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Elmer Bancorp, Inc. ELMA

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Price alert · ELMA

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26.00 USD +0.19 +0.74%

As of Nov 2, 9:30 AM ET

26.00 Day range 26.00
22.20 52-week range 29.00
YTD
+13.09%
1 year
+15.30%
Open
26.00
Prev close
25.81
Mkt cap
29.94M
Vol
1.00K
Avg vol
275
EPS
2.89
P/E
9.00
More statistics
Low
26.00
High
26.00

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Financial health

Altman Z-Score

0.22 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 3
  • P/B 4

Valuation

P/E 8.0×
FY 2006: 14.7×FY 2007: 13.7×FY 2018: 10.7×FY 2019: 10.8×FY 2020: 11.7×FY 2021: 11.0×FY 2022: 8.0×FY 2023: 6.9×FY 2024: 8.9×FY 2025: 8.0×
FY 2006 5y median 8.0× FY 2025
P/S 1.2×
FY 2006: 2.3×FY 2007: 1.5×FY 2018: 1.5×FY 2019: 1.7×FY 2020: 1.3×FY 2021: 1.6×FY 2022: 1.4×FY 2023: 1.4×FY 2024: 1.3×FY 2025: 1.2×
FY 2006 5y median 1.4× FY 2025
P/B 0.7×
FY 2006: 2.0×FY 2007: 1.3×FY 2018: 0.8×FY 2019: 0.8×FY 2020: 0.6×FY 2021: 0.7×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.7×
FY 2006 5y median 0.7× FY 2025
P/FCF 9.2×
FY 2006: 0.0×FY 2007: 0.0×FY 2018: 8.8×FY 2019: 10.6×FY 2020: 49.2×FY 2021: 17.3×FY 2022: 9.8×FY 2023: 7.2×FY 2024: 12.0×FY 2025: 9.2×
FY 2006 5y median 9.8× FY 2025
EV/EBITDA -4.3×
FY 2006: 7.2×FY 2007: 6.7×FY 2018: 5.4×FY 2019: 6.1×FY 2020: 6.1×FY 2021: 5.9×FY 2022: 3.8×FY 2023: -3.6×FY 2024: 4.9×FY 2025: -4.3×
FY 2006 5y median 3.8× FY 2025
EV/Sales -0.9×
FY 2006: 1.9×FY 2007: 1.2×FY 2018: 1.1×FY 2019: 1.4×FY 2020: 1.0×FY 2021: 1.3×FY 2022: 1.0×FY 2023: -1.1×FY 2024: 1.1×FY 2025: -0.9×
FY 2006 5y median 1.0× FY 2025
FCF Yield 10.9%
FY 2006: 0.0%FY 2007: 0.0%FY 2018: 11.3%FY 2019: 9.4%FY 2020: 2.0%FY 2021: 5.8%FY 2022: 10.2%FY 2023: 13.9%FY 2024: 8.4%FY 2025: 10.9%
FY 2006 5y median 10.2% FY 2025

Profitability

Gross Margin 79.0%
FY 2006: 70.7%FY 2007: 66.5%FY 2018: 93.1%FY 2019: 92.0%FY 2020: 93.0%FY 2021: 93.7%FY 2022: 94.7%FY 2023: 100.0%FY 2024: 81.0%FY 2025: 79.0%
FY 2006 5y median 93.7% FY 2025
Operating Margin 19.2%
FY 2006: 26.1%FY 2007: 17.8%FY 2018: 19.2%FY 2019: 21.6%FY 2020: 15.0%FY 2021: 19.5%FY 2022: 24.8%FY 2023: 38.2%FY 2024: 19.9%FY 2025: 19.2%
FY 2006 5y median 19.9% FY 2025
Net Margin 14.9%
FY 2006: 15.7%FY 2007: 10.9%FY 2018: 14.0%FY 2019: 15.6%FY 2020: 11.0%FY 2021: 14.2%FY 2022: 17.8%FY 2023: 19.9%FY 2024: 14.7%FY 2025: 14.9%
FY 2006 5y median 14.9% FY 2025
ROE 8.5%
FY 2006: 13.3%FY 2007: 9.4%FY 2018: 7.3%FY 2019: 7.7%FY 2020: 5.2%FY 2021: 6.6%FY 2022: 8.9%FY 2023: 9.7%FY 2024: 8.1%FY 2025: 8.5%
FY 2006 5y median 8.5% FY 2025
ROIC 0.8%
FY 2006: 12.1%FY 2007: 7.6%FY 2018: 6.9%FY 2019: 1.2%FY 2020: 4.9%FY 2021: 6.3%FY 2022: 8.4%FY 2023: 2.1%FY 2024: 7.7%FY 2025: 0.8%
FY 2006 5y median 6.3% FY 2025
ROA 0.8%
FY 2006: 1.1%FY 2007: 0.8%FY 2018: 0.7%FY 2019: 0.7%FY 2020: 0.4%FY 2021: 0.5%FY 2022: 0.7%FY 2023: 0.9%FY 2024: 0.7%FY 2025: 0.8%
FY 2006 5y median 0.7% FY 2025

