Contrasting Glen Burnie Bancorp (NASDAQ:GLBZ) and Heritage Commerce (NASDAQ:HTBK)

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

Profitability

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

Net Margins Return on Equity Return on Assets
Glen Burnie Bancorp 8.04% 3.81% 0.33%
Heritage Commerce 33.46% 13.39% 1.59%

Analyst Ratings

This is a breakdown of current ratings and target prices for Glen Burnie Bancorp and Heritage Commerce, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Glen Burnie Bancorp 0 0 0 0 N/A
Heritage Commerce 0 1 0 0 2.00

Heritage Commerce has a consensus price target of $16.00, suggesting a potential upside of 39.13%. Given Heritage Commerce’s higher possible upside, analysts plainly believe Heritage Commerce is more favorable than Glen Burnie Bancorp.

Volatility & Risk

Glen Burnie Bancorp has a beta of 0.3, indicating that its share price is 70% less volatile than the S&P 500. Comparatively, Heritage Commerce has a beta of 0.84, indicating that its share price is 16% less volatile than the S&P 500.

Institutional and Insider Ownership

8.9% of Glen Burnie Bancorp shares are owned by institutional investors. Comparatively, 77.9% of Heritage Commerce shares are owned by institutional investors. 19.9% of Glen Burnie Bancorp shares are owned by insiders. Comparatively, 4.2% of Heritage Commerce shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Valuation & Earnings

This table compares Glen Burnie Bancorp and Heritage Commerce’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Glen Burnie Bancorp $16.21 million 1.88 $1.58 million N/A N/A
Heritage Commerce $139.42 million 3.59 $35.33 million $1.06 10.85

Heritage Commerce has higher revenue and earnings than Glen Burnie Bancorp.

Dividends

Glen Burnie Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 3.7%. Heritage Commerce pays an annual dividend of $0.48 per share and has a dividend yield of 4.2%. Heritage Commerce pays out 45.3% of its earnings in the form of a dividend.

Summary

Heritage Commerce beats Glen Burnie Bancorp on 10 of the 13 factors compared between the two stocks.

Glen Burnie Bancorp Company Profile

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 accepts various deposits, including demand savings accounts, money market deposit accounts, demand deposit accounts, NOW checking accounts, IRA and SEP accounts, holiday club 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 installment 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 ancillary products and services comprising safe deposit boxes, money orders, night depositories, automated clearinghouse transactions, wire transfers, automated teller machine services, and telephone and Internet banking services. Further, it provides treasury services products, including wire transfer and ACH services, checkcards, and credit cards; and telephone, mobile, and Internet banking services, as well as Internet bill paying services. Additionally, the company engages in the business of acquiring, holding, and disposing of real property. It serves customers in northern Anne Arundel county and surrounding areas from its main office; branch in Glen Burnie, Maryland; and branch offices in Odenton, Riviera Beach, Crownsville, Severn, Linthicum, and Severna Park, Maryland. The company was founded in 1949 and is based in Glen Burnie, Maryland.

Heritage Commerce Company Profile

Heritage Commerce Corp operates as the bank holding company for Heritage Bank of Commerce that provides various commercial and personal banking services to residents and the business/professional community in California. It offers a range of deposit products for business banking and retail markets, including interest and non-interest bearing demand, savings accounts, certificate of deposit, money market accounts, and time deposits. The company also provides various loan products comprising commercial loans, such as operating secured and unsecured loans advanced for working capital, equipment purchases, and other business purposes; commercial real estate loans; commercial construction loans for rental properties, commercial buildings, and homes; home equity lines of credit; consumer loans consisting of loans for financing automobiles, various consumer goods, and other personal purposes; and small business administration loans. In addition, it offers other banking services, including cashier's checks, bank-by-mail, ATMs, night depositories, safe deposit boxes, direct deposit, automated payroll, electronic funds transfer, online bill pay, homeowner association, remote deposit capture, automated clearing house origination, electronic data interchange, and check imaging services, as well as other customary banking, factoring financing, and electronic banking services. The company provides its banking products and services through 14 full service branch offices in the southern and eastern regions of the general San Francisco Bay Area of California in the counties of Santa Clara, Alameda, Contra Costa, and San Benito. Heritage Commerce Corp was founded in 1997 and is based in San Jose, California.

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