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Elmer Bancorp Inc (ELMA) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Elmer Bancorp Inc stock $30.92, price $26.60, upside +16.2%, quality 55 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

EB Elmer Bancorp Inc logo Some data Nov 3, 2026

Elmer Bancorp Inc

ELMA · US
Undervalued, in an uptrend

The stock costs 14% less than our calculation considers fair.

Fair value $30.92 · Undervalued
Solidly profitable · 16.6% net margin (TTM)
Costs just 9.2 times its yearly profit.
Quality 55/100
Mixed Growth (revenue 5y +10.7 %/yr in USD)
Mixed vs. peers (6/12)
Moderate moat 53/100
Some data
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$29.00 $11.14 Fair Value $30.92 Jun 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.

How to read this chart

60‑month range $11.14 – $29.00 · fair‑value band $23.19 – $38.03 · the $26.60 price screens below the $30.92 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.

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Company profile

Elmer Bancorp, Inc. operates as the bank holding company for The First National Bank of Elmer that provides business and personal banking products and services in New Jersey.

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It offers demand deposits, savings, NOW, money market deposits, time deposits, certificates of deposit, and checking accounts; debit and credit cards; lines of credit, personal loans, cash secured, and vehicle purchase new or late model consumer loans; and home mortgage, construction mortgage, and home equity loans.

The company also provides commercial and industrial loans/term loans, commercial real estate loans, construction and land development loans, and small business administration loans; and safe deposit boxes. Elmer Bancorp, Inc. was founded in 1903 and is based in Elmer, New Jersey.

Stock analysis

Elmer Bancorp Inc (ELMA) currently trades at $26.60, while our model-based Fair Value estimate is $30.92, implying the stock looks roughly 14% undervalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of $31.57 per share, and 2 of the 6 models we run sit above the $26.60 price.

Bear case: the Dividend Discount group reads lowest at $9.30, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $23.19 (bear) to $38.03 (bull), the price of $26.60 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Elmer Bancorp Inc reported revenue of $22.1M in FY2025 versus $13.8M in FY2021, a compound +12.6%/yr. Reported net income was $3.3M in FY2025, compounding +14.1%/yr from FY2021.

Key figures

Market cap $30.6M Micro · P/E ratio 9.2 · P/S ratio 1.75 · EPS (TTM) $2.89 · Net margin 16.6% · Return on equity 7.5% · Return on assets (EBIT) 1.1% (5-year average) · Operating margin 24.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (medium confidence).

What moves the price

The share trades about 8% below its 52-week high and 21% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 16%, ELMA screens cheaper than that median.

Fair Value models

Bear $23.19 Fair Value $30.92 Bull $38.03
Price $26.60 · Upside +16.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.48 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $29.17 $31.57 $38.03 76
DDM Multi-Stage $4.80 $8.14 $10.91 66
Gordon GGM $4.80 $10.46 $17.57 65
All 6 models by family
Dividend Discount
Gordon GGM $4.80 $10.46 $17.57 65
DDM Multi-Stage $4.80 $8.14 $10.91 66
Multiples
P/E Multiple $27.96 $37.28 $46.60 63
P/B Multiple $18.41 $24.55 $30.69 55
Asset-Based
NCAV (Graham) $16.59 $22.22 $33.17 51
Economic Profit
Residual Income $29.17 $31.57 $38.03 76

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Quality Score breakdown

Overall quality 55/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 27
How much profit the company makes from its sales and capital
Quality Growth 48
Are margins and returns getting better?
Cashflow 59
Do the profits arrive as real cash?
Financial strength 38
Debt, balance sheet and risk of trouble
Investment 78
Does it invest with discipline instead of growing at any price?
Low Volatility 89
How calm the share price moves, does not count
Price momentum 50
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 69
Distance to the 52-week high, does not count
New shares 79
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 79/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+14.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.7%
Start year 2020 (pandemic)
Revenue growth 22 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.9%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+11.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.2%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.15% → 19%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 55 · Above median
Fair Value upside +16.2% · Top 25%
Profitability
Return on equity (12 months) 7.5% · Below median
Return on assets 0.8% · Below median
Net margin (12 months) 16.6% · Bottom 25%
Operating margin (12 months) 24.1% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 6.5% · Below median
Dividend yield (12 months) 0.0% · Bottom 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 9.2× · Cheaper than median
P/B 0.78× · Cheapest 25%
P/S (12 months) 1.75× · Cheapest 25%
Price / free cash flow (fiscal year) 10.7× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)55 · sector 8
FUTURE (revenue growth)33 · sector 47
PAST (return on equity)30 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs ELMA
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs ELMA
BNP Paribas SA BNP €91.93 €106.01 +15% vs ELMA
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs ELMA
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs ELMA
UniCredit S.p.A UCG €76.80 €50.44 −34% vs ELMA
Mizuho Financial Group MFG $9.40 $5.89 −37% vs ELMA
DBS Group D05 69.72 SGD 40.39 SGD −42% vs ELMA
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs ELMA
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs ELMA

