Actually, if you do some digging through the public bank records, Cecil Bank has drastically cut its quarterly loss since this time last year. For example, in the June 30, 2015 call report I believe they show a 1.3M net loss for Q2
Flash forward to the first quarter of this year and the loss was reduced to approx 400K. Now the latest report shows a loss Of just over 200K for Q2 2016.
Hopefully that's a trend. If so, this low stock price will be a gift going forward.