What is Glen Burnie Bancorp's earnings per share (EPS)?

Glen Burnie Bancorp (GLBZ) reported diluted earnings per share of -$0.04 for fiscal year 2024. This represents a -108.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Glen Burnie Bancorp Financials

GLBZ

FY2024 annual

Revenue $15.2M +14.1% YoY

Net Income -$112K -107.8% YoY

EPS (Diluted) -$0.04 -108.0% YoY

Free Cash Flow -$53K -104.3% YoY

Source SEC Filings (10-K/10-Q) Data as of Sep 30, 2025 Currency USD FYE December

Glen Burnie Bancorp (GLBZ) reported $15.2M in revenue for fiscal year 2024, up 14.1% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI GLBZ FY2024 2026-08-15

Glen Burnie Bancorp’s earnings engine now hinges less on growth than on whether funding costs stop overwhelming asset income.

The latest year’s revenue rebound did not translate into healthier economics because interest expense climbed to $4.3M from $1.2M, indicating the balance sheet became much more expensive to fund. That shift pushed the company into a small loss and left operating cash flow at just $28K, so accounting results and cash generation no longer moved together.

This is a highly leveraged banking balance sheet: liabilities were $341.1M against only $17.8M of equity, so even a narrow squeeze in spread income can meaningfully alter shareholder returns. That is why a modest asset-level earnings change can look much larger once it reaches equity holders.

Cash strain is coming from funding pressure, not from capital intensity; capital spending was only $81K, so free cash flow stayed close to operating cash flow. That makes the business more sensitive to funding terms than to ordinary reinvestment needs. The dividend was reduced, yet payouts still totaled $865K while operating cash flow was only $28K, showing distributions were not covered by the year’s internal cash generation.

Financial Health Signals

Financial health score not available

Glen Burnie Bancorp does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

3/6

Glen Burnie Bancorp passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Mixed

N/A

Glen Burnie Bancorp reported a net loss of $112K while generating $28K in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.

Key Financial Metrics

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Earnings & Revenue

Revenue

$15.2M

YoY+14.1%

5Y CAGR+0.9%

10Y CAGR+0.5%

Glen Burnie Bancorp generated $15.2M in revenue in fiscal year 2024. This represents an increase of 14.1% from the prior year.

Net Income

-$112K

YoY-107.8%

Glen Burnie Bancorp reported -$112K in net income in fiscal year 2024. This represents a decrease of 107.8% from the prior year.

EPS (Diluted)

-$0.04

YoY-108.0%

Glen Burnie Bancorp earned -$0.04 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 108.0% from the prior year.

EBITDA

Not reported for fiscal year 2024.

Cash & Balance Sheet

Free Cash Flow

-$53K

YoY-104.3%

Glen Burnie Bancorp recorded an outflow of $53K in free cash flow in fiscal year 2024, representing a cash shortfall after capex. This represents a decrease of 104.3% from the prior year.

Cash & Debt

$24.5M

YoY+60.5%

5Y CAGR+13.0%

10Y CAGR+6.3%

Glen Burnie Bancorp held $24.5M in cash as of fiscal year 2024; long-term debt is not reported for that period.

Dividends Per Share

$0.20

YoY-50.0%

5Y CAGR-12.9%

10Y CAGR-6.7%

Glen Burnie Bancorp paid $0.20 per share in dividends in fiscal year 2024. This represents a decrease of 50.0% from the prior year.

Shares Outstanding

YoY+0.5%

5Y CAGR+0.5%

10Y CAGR+0.5%

Glen Burnie Bancorp had 3M shares outstanding in fiscal year 2024. This represents an increase of 0.5% from the prior year.

Margins & Returns

Net Margin

-0.7%

YoY-11.5pp

5Y CAGR-11.8pp

10Y CAGR-13.9pp

Glen Burnie Bancorp's net profit margin was -0.7% in fiscal year 2024, showing the share of revenue converted to profit. This is down 11.5 percentage points from the prior year.

Return on Equity

-0.6%

YoY-8.0pp

5Y CAGR-5.1pp

10Y CAGR-6.3pp

Glen Burnie Bancorp's ROE was -0.6% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 8.0 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2024.

