ELMA Stock Overview

Operates as the bank holding company for The First National Bank of Elmer that provides various business and personal banking products and services in New Jersey. More details

ELMA fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	2/6

Rewards

Trading at 58% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($25M)

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Elmer Bancorp, Inc. Competitors

Security Bancorp

OTCPK:SCYT

US$25.8m

CBOA Financial

OTCPK:CBOF

US$23.5m

Farmers Bank of Appomattox

OTCPK:FBPA

US$24.6m

Community Capital Bancshares

OTCPK:ALBY

US$28.6m

Price History & Performance

Summary of share price highs, lows and changes for Elmer Bancorp
Historical stock prices
Current Share Price	US$22.20
52 Week High	US$22.20
52 Week Low	US$18.45
Beta	0.58
1 Month Change	2.07%
3 Month Change	3.26%
1 Year Change	19.42%
3 Year Change	20.00%
5 Year Change	12.41%
Change since IPO	97.33%

Recent updates

Shareholder Returns

	ELMA	US Banks	US Market
7D	0%	0.4%	-0.5%
1Y	19.4%	33.2%	23.2%

Return vs Industry: ELMA underperformed the US Banks industry which returned 30.7% over the past year.

Return vs Market: ELMA underperformed the US Market which returned 23% over the past year.

Price Volatility

Is ELMA's price volatile compared to industry and market?
ELMA volatility
ELMA Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.4%
10% most volatile stocks in US Market	18.6%
10% least volatile stocks in US Market	3.2%

Stable Share Price: ELMA's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine ELMA's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1903	n/a	Brian Jones	www.elmerbank.com

Elmer Bancorp, Inc. operates as the bank holding company for The First National Bank of Elmer that provides various business and personal banking products and services in New Jersey. It provides checking, savings, money market, NOW, Christmas club, and individual retirement accounts; and certificates of deposit. The company also offers business loans comprising owner occupied real estate, investment real estate, agricultural, business expansion, vehicle, term, construction, and construction to permanent loans, as well as business lines of credit and letters of credit; and small business administration loans, home equity loans and lines of credit, residential mortgages, consumer loans, and commercial mortgages.

Elmer Bancorp, Inc. Fundamentals Summary

How do Elmer Bancorp's earnings and revenue compare to its market cap?
ELMA fundamental statistics
Market cap	US$25.41m
Earnings (TTM)	US$2.77m
Revenue (TTM)	US$15.80m

9.2x

P/E Ratio

0.8x

P/B Ratio

Is ELMA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ELMA income statement (TTM)
Revenue	US$15.80m
Cost of Revenue	US$0
Gross Profit	US$15.80m
Other Expenses	US$13.03m
Earnings	US$2.77m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.42
Gross Margin	100.00%
Net Profit Margin	17.55%
Debt/Equity Ratio	0%

How did ELMA perform over the long term?

See historical performance and comparison

Dividends

1.8%

Current Dividend Yield

16%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/09 16:58
End of Day Share Price	2024/12/31 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Elmer Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution