Glen Burnie Bancorp (NASDAQ:GLBZ) & CNB Financial (NASDAQ:CCNE) Head-To-Head Survey

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

Analyst Ratings

This is a summary of recent ratings and recommmendations for Glen Burnie Bancorp and CNB Financial, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Glen Burnie Bancorp	1	0	0	0	1.00
CNB Financial	0	2	2	1	2.80

CNB Financial has a consensus target price of $34.33, indicating a potential upside of 4.67%. Given CNB Financial’s stronger consensus rating and higher possible upside, analysts plainly believe CNB Financial is more favorable than Glen Burnie Bancorp.

Risk and Volatility

Glen Burnie Bancorp has a beta of 0.16, indicating that its share price is 84% less volatile than the S&P 500. Comparatively, CNB Financial has a beta of 0.64, indicating that its share price is 36% less volatile than the S&P 500.

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Glen Burnie Bancorp	$11.83 million	1.14	-$110,000.00	($0.03)	-153.63
CNB Financial	$432.51 million	2.25	$66.13 million	$2.81	11.67

CNB Financial has higher revenue and earnings than Glen Burnie Bancorp. Glen Burnie Bancorp is trading at a lower price-to-earnings ratio than CNB Financial, indicating that it is currently the more affordable of the two stocks.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Glen Burnie Bancorp	0.16%	0.14%	0.01%
CNB Financial	17.62%	12.14%	1.16%

Dividends

Glen Burnie Bancorp pays an annual dividend of $0.10 per share and has a dividend yield of 2.2%. CNB Financial pays an annual dividend of $0.76 per share and has a dividend yield of 2.3%. Glen Burnie Bancorp pays out -333.3% of its earnings in the form of a dividend. CNB Financial pays out 27.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. CNB Financial has raised its dividend for 1 consecutive years. CNB Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Insider & Institutional Ownership

9.8% of Glen Burnie Bancorp shares are owned by institutional investors. Comparatively, 52.4% of CNB Financial shares are owned by institutional investors. 14.6% of Glen Burnie Bancorp shares are owned by company insiders. Comparatively, 2.9% of CNB Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Summary

CNB Financial beats Glen Burnie Bancorp on 15 of the 18 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 CNB Financial

CNB Financial Corporation operates as the bank holding company for CNB Bank that provides a range of banking products and services for individual, business, governmental, and institutional customers. The company accepts checking, savings, and time deposit accounts; and offers real estate, commercial, industrial, residential, and consumer loans, as well as various other specialized financial services. It also provides private banking; and wealth and asset management services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, as well as a range of wealth management services. In addition, the company invests in debt and equity securities; sells nonproprietary annuities and other insurance products; and offers small balance unsecured loans and secured loans primarily collateralized by automobiles and equipment, as well as engages in consumer discount loan and finance business. The company was founded in 1865 and is headquartered in Clearfield, Pennsylvania.