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Elmer BancorpELMA 74 Equity-to-Asset is 0.10 as of Dec. 2025, which is 11% above its 10-year median of 0.09. GuruFocus rates ELMA with a GF Score™ of 74/100 and a GF Value™ of $25.39 (Fairly Valued). Among 1,521 Banks companies, Elmer Bancorp ranks better than 54.37% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Elmer Bancorp's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $39.05 Mil. Elmer Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $409.42 Mil.
Therefore, Elmer Bancorp's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.10.
The historical rank and industry rank for Elmer Bancorp's Equity-to-Asset or its related term are showing as below:
ELMA'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08 Med: 0.09 Max: 0.1
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of Elmer Bancorp was 0.10. The lowest was 0.08. And the median was 0.09.
ELMA's Equity-to-Asset is ranked better than 54.37% of 1521
companies
in the Banks industry
Industry Median: 0.1
vs ELMA: 0.10
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Elmer Bancorp Equity-to-Asset Related Terms
Elmer Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Elmer Bancorp's Equity-to-Asset 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 PFBN, CDAB, HRBK: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Elmer Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Elmer Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Elmer Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Elmer Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.10 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Elmer Bancorp and its competitors. This is 11% above median its historical median of 0.09. Over the past decade, Elmer Bancorp's Equity-to-Asset has ranged from 0.08 to 0.10. According to the industry distribution chart, Elmer Bancorp ranks #694 out of 1521 companies in the Banks industry, placing it in the top 45.6%.
Is Elmer Bancorp's Equity-to-Asset too high?
Elmer Bancorp's current Equity-to-Asset of 0.10 is 11% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. Elmer Bancorp's value of 0.10 is 0% at this industry median. Based on the distribution chart, Elmer Bancorp ranks #694 out of 1521 companies in the Banks industry, which is above the industry midpoint. Overall, Elmer Bancorp has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Elmer Bancorp's Equity-to-Asset compare to PFBN and CDAB?
According to the Banks industry distribution chart, Elmer Bancorp ranks #694 out of 1521 companies for Equity-to-Asset. This puts Elmer Bancorp in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Elmer Bancorp's value of 0.10 is 0% at this benchmark. Historically, Elmer Bancorp's own Equity-to-Asset has ranged from 0.08 to 0.10 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Elmer Bancorp has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Elmer Bancorp's current Equity-to-Asset of 0.10 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Elmer Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elmer Bancorp's current Equity-to-Asset is 0.10, which is 11% above median its own 10-year median of 0.09. 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 $25.39, compared to a current price of $26.00 — trading 2.4% above its estimated fair value. The current Equity-to-Asset is 0.10, which is 11% above median its 10-year median of 0.09 and 0% at the Banks industry median of 0.10. Elmer Bancorp's overall GF Score™ is 74/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current Equity-to-Asset is 0.10 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 $26.00 is trading 2.4% above its estimated GF Value™ of $25.39.
GuruFocus considers Elmer Bancorp to be Fairly Valued.
Key valuation signals for ELMA:
Equity-to-Asset: 0.10 (11% above median its 10-year median of 0.09)
GF Value™: $25.39 vs. price of $26.00 (2.4% above fair value)
Industry Position: 0% at the Banks median (#694 of 1521)
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.
74GF Score
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