Operating Margin

Not reported for fiscal year 2024.

Capital Allocation

Capital Expenditures

$81K

YoY-46.7%

5Y CAGR-24.8%

10Y CAGR-15.6%

Glen Burnie Bancorp invested $81K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 46.7% from the prior year.

R&D Spending

Not reported for fiscal year 2024.

Share Buybacks

Not reported for fiscal year 2024.

GLBZ Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

GLBZ annual income statement

Metric	TTM	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10
Revenue	$15.4M	$15.2M+14.1%	$13.3M+4.9%	$12.7M-6.0%	$13.5M-1.1%	$13.7M-5.8%	$14.5M-1.2%	$14.7M+8.0%	$13.6M+2.5%	$13.3M-2.4%	$13.6M-6.3%	$14.5M-5.0%	$15.3M-3.4%	$15.8M-7.7%	$17.1M-5.8%	$18.2M
SG&A Expenses	N/A	$6.6M-1.9%	$6.7M+4.7%	$6.4M-1.5%	$6.5M-3.5%	$6.7M-1.2%	$6.8M+3.5%	$6.6M+6.9%	$6.2M-0.8%	$6.2M-43.2%	$10.9M-4.2%	$11.4M+2.7%	$11.1M+2.9%	$10.8M-2.9%	$11.1M-0.6%	$11.2M
Interest Expense	$4.5M	$4.3M+255.3%	$1.2M+40.9%	$853K-20.6%	$1.1M-29.1%	$1.5M-21.4%	$1.9M-8.3%	$2.1M+8.5%	$1.9M-8.8%	$2.1M-11.2%	$2.4M-5.7%	$2.5M-4.8%	$2.7M-18.2%	$3.3M-11.6%	$3.7M-30.5%	$5.3M
Income Tax	N/A	-$525K-829.2%	$72K-70.0%	$240K-58.4%	$577K+17.5%	$491K+8.6%	$452K+247.7%	$130K-85.8%	$913K+1200.0%	-$83K-133.9%	$245K-20.6%	$309K-51.3%	$634K-5.9%	$674K-12.2%	$767K+58.1%	$486K
Net Income	$26K	-$112K-107.8%	$1.4M-18.1%	$1.7M-30.6%	$2.5M+50.9%	$1.7M+4.3%	$1.6M+1.0%	$1.6M+73.8%	$911K-17.3%	$1.1M-18.6%	$1.4M-29.3%	$1.9M-26.8%	$2.6M-1.9%	$2.7M-11.0%	$3.0M+45.0%	$2.1M
EPS (Diluted)	$0.00	-$0.04-108.0%	$0.50-18.0%	$0.61-30.7%	$0.88+49.2%	$0.59	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Revenue	$3.9M+1.5%	$3.9M+6.8%	$3.6M-8.2%	$4.0M-0.1%	$4.0M+1.7%	$3.9M+14.3%	$3.4M-0.9%	$3.4M
SG&A Expenses	$1.9M-7.9%	$2.0M+10.9%	$1.8M	N/A	$1.7M+3.2%	$1.6M-1.1%	$1.6M	N/A
Interest Expense	$1.1M-3.1%	$1.1M+7.0%	$1.1M-10.6%	$1.2M+4.7%	$1.1M+2.8%	$1.1M+32.9%	$833K+53.1%	$544K
Income Tax	-$38K+76.7%	-$163K-462.1%	-$29K	N/A	-$50K+73.5%	-$189K+18.5%	-$232K	N/A
Net Income	$125K+159.1%	-$212K-238.6%	$153K+482.4%	-$40K-131.0%	$129K+163.3%	-$204K-6559.8%	$3K-98.1%	$167K
EPS (Diluted)	$0.04+157.1%	-$0.07-240.0%	$0.05	-$0.02	$0.04+157.1%	-$0.07	$0.00-100.0%	$0.06

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

TTM is the trailing twelve months, Q4 FY2024 through Q3 FY2025, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

GLBZ Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

GLBZ annual balance sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10
Total Assets	$359.0M+2.0%	$351.8M-7.8%	$381.4M-13.7%	$442.1M+5.4%	$419.5M+9.0%	$384.9M-6.8%	$413.0M+6.1%	$389.4M+0.3%	$388.4M-0.5%	$390.6M-1.0%	$394.6M+4.6%	$377.2M-2.6%	$387.4M+6.1%	$365.3M+5.2%	$347.1M
Cash & Equivalents	$24.5M+60.5%	$15.2M-49.4%	$30.1M-51.6%	$62.2M+67.6%	$37.1M+179.1%	$13.3M-16.7%	$16.0M+26.6%	$12.6M+18.7%	$10.6M-14.1%	$12.4M-6.8%	$13.3M+21.2%	$11.0M-41.2%	$18.6M+87.2%	$10.0M+10.6%	$9.0M
Total Liabilities	$341.1M+2.6%	$332.5M-9.0%	$365.4M-10.1%	$406.4M+6.3%	$382.4M+9.5%	$349.3M-7.8%	$379.0M+6.6%	$355.4M+0.2%	$354.6M-0.5%	$356.4M-1.2%	$360.8M+4.4%	$345.6M-2.3%	$353.9M+5.9%	$334.0M+4.2%	$320.7M
Long-Term Debt	N/A	N/A	N/A	$10.0M	$0	$0	$0	$0-100.0%	$10.0M-50.0%	$20.0M0.0%	$20.0M0.0%	$20.0M0.0%	$20.0M0.0%	$20.0M0.0%	$20.0M
Total Equity	$17.8M-7.8%	$19.3M+20.4%	$16.1M-55.1%	$35.7M-3.7%	$37.1M+4.0%	$35.7M+4.8%	$34.1M0.0%	$34.0M+0.7%	$33.8M-1.1%	$34.2M+1.0%	$33.8M+7.1%	$31.6M-6.0%	$33.6M+7.6%	$31.2M+18.5%	$26.3M
Retained Earnings	$22.9M-4.1%	$23.9M+1.2%	$23.6M+2.6%	$23.0M-0.4%	$23.1M+2.4%	$22.5M+2.1%	$22.1M+2.1%	$21.6M-0.5%	$21.7M-0.1%	$21.7M+2.9%	$21.1M+4.0%	$20.3M+8.1%	$18.8M+9.1%	$17.2M+12.5%	$15.3M

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Total Assets	$351.8M+0.3%	$350.7M-2.0%	$358.0M-0.3%	$359.0M-2.6%	$368.4M+3.6%	$355.7M-3.8%	$369.9M+5.1%	$351.8M
Cash & Equivalents	$12.2M-3.5%	$12.7M-46.5%	$23.7M-3.2%	$24.5M+8.9%	$22.5M+33.8%	$16.8M-60.6%	$42.6M+179.7%	$15.2M
Goodwill	$317K	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$331.1M-0.2%	$331.8M-2.1%	$338.8M-0.7%	$341.1M-1.7%	$347.2M+2.6%	$338.2M-3.8%	$351.7M+5.8%	$332.5M
Total Equity	$20.7M+9.5%	$18.9M-1.3%	$19.2M+7.7%	$17.8M-15.8%	$21.2M+21.1%	$17.5M-3.6%	$18.1M-6.2%	$19.3M
Retained Earnings	$22.9M+0.5%	$22.8M-0.9%	$23.0M+0.7%	$22.9M-0.2%	$22.9M-0.7%	$23.1M-2.1%	$23.6M-1.2%	$23.9M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities.

