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Elmer Bancorp Inc (ELMA)
OTHER OTC:ELMA
US Market
ELMA
Elmer Bancorp
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Elmer Bancorp (ELMA) Ratios

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Elmer Bancorp Ratios

ELMA's free cash flow for Q2 2026 was $0.81. For the 2026 fiscal year, ELMA's free cash flow was decreased by $ and operating cash flow was $0.19. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.00 0.02 0.26 0.02
Quick Ratio
 0.00 0.00 0.02 0.26 0.02
Cash Ratio
 0.00 0.00 0.01 0.26 0.02
Solvency Ratio
 <0.01 0.01 <0.01 >-0.01 <0.01
Operating Cash Flow Ratio
 0.00 0.00 <0.01 0.02 <0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -327.23M$ -322.93M$ -339.90M$ -292.61M$ -335.62M
Leverage Ratios
Debt-to-Assets Ratio
 0.00 0.00 0.00 0.00 0.00
Debt-to-Equity Ratio
 0.00 0.00 0.00 0.00 0.00
Debt-to-Capital Ratio
 0.00 0.00 0.00 0.00 0.00
Long-Term Debt-to-Capital Ratio
 0.00 0.00 0.00 0.00 0.00
Financial Leverage Ratio
 10.16 10.48 10.76 11.14 12.68
Debt Service Coverage Ratio
 0.89 0.83 0.87 -1.11 3.78
Interest Coverage Ratio
 1.20 0.95 1.05 4.40 4.72
Debt to Market Cap
 0.00 0.00 0.00 0.00 0.00
Interest Debt Per Share
 2.82 3.93 3.23 1.21 0.67
Net Debt to EBITDA
 -10.11 -9.91 -1.07 143.18 -1.49
Profitability Margins
Gross Profit Margin
79.22%78.97%80.96%100.00%94.75%
EBIT Margin
17.61%19.23%19.90%27.83%24.78%
EBITDA Margin
17.61%21.15%21.78%-1.71%26.78%
Operating Profit Margin
17.61%19.23%19.90%38.23%24.78%
Pretax Profit Margin
17.61%19.23%19.90%27.83%24.78%
Net Profit Margin
13.11%14.91%14.72%19.86%17.83%
Continuous Operations Profit Margin
13.11%14.91%14.72%19.86%17.83%
Net Income Per EBT
74.46%77.51%73.98%71.37%71.97%
EBT Per EBIT
100.00%100.00%100.00%72.81%100.00%
Return on Assets (ROA)
0.71%0.81%0.75%0.87%0.70%
Return on Equity (ROE)
7.37%8.46%8.06%9.72%8.89%
Return on Capital Employed (ROCE)
0.95%1.04%10.39%2.87%11.61%
Return on Invested Capital (ROIC)
0.71%0.81%7.69%2.07%8.35%
Return on Tangible Assets
0.71%0.81%0.75%0.87%0.70%
Earnings Yield
9.39%12.56%11.25%14.39%12.48%
Efficiency Ratios
Receivables Turnover
 20.42 21.74 20.40 19.20 18.85
Payables Turnover
 0.00 0.00 19.41 >-0.01 35.10
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 5.97 5.95 5.14 4.17 3.69
Asset Turnover
 0.05 0.05 0.05 0.04 0.04
Working Capital Turnover Ratio
 0.67 -0.15 -0.09 -0.07 -0.04
Cash Conversion Cycle
 17.87 16.79 -0.92 195.81K 8.97
Days of Sales Outstanding
 17.87 16.79 17.89 19.01 19.37
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 18.81 -195.79K 10.40
Operating Cycle
 17.87 16.79 17.89 19.01 19.37
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 2.84 2.11 3.12 2.38
Free Cash Flow Per Share
 0.00 2.51 1.85 2.68 1.85
CapEx Per Share
 0.00 0.33 0.25 0.44 0.53
Free Cash Flow to Operating Cash Flow
 0.00 0.88 0.88 0.86 0.78
Dividend Paid and CapEx Coverage Ratio
 0.00 3.39 2.79 3.26 2.56
Capital Expenditure Coverage Ratio
 0.00 8.49 8.31 7.16 4.49
Operating Cash Flow Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow to Sales Ratio
 0.00 0.15 0.12 0.22 0.19
Free Cash Flow Yield
0.00%10.90%8.35%13.94%10.18%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.65 7.96 8.88 6.95 8.01
Price-to-Sales (P/S) Ratio
 1.40 1.19 1.31 1.38 1.43
Price-to-Book (P/B) Ratio
 0.77 0.67 0.72 0.68 0.71
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 9.17 11.98 7.17 9.83
Price-to-Operating Cash Flow Ratio
 0.00 8.09 10.54 6.17 7.64
Price-to-Earnings Growth (PEG) Ratio
 -0.97 0.51 -0.91 0.32 0.24
Price-to-Fair Value
 0.77 0.67 0.72 0.68 0.71
Enterprise Value Multiple
 -2.17 -4.29 4.94 62.53 3.84
Enterprise Value
 -8.43M -20.12M 20.83M -17.14M 15.02M
EV to EBITDA
 -2.17 -4.29 4.94 62.53 3.84
EV to Sales
 -0.38 -0.91 1.08 -1.07 1.03
EV to Free Cash Flow
 0.00 -7.02 9.85 -5.56 7.08
EV to Operating Cash Flow
 0.00 -6.19 8.67 -4.78 5.50
Tangible Book Value Per Share
 34.94 34.14 31.01 28.49 25.53
Shareholders’ Equity Per Share
 34.94 34.14 31.01 28.49 25.53
Tax and Other Ratios
Effective Tax Rate
 0.26 0.22 0.26 0.29 0.28
Revenue Per Share
 19.22 19.36 16.97 13.95 12.73
Net Income Per Share
 2.52 2.89 2.50 2.77 2.27
Tax Burden
 0.74 0.78 0.74 0.71 0.72
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.41 0.02 0.02 0.03
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 0.00 0.98 0.84 1.13 1.05
Currency in USD