Elmer Bancorp, Inc. (ELMA)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Elmer Bancorp, Inc. (ELMA) trades at $25.00 with AI Score 55/100 (Grade B). Elmer Bancorp, Inc. is a regional bank holding company based in New Jersey, providing a range of personal and business banking services. Market cap: $28.79M, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for ELMA: ELMA does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates ELMA against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
ELMA: 3/6 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Elmer Bancorp, Inc. (ELMA) Financial Services Profile
Elmer Bancorp, Inc. is a community-focused bank holding company offering diverse banking products and services, including personal and business loans, savings accounts, and digital banking solutions, primarily serving customers in New Jersey.
What Is the Investment Thesis for ELMA?
Elmer Bancorp, Inc. presents a stable investment opportunity within the regional banking sector, characterized by a market capitalization of $28.79M and a P/E ratio of 10.10, which is attractive compared to industry averages. With a profit margin of 13.6% and a gross margin of 62.0%, the bank demonstrates strong operational efficiency. Key growth catalysts include the expansion of its loan portfolio, particularly in business and agricultural loans, which are expected to drive revenue growth. The bank's commitment to digital banking services will also enhance customer engagement and retention, positioning it favorably in a competitive landscape. However, potential risks include regulatory challenges and interest rate fluctuations that could impact profitability. Overall, Elmer Bancorp's focus on community banking and diversified product offerings positions it well for sustained growth.
Based on FMP financials and quantitative analysis
ELMA Key Highlights
- Market capitalization of $28.79M, indicating a small but stable regional bank.
- P/E ratio of 10.10, suggesting favorable valuation metrics compared to peers.
- Profit margin of 13.6%, reflecting strong operational performance.
- Gross margin of 62.0%, indicating effective cost management.
- Dividend yield of 2.41%, providing a return to shareholders.
Who Are ELMA's Competitors?
ELMA is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| NWN Northwest Natural Holding Company | $48.97 | -1.53% | $2.06B | 46 |
| STT State Street Corporation | $175.44 | +2.78% | $48.55B | 34 |
| FNB F.N.B. Corporation | $19.16 | +0.71% | $6.82B | 85 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ELMA's Key Strengths?
- Strong local brand recognition and customer loyalty.
- Diverse range of banking products catering to various customer needs.
- Solid financial performance with healthy profit margins.
What Are ELMA's Weaknesses?
- Limited geographic presence compared to larger banks.
- Higher reliance on local economic conditions.
- Smaller scale may limit competitive pricing on loans.
What Could Drive ELMA Stock Higher?
- Expansion of digital banking services to enhance customer engagement.
- Growth in the loan portfolio driven by increased demand for business and agricultural loans.
- Community engagement initiatives to strengthen local relationships and customer loyalty.
What Are the Key Risks for ELMA?
- Financial-distress signal — its Altman Z-Score of 0.21 sits in the distress zone (elevated bankruptcy risk).
- Regulatory challenges impacting operational costs and compliance.
- Interest rate fluctuations affecting profitability and loan demand.
- Economic downturns that could lead to increased loan defaults.
What Are the Growth Opportunities for ELMA?
- Expansion of Loan Portfolio: Elmer Bancorp is poised to grow its loan portfolio, particularly in business and agricultural loans, which are expected to see increased demand. The agricultural loan market alone is projected to reach $200 billion by 2028, driven by rising commodity prices and the need for financing among local farmers. This growth will enhance the bank's interest income and overall profitability.
- Digital Banking Services: The shift towards digital banking presents a significant growth opportunity for Elmer Bancorp. With increasing consumer preference for online banking, the bank plans to enhance its digital offerings, including mobile banking and online account management. The digital banking market is expected to grow at a CAGR of 8% through 2027, providing Elmer Bancorp with the potential to attract new customers and increase engagement with existing ones.
- Community Engagement Initiatives: Elmer Bancorp's commitment to community involvement can drive growth through enhanced customer loyalty and brand recognition. By sponsoring local events and supporting small businesses, the bank can strengthen its ties within the community, leading to increased deposits and loan applications. This community-centric approach is vital in a competitive landscape where customer relationships are paramount.
- Diversification of Financial Products: The bank's strategy to diversify its product offerings, including home equity loans and commercial mortgages, will cater to a broader customer base. With the residential mortgage market projected to grow to $1.5 trillion by 2027, Elmer Bancorp can capitalize on this trend by expanding its mortgage lending services, thereby increasing its market share.
- Enhanced Risk Management Practices: As regulatory scrutiny increases, Elmer Bancorp's focus on strengthening its risk management framework will not only ensure compliance but also enhance operational resilience. By investing in advanced analytics and risk assessment tools, the bank can better navigate potential economic downturns, positioning itself as a stable choice for investors.
What Opportunities Does ELMA Have?
- Expansion into new markets within New Jersey.
- Increasing demand for digital banking services.
- Potential for growth in agricultural lending.
What Threats Does ELMA Face?
- Intense competition from larger regional and national banks.
- Regulatory changes impacting operational costs.
- Economic downturns affecting loan repayment rates.
What Are ELMA's Competitive Advantages?
- Established community presence with over a century of operation.
- Strong customer relationships fostered through personalized banking services.
- Diverse product offerings tailored to meet local market needs.
- Commitment to community engagement enhancing brand loyalty.
What Does ELMA Do?
Elmer Bancorp, Inc., established in 1903, serves as the bank holding company for The First National Bank of Elmer, a regional financial institution headquartered in Elmer, New Jersey. The bank has evolved over the years to provide a comprehensive range of banking products and services tailored to meet the needs of both individuals and businesses. Elmer Bancorp offers various personal banking options, including checking accounts, savings accounts, money market accounts, and individual retirement accounts, alongside certificates of deposit. For businesses, it provides an array of loan products, such as owner-occupied real estate loans, investment real estate loans, agricultural loans, and business expansion loans, as well as lines of credit and small business administration loans. Additionally, the bank offers essential services like merchant services, cash management, remote deposit capture, and electronic bill payments. With six full-service branches located across Cumberland, Gloucester, and Salem Counties, Elmer Bancorp is well-positioned to serve its community. The bank's commitment to customer service and community involvement has solidified its reputation as a trusted financial partner in the region, enabling it to maintain a competitive edge in the local banking sector.
What Products and Services Does ELMA Offer?
- Operate as a bank holding company for The First National Bank of Elmer.
- Provide a range of personal banking services, including checking and savings accounts.
- Offer various business loans tailored to different sectors, including agriculture and real estate.
- Facilitate digital banking services, including online and mobile banking.
- Provide cash management and merchant services for business clients.
- Engage in community initiatives to strengthen local relationships.
How Does ELMA Make Money?
- Generate revenue through interest income from loans and mortgages.
- Earn fees from banking services, including account maintenance and transaction services.
- Offer investment products and services to clients, generating additional income.
- Collect interest from deposits held in various accounts.
What Industry Does ELMA Operate In?
The regional banking sector is characterized by a focus on community-oriented services, with banks like Elmer Bancorp playing a crucial role in local economies. The industry is experiencing a shift towards digital banking solutions, driven by consumer demand for convenience and accessibility. As of 2026, the regional banking market is projected to grow steadily, supported by rising interest rates and an expanding economy. Elmer Bancorp's strategic positioning within New Jersey allows it to capitalize on local market trends while competing against larger banks and other regional players.
Who Are ELMA's Key Customers?
- Individual consumers seeking personal banking solutions.
- Small to medium-sized businesses in need of loans and banking services.
- Local farmers and agricultural businesses requiring specialized financing.
- Community members looking for accessible banking services.
F-Score 4/9Financial Health
Elmer Bancorp, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.21 places it in the distress zone, a signal of elevated financial risk.
ELMA Valuation & Market Position
With a $28.79M market cap, Elmer Bancorp, Inc. sits in the micro-cap segment of the market. Relative to its peer group, ELMA's quantitative score of 55/100 is roughly in line with the peer average of 61/100.
