares beats Glen Burnie Bancorp on 13 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 Equity Bancshares

Equity Bancshares, Inc. operates as the bank holding company for Equity Bank that provides a range of banking, mortgage banking, and financial services to individual and corporate customers. The company accepts various demand, savings, money market, and time deposits. Its loan products include commercial and industrial, commercial real estate, commercial lines of credit, working capital, term, equipment and aircraft financing, acquisition, expansion and development, borrowing base, real estate construction, homebuilder, agricultural, government guaranteed, and other loan products. The company's loan products also comprise 1 4 family residential mortgages, agriculture, consumer, residential real estate mortgage, and agricultural real estate and production loans. It also provides debit and credit cards; insurance brokerage; trust and wealth management; online banking solutions, such as access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; mobile banking solutions comprising remote check deposits with mobile bill pay; ATMs; and treasury management, wire transfer, automated clearing house, and stop payment services. In addition, the company offers cash management deposit products, such as lockbox, remote deposit capture, positive pay, reverse positive pay, account reconciliation services, zero balance accounts, and sweep accounts, as well as banking services through telephone, mail, and personal appointments. It operates a network of branches in Arkansas, Kansas, Missouri, and Oklahoma. Equity Bancshares, Inc. was incorporated in 2002 and is headquartered in Wichita, Kansas.