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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Elmer Bancorp's Debt-to-Equity or its related term are showing as below:
ELMA's Debt-to-Equity is not ranked *
in the Banks industry.
Industry Median: 0.58 * Ranked among companies with meaningful Debt-to-Equity only.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Elmer Bancorp Debt-to-Equity Related Terms
Elmer Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Elmer Bancorp's Debt-to-Equity 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.
ELMA vs WVFC, PFSB, AMFC: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Elmer Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Elmer Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Elmer Bancorp's Debt-to-Equity falls into.
* 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 (ELMA) has a Debt-to-Equity of 0.00 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Elmer Bancorp and its competitors. According to the industry distribution chart, Elmer Bancorp ranks #999999 out of 1421 companies in the Banks industry.
Is Elmer Bancorp's Debt-to-Equity too high?
Elmer Bancorp's current Debt-to-Equity is 0.00. Based on the distribution chart, Elmer Bancorp ranks #999999 out of 1421 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Elmer Bancorp has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Elmer Bancorp's Debt-to-Equity compare to WVFC and PFSB?
According to the Banks industry distribution chart, Elmer Bancorp ranks #999999 out of 1421 companies for Debt-to-Equity. This places Elmer Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.58. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Elmer Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elmer Bancorp's current Debt-to-Equity is 0.00. 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 Modestly Overvalued. The stock's GF Value™ is $25.25, compared to a current price of $28.28 — trading 12% above its estimated fair value. The current Debt-to-Equity is 0.00. Elmer Bancorp's overall GF Score™ is 73/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current Debt-to-Equity is 0.00 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 $28.28 is trading 12% above its estimated GF Value™ of $25.25.
GuruFocus considers Elmer Bancorp to be Modestly Overvalued.
Key valuation signals for ELMA:
Debt-to-Equity: 0.00
GF Value™: $25.25 vs. price of $28.28 (12% above fair value)
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 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.
73GF Score
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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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