Glen Burnie Bancorp (NASDAQ:GLBZ – Get Free Report) and Business First Bancshares (NASDAQ:BFST – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their risk, valuation, profitability, analyst recommendations, dividends, earnings and institutional ownership.
Insider and Institutional Ownership
9.8% of Glen Burnie Bancorp shares are owned by institutional investors. Comparatively, 47.4% of Business First Bancshares shares are owned by institutional investors. 14.6% of Glen Burnie Bancorp shares are owned by insiders. Comparatively, 5.7% of Business First Bancshares 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.
Analyst Recommendations
This is a summary of current ratings and price targets for Glen Burnie Bancorp and Business First Bancshares, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Glen Burnie Bancorp | 0 | 0 | 0 | 0 | 0.00 |
| Business First Bancshares | 0 | 0 | 4 | 0 | 3.00 |
Profitability
This table compares Glen Burnie Bancorp and Business First Bancshares’ 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% |
| Business First Bancshares | 15.47% | 11.21% | 1.06% |
Volatility & Risk
Glen Burnie Bancorp has a beta of 0.26, meaning that its stock price is 74% less volatile than the S&P 500. Comparatively, Business First Bancshares has a beta of 0.85, meaning that its stock price is 15% less volatile than the S&P 500.
Earnings and Valuation
This table compares Glen Burnie Bancorp and Business First Bancshares”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Glen Burnie Bancorp | $16.37 million | 0.73 | -$110,000.00 | $0.01 | 412.00 |
| Business First Bancshares | $458.96 million | 1.62 | $65.11 million | $2.51 | 9.99 |
Business First Bancshares has higher revenue and earnings than Glen Burnie Bancorp. Business First 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
Business First Bancshares 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 Business First Bancshares
Business First Bancshares, Inc. operates as the bank holding company for b1BANK that provides various banking products and services in Louisiana and Texas. It offers various deposit products and services, including checking, demand, money market, time, and savings accounts; and certificates of deposits, remote deposit capture, and direct deposit services. The company also provides commercial and industrial loans, such as working capital, term, equipment financing, asset acquisition, expansion and development, borrowing base, and other loan products, as well as commercial lines of credit, accounts receivable factoring, agricultural financing, and letters of credit; construction and development loans; commercial real estate loans; residential real estate loans comprising first and second lien 1-4 family mortgage loans, and home equity lines of credit; and consumer loans, including secured and unsecured installment, and term loans. In addition, it offers wealth management products, including mutual funds, annuities, individual retirement accounts, and other financial products, as well as other fiduciary and private banking products and services. Further, the company provides a range of other financial services comprising debit and credit cards, treasury and cash management, merchant, automated clearing house, lock-box, receivables factoring, correspondent banking, and other treasury services, as well as employee and payroll benefits solutions; and drive-through banking facilities, automated teller machines, night depository, personalized checks, electronic funds transfer, domestic and foreign wire transfer, traveler's checks, vault, loan and deposit sweep accounts, online and mobile banking, e-statements, and bank-by-mail services. Business First Bancshares, Inc. was founded in 2006 and is headquartered in Baton Rouge, Louisiana.
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