Growth (YoY)

Revenue 14.4%
FY 2006: 10.0%FY 2007: 3.6%FY 2018: 0.0%FY 2019: 0.3%FY 2020: 0.6%FY 2021: 3.1%FY 2022: 6.1%FY 2023: 9.7%FY 2024: 20.9%FY 2025: 14.4%
FY 2006 FY 2025
Operating Income 10.5%
FY 2006: 2.8%FY 2007: -29.2%FY 2018: 0.0%FY 2019: 12.6%FY 2020: -30.3%FY 2021: 34.1%FY 2022: 35.1%FY 2023: 69.2%FY 2024: -37.1%FY 2025: 10.5%
FY 2006 FY 2025
EPS (diluted) 15.6%
FY 2006: 2.7%FY 2007: -25.1%FY 2018: 0.0%FY 2019: 11.8%FY 2020: -28.9%FY 2021: 32.8%FY 2022: 33.5%FY 2023: 22.0%FY 2024: -9.7%FY 2025: 15.6%
FY 2006 FY 2025
Free Cash Flow 35.6%
FY 2006: 0.0%FY 2007: 0.0%FY 2018: 0.0%FY 2019: -5.9%FY 2020: -83.4%FY 2021: 254.3%FY 2022: 71.1%FY 2023: 45.2%FY 2024: -31.4%FY 2025: 35.6%
FY 2006 FY 2025

Financial Health

Current Ratio 0.0×
FY 2006: 0.0×FY 2007: 20.9×FY 2018: 0.0×FY 2019: 0.2×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.3×FY 2024: 0.0×FY 2025: 0.0×
FY 2006 5y median 0.0× FY 2025
Quick Ratio 0.0×
FY 2006: 0.0×FY 2007: 20.9×FY 2018: 0.0×FY 2019: 0.4×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.3×FY 2024: 0.0×FY 2025: 0.0×
FY 2006 5y median 0.0× FY 2025
Debt / Equity 0.0×
FY 2006: 0.0×FY 2007: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2006 5y median 0.0× FY 2025
Net Debt / EBITDA -9.9×
FY 2006: -1.6×FY 2007: -1.7×FY 2018: -1.7×FY 2019: -1.1×FY 2020: -1.6×FY 2021: -1.4×FY 2022: -1.5×FY 2023: -8.2×FY 2024: -1.1×FY 2025: -9.9×
FY 2006 5y median -1.5× FY 2025
Interest Coverage 0.9×
FY 2006: 0.9×FY 2007: 0.5×FY 2018: 2.8×FY 2019: 2.7×FY 2020: 2.1×FY 2021: 3.1×FY 2022: 4.7×FY 2023: 4.4×FY 2024: 1.0×FY 2025: 0.9×
FY 2006 5y median 3.1× FY 2025

Dividends

Dividend Yield 2.2%
FY 2006: 3.6%FY 2007: 5.4%FY 2018: 3.5%FY 2019: 3.1%FY 2020: 1.1%FY 2021: 2.0%FY 2022: 2.2%FY 2023: 2.7%FY 2024: 2.3%FY 2025: 2.2%
FY 2006 5y median 2.2% FY 2025
Payout Ratio 17.4%
FY 2006: 52.3%FY 2007: 73.4%FY 2018: 37.2%FY 2019: 33.3%FY 2020: 12.5%FY 2021: 21.8%FY 2022: 17.7%FY 2023: 18.8%FY 2024: 20.1%FY 2025: 17.4%
FY 2006 5y median 18.8% FY 2025

Annual · latest fiscal year ends 2025-12-31