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Elmer Bancorp, Inc (ELMA) Fair Value & Analysis

Financial Services · US · Market cap $28.6M

Price$24.85
Fair Value$37.28
Upside+50.0%
Quality95/100
Evidence: High Range $27.96 – $46.60

Fair value as of: Jun 26, 2026

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Analysis

Elmer Bancorp, Inc (ELMA) currently trades at $24.85, while our model-based Fair Value estimate is $37.28 — implying the stock looks roughly 50.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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. 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.

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Frequently asked questions

Is Elmer Bancorp, Inc (ELMA) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $37.28 versus a price of $24.85 — about +50% (undervalued). Model-based estimate, not financial advice.
What is the fair value of ELMA?
Our 21-model fair value for Elmer Bancorp, Inc is $37.28 (as of Jun 26, 2026), built from audited fundamentals. The current price is $24.85.
What is the quality score of ELMA?
Elmer Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.