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Elmer Bancorp, Inc. (ELMA)

USD25.00 -1.00 (-3.85%)
US OTC Financial Services Banks - Regional
Address 10 South Main Street 8318
Elmer, NJ, US
CEO Brian W. Jones
IPO 1994-08-24
ISIN US2893671048

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Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD25.00 -1.00 (-3.85%)
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Volume Profile
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Liquidity & share structure
Average Volume
177
Beta
0.34
Free Float %
0.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.40% -4.35% +3.54% +10.20% +8.09% +12.55% +29.29% +27.76% +51.06% +12.95%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
25.00
DCF (Unlevered) 108.50 +334.0%
DCF (Levered) 150.36 +501.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.21
Distress
Piotroski F-Score
4 / 9
Average
Operational MOAT
  • Revenue growth
    +14.4% Q1'26: +17.3% (vs Q1'25)
  • EPS growth
    +15.6% Q1'26: -44.7% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +15.0% (vs Q1'25)
  • ROIC
    Q1'26: +16.6% (vs Q1'25)
  • Share dilution
    +0.2% Q1'26: +0.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.00× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.36) × ERP
WACC = 100% × Ke + 0% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 108.50 Current price: 25.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-22 B+ 3/5 4/5 3/5 3/5 1/5 3/5 4/5
2026-05-20 B+ 3/5 4/5 3/5 3/5 1/5 3/5 4/5
2026-05-19 B+ 3/5 4/5 3/5 3/5 1/5 3/5 4/5
2026-05-01 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-30 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-28 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-24 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5
2026-04-21 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
237.6K
OE per share TTM
0.21
Owner's Yield
0.83%
Maintenance CapEx ratio
7.27%
Maint CapEx / Avg PPE
23.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
355.0K
Shares Outstanding
1.15M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Brian W. Jones President, Chief Executive Officer & Director male
Cynthia L. Volk Executive VP, CFO, Secretary & Treasurer female
Kimberly S. Robinson Senior VP & Operating Officer female
Michael Madison Senior VP & Chief Lending Officer male
Robert A. Woodruff Jr. Vice Chairman of the Board male
Scott Boyer Chairman of the Board male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits