ELMA (Elmer Bancorp) Net Loan: $323.11 Mil (As of Dec. 2025)

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ELMA Elmer Bancorp Inc ELMA
75 GF Score
Price $27.00
GF Value $25.18
Valuation Fairly Valued
! 4 Warning Signs
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What is Elmer Bancorp Net Loan?

Elmer Bancorp ELMA 75 Net Loan is $323.11 Mil as of Dec. 2025. GuruFocus rates ELMA with a GF Score™ of 75/100 and a GF Value™ of $25.18 (Fairly Valued). The stock has 4 warning signs investors should review.

Elmer Bancorp's quarterly net loan increased from Dec. 2023 ($285.66 Mil) to Dec. 2024 ($310.33 Mil) and increased from Dec. 2024 ($310.33 Mil) to Dec. 2025 ($323.11 Mil).

Elmer Bancorp's annual net loan increased from Dec. 2023 ($285.66 Mil) to Dec. 2024 ($310.33 Mil) and increased from Dec. 2024 ($310.33 Mil) to Dec. 2025 ($323.11 Mil).

Elmer Bancorp Net Loan Historical Data

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The historical data trend for Elmer Bancorp's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Elmer Bancorp Net Loan Chart

Elmer Bancorp Annual Data
Trend Dec06 Dec07 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 249.46 274.51 285.66 310.33 323.11

Elmer Bancorp Semi-Annual Data
Dec03 Dec04 Dec05 Dec06 Dec07 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 249.46 274.51 285.66 310.33 323.11
ELMA
75GF Score
Elmer Bancorp Inc ELMA
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Elmer Bancorp Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $323.11 Mil mean?
Elmer Bancorp (ELMA) has a Net Loan of $323.11 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Elmer Bancorp and its competitors.
Is Elmer Bancorp's Net Loan too high?
Elmer Bancorp's current Net Loan is $323.11 Mil. Overall, Elmer Bancorp has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Elmer Bancorp's Net Loan compare to CNBZ and VWFB?
Elmer Bancorp's Net Loan of $323.11 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Elmer Bancorp and its competitors. Elmer Bancorp's current Net Loan is $323.11 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Elmer Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Elmer Bancorp (ELMA) is currently considered Fairly Valued. The stock's GF Value™ is $25.18, compared to a current price of $27.00 — trading 7.2% above its estimated fair value. The current Net Loan is $323.11 Mil. Elmer Bancorp's overall GF Score™ is 75/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current Net Loan is $323.11 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Elmer Bancorp (ELMA) Overvalued in 2026?

Based on GuruFocus' analysis, Elmer Bancorp stock appears to be overvalued. The current stock price of $27.00 is trading 7.2% above its estimated GF Value™ of $25.18. GuruFocus considers Elmer Bancorp to be Fairly Valued.

Key valuation signals for ELMA:

  • Net Loan: $323.11 Mil
  • GF Value™: $25.18 vs. price of $27.00 (7.2% above fair value)
  • GF Score™: 75/100 with 4 warning signs

No single metric tells the full story. See the ELMA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Elmer Bancorp Business Description

Address 10 South Main Street, Elmer, NJ, USA, 08318
Elmer Bancorp Inc operates as the bank holding company for The First National Bank of Elmer. The Bank operates under a national bank charter and provides a complete line of business and personal banking products. The bank operates through its six full-service offices located in Cumberland, Gloucester, and Salem counties in New Jersey. The majority of the Bank's activities are with customers located within Southern New Jersey.
75GF Score

Get the complete analysis for ELMA

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.00
Price
$25.18
GF Value