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Elmer Bancorp (ELMA) AI Stock Analysis
Elmer Bancorp
(Other OTC:ELMA)
ELMA scores well primarily due to solid financial fundamentals (strong recent revenue acceleration, positive profitability, and a conservative no-debt balance sheet) and supportive valuation (low P/E with a dividend). The score is tempered by mixed technicals, with near-term weakness (below 20/50-day averages and low RSI) despite longer-term trend support above the 100/200-day averages.
Elmer Bancorp (ELMA) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $29.72M
- Dividend Yield
- 2.33%
- Average Volume (3M)
- 1,024
- Price to Earnings (P/E)
- 10.2
- Beta (1Y)
- -0.01
- Revenue Growth
- 4.80%
- EPS Growth
- -11.01%
- Country
- US
- Employees
- 12
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Elmer Bancorp Business Overview & Revenue Model
Company 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, sa...
Elmer Bancorp Financial Statement Overview
Summary
Strong multi-year revenue growth with improving profitability in 2024–2025 and a very conservative balance sheet (no reported debt, rising equity). Offsetting factors include some profit-quality/consistency concerns (notable 2023 volatility) and uneven free-cash-flow growth despite generally supportive cash conversion.
Income Statement
78PositiveBalance Sheet
82Very PositiveCash Flow
74Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 22.08M | 22.15M | 19.36M | 16.02M | 14.60M | 13.77M |
| Gross Profit | 17.49M | 17.49M | 15.68M | 16.02M | 13.84M | 12.91M |
| EBITDA | 3.89M | 4.69M | 4.22M | 4.80M | 3.91M | 2.94M |
| Net Income | 2.90M | 3.30M | 2.85M | 3.18M | 2.60M | 1.95M |
Balance Sheet | ||||||
| Total Assets | 407.78M | 409.42M | 380.73M | 364.58M | 371.53M | 375.69M |
| Cash, Cash Equivalents and Short-Term Investments | 39.33M | 46.42M | 4.50M | 39.25M | 5.84M | 4.06M |
| Total Debt | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Liabilities | 367.64M | 370.37M | 345.34M | 331.86M | 342.23M | 346.23M |
| Stockholders Equity | 40.14M | 39.05M | 35.38M | 32.72M | 29.30M | 29.47M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 2.87M | 2.12M | 3.08M | 2.12M | 1.24M |
| Operating Cash Flow | 0 | 3.25M | 2.40M | 3.58M | 2.73M | 1.73M |
| Investing Cash Flow | 0 | -10.95M | -24.23M | -9.04M | -24.88M | 4.40M |
| Financing Cash Flow | 0 | 23.87M | 12.82M | -11.03M | -4.66M | 43.68M |
Elmer Bancorp Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ELMA, the sentiment is Neutral. The current price of 26.00 is above the 20-day moving average (MA) of 25.63, below the 50-day MA of 26.54, and above the 200-day MA of 25.22, indicating a neutral trend. The MACD of -0.19 indicates Negative momentum. The RSI at 44.27 is Neutral, neither overbought nor oversold. The STOCH value of 71.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ELMA.
Elmer Bancorp Peers Comparison
Overall Rating
- ELMA73Outperform
KFFB62Neutral
BAFN52Neutral
GLBZ52Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ELMA | 73Outperform | $29.89M | 10.24 | 7.37% | 2.33% | 4.80% | -11.01% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| KFFB | 62Neutral | $43.18M | 22.64 | 3.86% | 0.94% | 8.69% | 958.30% |
| BAFN | 52Neutral | $156.38M | -0.55 | -42.84% | ― | -40.59% | -260.03% |
| GLBZ | 52Neutral | $12.19M | -154.13 | -0.39% | ― | 17.13% | -395.56% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| ELMA | Elmer Bancorp | 25.80 | 3.66 | 16.55% | |
| CARV | Carver Bancorp | 1.85 | -1.14 | -38.13% | |
| GLBZ | Glen Burnie | 4.17 | -0.52 | -10.98% | |
| KFFB | Kentucky First Federal | 5.34 | 1.39 | 35.29% | |
| BAFN | BayFirst Financial Corp | 5.80 | -3.50 | -37.63% | |
| MBBC | Marathon Bancorp, Inc. | 14.44 | 3.50 | 31.95% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 25, 2026