GLBZ Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

GLBZ annual cash flow statement

Metric	TTM	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10
Operating Cash Flow	-$1.9M	$28K-98.0%	$1.4M-37.1%	$2.2M-39.1%	$3.7M+128.2%	$1.6M-46.5%	$3.0M-27.7%	$4.1M+12.6%	$3.7M+42.1%	$2.6M+20.9%	$2.1M-15.1%	$2.5M-38.7%	$4.1M+0.6%	$4.1M-7.2%	$4.4M-11.7%	$5.0M
Capital Expenditures	N/A	$81K-46.7%	$152K-40.6%	$256K-10.8%	$287K-49.9%	$573K+70.5%	$336K+60.8%	$209K+2.0%	$205K-37.5%	$328K+262.9%	$90K-79.6%	$443K+68.5%	$263K+43.9%	$183K-55.7%	$412K+9.0%	$378K
Free Cash Flow	N/A	-$53K-104.3%	$1.2M-36.7%	$2.0M-41.6%	$3.4M+227.4%	$1.0M-61.3%	$2.7M-32.4%	$3.9M+13.3%	$3.5M+53.6%	$2.3M+10.2%	$2.0M-1.4%	$2.1M-46.0%	$3.8M-1.5%	$3.9M-2.2%	$4.0M-13.4%	$4.6M
Investing Cash Flow	$6.9M	$847K-95.2%	$17.7M+151.8%	$7.0M+650.1%	-$1.3M+87.1%	-$9.9M-137.5%	$26.3M+214.4%	-$23.0M-1243.5%	-$1.7M-20.1%	-$1.4M	N/A	N/A	N/A	-$14.3M+10.5%	-$16.0M-1246.7%	$1.4M
Financing Cash Flow	-$15.2M	$8.3M+124.6%	-$33.9M+17.9%	-$41.3M-282.0%	$22.7M-29.2%	$32.1M+200.3%	-$32.0M-243.9%	$22.2M+88864.0%	$25K+100.9%	-$2.9M	N/A	N/A	N/A	$18.9M+50.6%	$12.6M+242.3%	-$8.8M
Dividends Paid	N/A	$865K-24.7%	$1.1M+0.5%	$1.1M+0.4%	$1.1M+0.4%	$1.1M+0.5%	$1.1M+0.5%	$1.1M+0.4%	$1.1M+0.4%	$1.1M+8.7%	$1.0M-7.1%	$1.1M+33.9%	$822K-39.7%	$1.4M+30.6%	$1.0M-2.9%	$1.1M

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Operating Cash Flow	-$862K-1667.3%	$55K+113.4%	-$411K+43.5%	-$728K-246.5%	$497K+255.0%	$140K+17.6%	$119K-79.2%	$571K
Capital Expenditures	N/A	N/A	N/A	-$50K+212.5%	-$16K-85.8%	$113K+232.4%	$34K+41.7%	$24K
Free Cash Flow	N/A	N/A	N/A	-$778K-261.7%	$481K+1681.5%	$27K-68.2%	$85K-84.5%	$547K
Investing Cash Flow	$1.7M+140.5%	-$4.1M-365.1%	$1.6M-80.1%	$7.8M+363.2%	-$3.0M+76.0%	-$12.4M-247.8%	$8.4M-17.9%	$10.2M
Financing Cash Flow	-$1.2M+82.0%	-$6.9M-259.3%	-$1.9M+62.0%	-$5.1M-162.4%	$8.1M+159.8%	-$13.6M-172.1%	$18.9M+288.5%	-$10.0M
Dividends Paid	N/A	N/A	N/A	-$1K-100.3%	$289K-0.3%	$290K+1.0%	$287K-0.3%	$288K

Not reported in any period shown, so not listed: Share Buybacks.

GLBZ Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

GLBZ annual financial ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10
Net Margin	-0.7%-11.5pp	10.7%-3.0pp	13.7%-4.9pp	18.6%+6.4pp	12.2%+1.2pp	11.0%+0.3pp	10.8%+4.1pp	6.7%-1.6pp	8.3%-1.7pp	9.9%-3.2pp	13.2%-3.9pp	17.1%+0.3pp	16.9%-0.6pp	17.5%+6.1pp	11.4%
Return on Equity	-0.6%-8.0pp	7.4%-3.5pp	10.9%+3.8pp	7.0%+2.5pp	4.5%0.0pp	4.5%-0.2pp	4.7%+2.0pp	2.7%-0.6pp	3.3%-0.7pp	4.0%-1.7pp	5.7%-2.6pp	8.3%+0.4pp	7.9%-1.7pp	9.6%+1.8pp	7.8%
Return on Assets	0.0%-0.4pp	0.4%0.0pp	0.5%-0.1pp	0.6%+0.2pp	0.4%0.0pp	0.4%0.0pp	0.4%+0.1pp	0.2%-0.1pp	0.3%-0.1pp	0.4%-0.1pp	0.5%-0.2pp	0.7%0.0pp	0.7%-0.1pp	0.8%+0.2pp	0.6%
Debt-to-Equity	19.15+1.9x	17.21-5.6x	22.76+22.5x	0.28+0.3x	0.000.0x	0.000.0x	0.000.0x	0.00-0.3x	0.30-0.3x	0.590.0x	0.590.0x	0.630.0x	0.600.0x	0.64-0.1x	0.76
FCF Margin	-0.4%-9.7pp	9.3%-6.1pp	15.5%-9.4pp	24.9%+17.4pp	7.5%-10.8pp	18.3%-8.4pp	26.7%+1.2pp	25.5%+8.5pp	17.0%+1.9pp	15.0%+0.8pp	14.3%-10.9pp	25.2%+0.5pp	24.7%+1.4pp	23.3%-2.1pp	25.4%

