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Elmer Bancorp
(OTC:ELMA)
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Rating:73Outperform
Price Target:
$29.00
▲(3.87% Upside)
Action:Reiterated
Date:08/25/26
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.
Positive Factors
Multi-year revenue growth
Sustained revenue expansion indicates improving business scale and customer activity. If maintained, the multi-year upward trend can support future earnings growth and strengthen the bank’s ability to absorb operating and funding pressures.
Negative Factors
Uneven free cash flow growth
Although cash generation is positive, fluctuations in operating and free cash flow make future internal funding less predictable. Persistent volatility could constrain capital planning and reduce the reliability of cash-based earnings support.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi-year revenue growth
Sustained revenue expansion indicates improving business scale and customer activity. If maintained, the multi-year upward trend can support future earnings growth and strengthen the bank’s ability to absorb operating and funding pressures.
Read all positive factors
Elmer Bancorp (ELMA) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$34.05M
Dividend Yield2.32%
Average Volume (3M)354.00
Price to Earnings (P/E)10.3
Beta (1Y)-0.02
Revenue Growth4.80%
EPS Growth-11.01%
CountryUS
Employees12
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.52
Shares Outstanding1,219,680
10 Day Avg. Volume266
30 Day Avg. Volume354
Financial Highlights & Ratios
PEG Ratio0.51
Price to Book (P/B)0.67
Price to Sales (P/S)1.19
P/FCF Ratio9.17
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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,...
Elmer Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
82
Very Positive
Cash Flow
74
Positive
| 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 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 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 | 0.00 | 2.87M | 2.12M | 3.08M | 2.12M | 1.24M |
| Operating Cash Flow | 0.00 | 3.25M | 2.40M | 3.58M | 2.73M | 1.73M |
| Investing Cash Flow | 0.00 | -10.95M | -24.23M | -9.04M | -24.88M | 4.40M |
| Financing Cash Flow | 0.00 | 23.87M | 12.82M | -11.03M | -4.66M | 43.68M |
Elmer Bancorp Technical Analysis
Negative
27.92
Price Trends
26.81
Negative
25.86
Positive
24.45
Positive
Market Momentum
0.13
Positive
42.75
Neutral
39.81
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ELMA, the sentiment is Negative. The current price of 27.92 is above the 20-day moving average (MA) of 27.92, above the 50-day MA of 26.81, and above the 200-day MA of 24.45, indicating a neutral trend. The MACD of 0.13 indicates Positive momentum. The RSI at 42.75 is Neutral, neither overbought nor oversold. The STOCH value of 39.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for ELMA.
Elmer Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $34.05M | 10.32 | 7.32% | 2.28% | 4.80% | -11.01% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $51.27M | 25.05 | 3.86% | ― | 8.66% | 958.30% | |
55 Neutral | $196.56M | -0.45 | -63.67% | 1.33% | -35.76% | -909.39% | |
52 Neutral | $13.17M | -83.02 | -0.48% | ― | 13.37% | -600.93% |
* Financial Sector Average
ELMA
Elmer Bancorp
26.56
4.98
23.10%
CARV
Carver Bancorp
1.65
-0.06
-3.51%
GLBZ
Glen Burnie Bancorp
4.51
0.39
9.47%
KFFB
Kentucky First Federal Bancorp
5.91
2.59
78.01%
BAFN
BayFirst Financial Corp
6.74
-2.70
-28.65%
MBBC
Marathon Bancorp
15.25
4.89
47.15%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.