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Elmer Bancorp Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Elmer Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/ELMA

Frequently asked questions

Is Elmer Bancorp Inc (ELMA) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of $30.92 versus a price of $26.60, about +16% upside (undervalued).
What is the fair value of ELMA?
Our model-based fair value for Elmer Bancorp Inc is $30.92 (as of Nov 3, 2026), built from audited fundamentals. The current price: $26.60.
What is the quality score of ELMA?
Elmer Bancorp Inc has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Elmer Bancorp Inc (ELMA)?
Our model-based price target is the fair value of $30.92 (as of Nov 3, 2026) from 6 valuation models. Cautious scenario $23.19, optimistic scenario $38.03. It is a calculation from audited fundamentals, not an analyst target.
What is the Elmer Bancorp Inc stock forecast for 2026?
Our models put fair value at $30.92, about +16% upside versus a price of $26.60 (undervalued). Cautious scenario $23.19, optimistic scenario $38.03. The calculation is refreshed regularly with new filings.
What is the revenue of Elmer Bancorp Inc (ELMA)?
Elmer Bancorp Inc reported trailing-twelve-month revenue of about $17.5M (latest available figure, as of Nov 3, 2026).
What is the intrinsic value of Elmer Bancorp Inc (ELMA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Elmer Bancorp Inc it is $30.92 per share (as of Nov 3, 2026), against a price of $26.60. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Elmer Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 3, 2026, ELMA trades below its calculated fair value: price $26.60, fair value $30.92, a gap of about +16% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ELMA?
No. The price is what the market pays today ($26.60); the fair value is what the company's own numbers justify ($30.92). For Elmer Bancorp Inc the two are $4.32 per share apart. That gap is exactly why we show both numbers side by side.
How much is Elmer Bancorp Inc worth?
The market values Elmer Bancorp Inc at about $30.6M (market capitalisation, as of Nov 3, 2026). Per share that is $26.60; our models calculate a fair value of $30.92 per share.
What do the bullish and bearish scenarios say about ELMA?
Our models span a range for Elmer Bancorp Inc: cautious scenario $23.19, base $30.92, optimistic $38.03 per share (as of Nov 3, 2026, price $26.60). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ELMA?
Elmer Bancorp Inc trades at a price-to-earnings ratio of 9.2 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $30.92 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2006 to 2025), reported earnings: 10.8. Other multiples: P/B 0.8, P/S 1.8.
How solid is the balance sheet of Elmer Bancorp Inc (ELMA)?
Balance-sheet figures for Elmer Bancorp Inc (as of Nov 3, 2026): return on equity 7.5%. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is ELMA from its 52-week high?
Elmer Bancorp Inc trades at $26.60, about 8% below its 52-week high of $29.00 and 21% above the low of $21.95 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $30.92 is for.
Which stocks are comparable to Elmer Bancorp Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Elmer Bancorp Inc stock attractive at the current price?
The data as of Nov 3, 2026: price $26.60, calculated fair value $30.92 (+16%), Quality Score 55/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ELMA calculated?
We run Elmer Bancorp Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $30.92 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Elmer Bancorp Inc currently trades 14% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Elmer Bancorp Inc (ELMA)?
The closing price on Nov 6, 2026 was $26.60. Our model-based fair value is $30.92, about +16% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Elmer Bancorp Inc right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.

Key figures of Elmer Bancorp Inc

How large is the market capitalisation of Elmer Bancorp Inc (ELMA)?
The market capitalisation of Elmer Bancorp Inc is $30.6M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Elmer Bancorp Inc (ELMA)?
The price-to-sales ratio of Elmer Bancorp Inc is 1.75 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Elmer Bancorp Inc (ELMA)?
Earnings per share at Elmer Bancorp Inc are $2.89 (price ÷ EPS = P/E 9.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Elmer Bancorp Inc (ELMA)?
The net margin of Elmer Bancorp Inc is 16.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Elmer Bancorp Inc (ELMA)?
The return on equity (ROE) of Elmer Bancorp Inc is 7.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Elmer Bancorp Inc (ELMA)?
On an EBIT basis the return on assets of Elmer Bancorp Inc is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Elmer Bancorp Inc (ELMA)?
The operating margin of Elmer Bancorp Inc is 24.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Elmer Bancorp Inc (ELMA)?
Revenue at Elmer Bancorp Inc is growing +6.5% versus a year earlier (3y avg +14.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Elmer Bancorp Inc (ELMA)?
Earnings per share at Elmer Bancorp Inc are growing +9.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Elmer Bancorp Inc (ELMA) generate?
The free cash flow of Elmer Bancorp Inc is $2.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Elmer Bancorp Inc (ELMA) hold?
Elmer Bancorp Inc holds more cash than debt, $46.4M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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