Head to Head Review: First Interstate BancSystem (NASDAQ:FIBK) & Glen Burnie Bancorp (NASDAQ:GLBZ)

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

Profitability

This table compares First Interstate BancSystem and Glen Burnie Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Interstate BancSystem	15.94%	6.92%	0.75%
Glen Burnie Bancorp	-0.68%	-0.59%	-0.03%

Analyst Recommendations

This is a breakdown of recent ratings and target prices for First Interstate BancSystem and Glen Burnie Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Interstate BancSystem	2	2	3	0	2.14
Glen Burnie Bancorp	0	0	0	0	0.00

First Interstate BancSystem currently has a consensus target price of $35.00, indicating a potential upside of 29.29%. Given First Interstate BancSystem’s stronger consensus rating and higher possible upside, analysts clearly believe First Interstate BancSystem is more favorable than Glen Burnie Bancorp.

Dividends

First Interstate BancSystem pays an annual dividend of $1.88 per share and has a dividend yield of 6.9%. Glen Burnie Bancorp pays an annual dividend of $0.10 per share and has a dividend yield of 2.0%. First Interstate BancSystem pays out 89.1% 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. First Interstate BancSystem is clearly the better dividend stock, given its higher yield and lower payout ratio.

Volatility and Risk

First Interstate BancSystem has a beta of 0.76, meaning that its stock price is 24% less volatile than the S&P 500. Comparatively, Glen Burnie Bancorp has a beta of 0.29, meaning that its stock price is 71% less volatile than the S&P 500.

Earnings & Valuation

This table compares First Interstate BancSystem and Glen Burnie Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Interstate BancSystem	$1.00 billion	2.83	$226.00 million	$2.11	12.83
Glen Burnie Bancorp	$11.69 million	1.24	-$110,000.00	$0.01	498.50

First Interstate BancSystem has higher revenue and earnings than Glen Burnie Bancorp. First Interstate BancSystem 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.

Institutional and Insider Ownership

88.7% of First Interstate BancSystem shares are owned by institutional investors. Comparatively, 9.8% of Glen Burnie Bancorp shares are owned by institutional investors. 8.2% of First Interstate BancSystem shares are owned by company insiders. Comparatively, 14.1% of Glen Burnie Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Summary

First Interstate BancSystem beats Glen Burnie Bancorp on 15 of the 16 factors compared between the two stocks.

About First Interstate BancSystem

First Interstate BancSystem, Inc. operates as the bank holding company for First Interstate Bank that provides range of banking products and services in the United States. It offers various traditional depository products, including checking, savings, and time deposits; and repurchase agreements primarily for commercial and municipal depositors. The company also offers real estate loans comprising commercial real estate, construction, residential, agricultural, and other real estate loans; consumer loans comprising direct personal loans, credit card loans and lines of credit, and indirect loans; variable and fixed rate commercial loans for small and medium-sized manufacturing, wholesale, retail, and service businesses for working capital needs and business expansions; and agricultural loans. In addition, it provides a range of trust, employee benefit, investment management, insurance, agency, and custodial services to individuals, businesses, and nonprofit organizations. Further, the company offers marketing, credit review, loan servicing, credit cards issuance and servicing, mortgage loan sales and servicing, indirect consumer loan purchasing and processing, loan collection services, other operational, and specialized staff support services, as well as online and mobile banking services. The company serves individuals, businesses, municipalities, and other entities in various industries, including agriculture, construction, education, governmental services, healthcare, hospitality, housing, professional services, real estate development, retail, technology, tourism, and wholesale trade. First Interstate BancSystem, Inc. was incorporated in 1971 and is headquartered in Billings, Montana.

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.