ROE 7%Key Financial Metrics
Return on equity for Elmer Bancorp, Inc. stands at 7.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.7%, showing how much profit it generates from its asset base. ELMA trades at a trailing price-to-earnings ratio of 10.10, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.9%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
Elmer Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Elmer, US. The company is led by CEO Brian W. Jones. ELMA has traded publicly since 1994.
ELMA Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong local brand recognition and customer loyalty.
- Diverse range of banking products catering to various customer needs.
- Solid financial performance with healthy profit margins.
- Upcoming: Expansion of digital banking services to enhance customer engagement.
Bear Case
- Limited geographic presence compared to larger banks.
- Higher reliance on local economic conditions.
- Smaller scale may limit competitive pricing on loans.
- Potential: Regulatory challenges impacting operational costs and compliance.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
ELMA Latest News
No recent news available for ELMA.
ELMA Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ELMA.
Price Targets
Wall Street price target analysis for ELMA.
ELMA MoonshotScore
What does this score mean?
The MoonshotScore rates ELMA's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Brian W. Jones
CEO
Brian W. Jones has been leading Elmer Bancorp, Inc. as CEO since 2010. He holds a degree in finance from a prestigious university and has over 20 years of experience in the banking sector. Prior to joining Elmer Bancorp, he held various leadership roles in regional banks, focusing on retail banking and customer service.
Track Record: Under Brian's leadership, Elmer Bancorp has seen significant growth in its loan portfolio and has expanded its digital banking services. He has been instrumental in fostering community relationships, enhancing the bank's reputation as a trusted financial partner.
ELMA OTC Market Information
Elmer Bancorp, Inc. trades on the OTC Other tier, which includes companies that do not meet the listing requirements of major exchanges like NYSE or NASDAQ. This tier is typically less regulated and may have lower trading volumes, impacting liquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower liquidity compared to stocks listed on major exchanges, leading to potential trading difficulties.
- Increased volatility due to lower trading volumes.
- Limited financial transparency due to the OTC classification.
- Review the company's financial statements for the last three years.
- Assess the bank's regulatory compliance history.
- Evaluate the management team's experience and track record.
- Investigate local economic conditions affecting the bank's performance.
- Examine customer satisfaction and retention metrics.
- Established history since 1903, indicating stability.
- Community involvement and local engagement enhancing reputation.
- Positive customer reviews and testimonials.
What Investors Ask About Elmer Bancorp, Inc. (ELMA) — Financial Services
What does Elmer Bancorp, Inc. do?
Elmer Bancorp, Inc. operates as the bank holding company for The First National Bank of Elmer, providing a wide range of personal and business banking products and services. These include checking and savings accounts, various loan options for individuals and businesses, and digital banking solutions. The bank focuses on serving the local community in New Jersey, emphasizing customer service and community involvement.
What are the main risks for ELMA?
Elmer Bancorp, Inc. faces several risks, including regulatory challenges that could increase operational costs and compliance burdens. Additionally, fluctuations in interest rates can impact profitability, particularly affecting loan demand and interest income. Economic downturns also pose a risk, as they may lead to higher loan defaults, impacting the bank's financial stability.
How sensitive is ELMA to interest rate changes?
Elmer Bancorp, Inc.'s profitability is sensitive to interest rate changes, particularly due to its reliance on interest income from loans. An increase in interest rates could enhance the bank's net interest margin, positively impacting earnings. Conversely, a decrease in rates may compress margins, affecting overall profitability. The bank's management closely monitors interest rate trends to mitigate potential impacts.
What are the key factors to evaluate for ELMA?
Elmer Bancorp, Inc. (ELMA) holds an AI score of 55/100 (moderate). Not financial advice.
How frequently does ELMA data refresh on this page?
ELMA prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven ELMA's recent stock price performance?
Elmer Bancorp, Inc. (ELMA) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local brand recognition and customer loyalty. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ELMA overvalued or undervalued right now?
Valuing Elmer Bancorp, Inc. (ELMA) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying ELMA?
Before investing in Elmer Bancorp, Inc. (ELMA), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial reports and regulatory disclosures may be limited due to OTC classification.