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Net Margin	3.2%+8.6pp	-5.5%-9.7pp	4.2%+5.2pp	-1.0%-4.3pp	3.3%+8.5pp	-5.2%-5.3pp	0.1%-4.8pp	4.9%
Return on Equity	0.6%+1.7pp	-1.1%-1.9pp	0.8%+1.0pp	-0.2%-0.8pp	0.6%+1.8pp	-1.2%-1.2pp	0.0%-0.8pp	0.9%
Return on Assets	0.0%+0.1pp	-0.1%-0.1pp	0.0%+0.1pp	0.0%-0.1pp	0.0%+0.1pp	-0.1%-0.1pp	0.0%-0.1pp	0.1%
Debt-to-Equity	15.97-1.6x	17.52-0.1x	17.66-1.5x	19.15+2.7x	16.41-3.0x	19.360.0x	19.40+2.2x	17.21
FCF Margin	N/A	N/A	N/A	-19.7%-31.8pp	12.2%+11.5pp	0.7%-1.8pp	2.5%-13.4pp	15.9%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where Glen Burnie Bancorp Ranks

Frequently Asked Questions

What is Glen Burnie Bancorp's annual revenue?

Glen Burnie Bancorp (GLBZ) reported $15.2M in total revenue for fiscal year 2024. This represents a 14.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Glen Burnie Bancorp's revenue growing?

Glen Burnie Bancorp (GLBZ) revenue grew by 14.1% year-over-year, from $13.3M to $15.2M in fiscal year 2024.

Is Glen Burnie Bancorp profitable?

No, Glen Burnie Bancorp (GLBZ) reported a net income of -$112K in fiscal year 2024, with a net profit margin of -0.7%.

What is Glen Burnie Bancorp's net profit margin?

Glen Burnie Bancorp (GLBZ) had a net profit margin of -0.7% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Glen Burnie Bancorp pay dividends?

Yes, Glen Burnie Bancorp (GLBZ) paid $0.20 per share in dividends during fiscal year 2024.

What is Glen Burnie Bancorp's return on equity (ROE)?

Glen Burnie Bancorp (GLBZ) has a return on equity of -0.6% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Glen Burnie Bancorp's free cash flow?

Glen Burnie Bancorp (GLBZ) recorded an outflow of $53K in free cash flow during fiscal year 2024. This represents a -104.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Glen Burnie Bancorp's operating cash flow?

Glen Burnie Bancorp (GLBZ) generated $28K in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Glen Burnie Bancorp's total assets?

Glen Burnie Bancorp (GLBZ) had $359.0M in total assets as of fiscal year 2024, including both current and long-term assets.

What are Glen Burnie Bancorp's capital expenditures?

Glen Burnie Bancorp (GLBZ) invested $81K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How many shares does Glen Burnie Bancorp have outstanding?

Glen Burnie Bancorp (GLBZ) had 3M shares outstanding as of fiscal year 2024.

What is Glen Burnie Bancorp's debt-to-equity ratio?

Glen Burnie Bancorp (GLBZ) had a debt-to-equity ratio of 19.15 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Glen Burnie Bancorp's return on assets (ROA)?

Glen Burnie Bancorp (GLBZ) had a return on assets of 0.0% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Glen Burnie Bancorp's Piotroski F-Score?

Glen Burnie Bancorp (GLBZ) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Glen Burnie Bancorp's earnings high quality?

Glen Burnie Bancorp (GLBZ) reported a net loss of $112K while generating $28K in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.