OTC · Banks - Regional

Elmer Bancorp, Inc. (ELMA) Stock

$27.00 +2.86% OTC: ELMA Financial Services

Elmer Bancorp, Inc. serves as the parent entity for The First National Bank of Elmer, delivering a comprehensive range of financial solutions to both commercial and individual clients.

Valuation

MetricValue
Price$27.00
Market Cap$31.09M
P/E Ratio10.98
P/B Ratio0.79
P/S Ratio1.50
EPS (TTM)$2.46
52-Week High$27.00
52-Week Low$21.50
Dividend Yield1.48%

Financials & Margins

MetricValue
ROE7.32%
ROA0.71%
ROCE1.76%
Gross Margin83.04%
Operating Margin33.97%
Net Margin13.62%
Debt/Equity0.00
Current Ratio0.00

Annual Financials (USD)

Metric20212022202320242025
Revenue$14.0M$15.0M$16.0M$19.0M$22.0M
Operating Profit$3.0M$4.0M$6.0M$4.0M$4.0M
Net Profit$2.0M$3.0M$3.0M$3.0M$3.0M
EPS$1.70$2.27$2.77$2.50$2.89
Op Margin19.5%24.8%38.2%19.9%19.2%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$376.0M$372.0M$365.0M$381.0M$409.0M
Total Liabilities$346.0M$342.0M$332.0M$345.0M$370.0M
Cash$4.0M$6.0M$39.0M$4.0M$46.0M
Borrowings$0$0$0$0$0

Latest News

Elmer Bancorp, Inc. Announces Second Quarter 2026 Financial Results Business Wire · Jul 30, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$2.0M$3.0M$4.0M$2.0M$3.0M
Investing Cash Flow$4.0M$-25.0M$-10.0M$-25.0M$-11.0M
Financing Cash Flow$44.0M$-4.0M$-10.0M$13.0M$24.0M
Net Cash Flow$50.0M$-27.0M$-16.0M$-9.0M$16.0M
Free Cash Flow$1.0M$2.0M$3.0M$2.0M$3.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-0.74
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y27.32%
Return 3Y50.82%
Return 5Y59.35%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AMFCAMB Financial Corp. $34.55 +0.14% 8.47 $30.75M 0.81%
BKUTKBank of Utica $630.51 +0.00% 4.85 $157.87M 3.09%
CNBZCNB Corporation $28.49 +0.00% 8.74 $34.49M 3.51%
EFSGEnterprise Financial Services Group, Inc. $32.00 +0.00% 9.52 $37.25M 1.78%
FSBHFSBH Corp. $16.66 +0.36% 21.64 $50.13M 0.00%

About Elmer Bancorp, Inc.

Elmer Bancorp, Inc. serves as the parent entity for The First National Bank of Elmer, delivering a comprehensive range of financial solutions to both commercial and individual clients. Its array of deposit products includes checking, money market, savings, NOW, Christmas club, and individual retirement accounts, alongside various certificates of deposit. For financing needs, the institution provides a diverse portfolio of lending options, such as loans for owner-occupied real estate, investment properties, and agricultural ventures, as well as financing for business expansion, vehicle purchases, term loans, and construction projects (including construction-to-permanent solutions). They also extend business lines of credit, letters of credit, and Small Business Administration (SBA) loans. Furthermore, the bank offers home equity loans, general lines of credit, residential and commercial mortgages, and consumer loans. Beyond traditional accounts and lending, Elmer Bancorp enhances its services with merchant processing, cash management tools, remote deposit capture, and electronic bill payments. Customers can also access mobile, text message, and online banking platforms, in addition to utilizing VISA check cards, debit cards, and credit cards. These offerings are accessible via a network of six full-service branch locations spread across Cumberland, Gloucester, and Salem Counties in New Jersey. Established in 1903, the corporation maintains its principal office in Elmer, New Jersey.

Elmer Bancorp, Inc. is headquartered in US.

Elmer Bancorp, Inc. (ELMA) stock trades at $27.00 with a market capitalization of $31.09M. The stock is valued at a price-to-earnings (P/E) ratio of 10.98, price-to-book of 0.79, price-to-sales of 1.50. Over the past 52 weeks the stock has ranged between $21.50 and $27.00, and currently trades at its 52-week high. It pays a dividend yielding 1.48%.

On profitability, Elmer Bancorp, Inc. generates a return on equity (ROE) of 7.32%, return on capital employed of 1.76%, an operating margin of 33.97%, a net profit margin of 13.62%.

Official website: www.elmerbank.com

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