ELMA (Elmer Bancorp) Cyclically Adjusted Revenue per Share: $13.84 (As of Dec. 2025)


ELMA Elmer Bancorp Inc ELMA
76 GF Score
Price $25.50
GF Value $25.10
Valuation Fairly Valued
! 3 Warning Signs
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What is Elmer Bancorp Cyclically Adjusted Revenue per Share?

Elmer Bancorp ELMA 76 Cyclically Adjusted Revenue per Share is $13.84 as of Dec. 2025. GuruFocus rates ELMA with a GF Score™ of 76/100 and a GF Value™ of $25.10 (Fairly Valued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Elmer Bancorp's adjusted revenue per share data for the fiscal year that ended in Dec. 2025 was $15.427. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $13.84 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Elmer Bancorp's average Cyclically Adjusted Revenue Growth Rate was 3.60% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 3.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Elmer Bancorp was 3.60% per year. The lowest was 3.60% per year. And the median was 3.60% per year.

As of today (2026-07-12), Elmer Bancorp's current stock price is $ 25.50. Elmer Bancorp's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec. 2025 was $13.84. Elmer Bancorp's Cyclically Adjusted PS Ratio of today is 1.84.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Elmer Bancorp was 1.86. The lowest was 1.43. And the median was 1.60.


Elmer Bancorp  (OTCPK:ELMA) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Elmer Bancorp's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=25.50/13.84
=1.84

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Elmer Bancorp was 1.86. The lowest was 1.43. And the median was 1.60.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Elmer Bancorp Cyclically Adjusted Revenue per Share Related Terms


Elmer Bancorp Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Elmer Bancorp's Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share Chart

Elmer Bancorp Annual Data
Trend Dec06 Dec07 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 12.45 12.95 13.36 13.84

Elmer Bancorp Semi-Annual Data
Dec03 Dec04 Dec05 Dec06 Dec07 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 12.45 12.95 13.36 13.84

ELMA vs CNBZ, VWFB, CDAB: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Elmer Bancorp's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Elmer Bancorp Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Elmer Bancorp's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Elmer Bancorp's Cyclically Adjusted PS Ratio falls into.


ELMA
76GF Score
Elmer Bancorp Inc ELMA
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Elmer Bancorp Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Elmer Bancorp's adjusted Revenue per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_RevenuePerShare=Revenue per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=15.427/324.0540*324.0540
=15.427

Current CPI (Dec. 2025) = 324.0540.

Elmer Bancorp Annual Data

Revenue per Share CPI Adj_RevenuePerShare
200612 8.727 201.800 14.014
200712 8.556 210.036 13.201
201812 10.743 251.233 13.857
201912 10.639 256.974 13.416
202012 10.828 260.474 13.471
202112 11.242 278.802 13.067
202212 12.044 296.797 13.150
202312 13.944 306.746 14.731
202412 13.728 315.605 14.096
202512 15.427 324.054 15.427

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $13.84 mean?
Elmer Bancorp (ELMA) has a Cyclically Adjusted Revenue per Share of $13.84 as of Dec. 2025. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Elmer Bancorp and its competitors.
Is Elmer Bancorp's Cyclically Adjusted Revenue per Share too high?
Elmer Bancorp's current Cyclically Adjusted Revenue per Share is $13.84. Overall, Elmer Bancorp has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Elmer Bancorp's Cyclically Adjusted Revenue per Share compare to CNBZ and VWFB?
Elmer Bancorp's Cyclically Adjusted Revenue per Share of $13.84 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 Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Elmer Bancorp and its competitors. Elmer Bancorp's current Cyclically Adjusted Revenue per Share is $13.84. 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 $25.10, compared to a current price of $25.50 — trading 1.6% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $13.84. Elmer Bancorp's overall GF Score™ is 76/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current Cyclically Adjusted Revenue per Share is $13.84 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 $25.50 is trading 1.6% above its estimated GF Value™ of $25.10. GuruFocus considers Elmer Bancorp to be Fairly Valued.

Key valuation signals for ELMA:

  • Cyclically Adjusted Revenue per Share: $13.84
  • GF Value™: $25.10 vs. price of $25.50 (1.6% above fair value)
  • GF Score™: 76/100 with 3 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.
76GF Score

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Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.50
Price
$25.10
GF Value