Glen Burnie Bancorp (NASDAQ:GLBZ) & Washington Trust Bancorp (NASDAQ:WASH) Head-To-Head Contrast

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Washington Trust Bancorp	13.26%	9.83%	0.78%
Glen Burnie Bancorp	0.16%	0.14%	0.01%

Risk and Volatility

Washington Trust Bancorp has a beta of 0.86, indicating that its stock price is 14% less volatile than the S&P 500. Comparatively, Glen Burnie Bancorp has a beta of 0.2, indicating that its stock price is 80% less volatile than the S&P 500.

Institutional & Insider Ownership

65.8% of Washington Trust Bancorp shares are held by institutional investors. Comparatively, 9.8% of Glen Burnie Bancorp shares are held by institutional investors. 1.1% of Washington Trust Bancorp shares are held by insiders. Comparatively, 14.6% of Glen Burnie Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares Washington Trust Bancorp and Glen Burnie Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Washington Trust Bancorp	$393.95 million	1.66	-$28.06 million	$2.70	12.73
Glen Burnie Bancorp	$11.83 million	1.08	-$110,000.00	$0.01	440.00

Glen Burnie Bancorp has lower revenue, but higher earnings than Washington Trust Bancorp. Washington Trust Bancorp 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

Washington Trust Bancorp pays an annual dividend of $2.24 per share and has a dividend yield of 6.5%. Glen Burnie Bancorp pays an annual dividend of $0.10 per share and has a dividend yield of 2.3%. Washington Trust Bancorp pays out 83.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. 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. Washington Trust Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Analyst Recommendations

This is a breakdown of current ratings and price targets for Washington Trust Bancorp and Glen Burnie Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Washington Trust Bancorp	1	3	0	1	2.20
Glen Burnie Bancorp	1	0	0	0	1.00

Washington Trust Bancorp presently has a consensus target price of $31.33, indicating a potential downside of 8.84%. Given Washington Trust Bancorp’s stronger consensus rating and higher possible upside, analysts plainly believe Washington Trust Bancorp is more favorable than Glen Burnie Bancorp.

Summary

Washington Trust Bancorp beats Glen Burnie Bancorp on 13 of the 16 factors compared between the two stocks.

About Washington Trust Bancorp

Washington Trust Bancorp, Inc. operates as the bank holding company for The Washington Trust Company, of Westerly that provides various banking and financial services to individuals and businesses. The company operates in two segments, Commercial Banking and Wealth Management Services. The Commercial Banking segment offers deposit accounts, including interest-bearing and noninterest-bearing demand deposits, NOW and savings accounts, money market and retirement deposit accounts, and time deposits; various commercial and retail lending products, such as commercial real estate loans, including commercial mortgages, and construction and development loans; commercial and industrial loans comprising working capital, equipment financing, and financing for other business-related purposes; residential real estate loans that consist of mortgage and homeowner construction loans; and consumer loans comprising home equity loans and lines of credit, personal installment loans, and loans to individuals secured by general aviation aircraft. This segment also provides debit cards; automated teller machines (ATMs); telephone banking, internet banking, mobile banking, remote deposit capture, and other cash management services; and investment portfolio and wholesale funding services. The Wealth Management Services segment offers investment management; financial planning; personal trust and estate services, such as trustee, personal representative, custodian, and guardian; and settlement of decedents’ estates, as well as institutional trust services comprising custody and fiduciary services for personal and institutional clients. Washington Trust Bancorp, Inc. was founded in 1800 and is headquartered in Westerly, Rhode Island.

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.