Elmer BancorpELMA +2.62%76 EV-to-FCF is 8.70 as of Jun. 29, 2026, which is 13% above its 10-year median of 7.72. GuruFocus rates ELMA with a GF Score™ of 76/100 and a GF Value™ of $25.01 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,196 Banks companies, Elmer Bancorp ranks worse than 57.61% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Elmer Bancorp's Enterprise Value is $24.94 Mil.
Elmer Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $2.87 Mil. Therefore, Elmer Bancorp's EV-to-FCF for today is 8.70.
The historical rank and industry rank for Elmer Bancorp's EV-to-FCF or its related term are showing as below:
ELMA'
s EV-to-FCF Range Over the Past 10 Years
Min: 5.47 Med: 7.72 Max: 16.2
Current: 8.7
During the past 13 years, the highest EV-to-FCF of Elmer Bancorp was 16.20. The lowest was 5.47. And the median was 7.72.
ELMA's EV-to-FCF is ranked worse than 57.61% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs ELMA: 8.70
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Elmer Bancorp's PE Ratio (TTM) for today is calculated as:
Elmer Bancorp's share price for today is $25.50.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Elmer Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $2.890.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Elmer Bancorp EV-to-FCF Related Terms
Elmer Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Elmer Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Elmer Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Elmer Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Elmer Bancorp's EV-to-FCF falls into.
Elmer Bancorp's current Enterprise Value is $24.94 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Elmer Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $2.87 Mil.
* 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 EV-to-FCF of 8.70 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Elmer Bancorp and its competitors. This is 13% above median its historical median of 7.72. Over the past decade, Elmer Bancorp's EV-to-FCF has ranged from 5.47 to 16.20. According to the industry distribution chart, Elmer Bancorp ranks #689 out of 1196 companies in the Banks industry, placing it in the top 57.6%.
Is Elmer Bancorp's EV-to-FCF too high?
Elmer Bancorp's current EV-to-FCF of 8.70 is 13% above median its 10-year median of 7.72. Over the past 10 years, this metric has ranged from a low of 5.47 to a high of 16.20. The Banks industry median EV-to-FCF is 6.56. Elmer Bancorp's value of 8.70 is 32.7% above this industry median. Based on the distribution chart, Elmer Bancorp ranks #689 out of 1196 companies in the Banks industry, which is below the industry midpoint. 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 EV-to-FCF compare to CNBZ and VWFB?
According to the Banks industry distribution chart, Elmer Bancorp ranks #689 out of 1196 companies for EV-to-FCF. This places Elmer Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.56. Elmer Bancorp's value of 8.70 is 32.7% above this benchmark. Historically, Elmer Bancorp's own EV-to-FCF has ranged from 5.47 to 16.20 over the past decade. While the company's 10-year median is 7.72 vs. the industry median of 6.56, Elmer Bancorp has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Elmer Bancorp's current EV-to-FCF of 8.70 is 32.7% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Elmer Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elmer Bancorp's current EV-to-FCF is 8.70, which is 13% above median its own 10-year median of 7.72. 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 $25.01, compared to a current price of $25.50 — trading 2% above its estimated fair value. The current EV-to-FCF is 8.70, which is 13% above median its 10-year median of 7.72 and 32.7% above the Banks industry median of 6.56. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current EV-to-FCF is 8.70 as of Jun. 29, 2026. 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 2% above its estimated GF Value™ of $25.01.
GuruFocus considers Elmer Bancorp to be Fairly Valued.
Key valuation signals for ELMA:
EV-to-FCF: 8.70 (13% above median its 10-year median of 7.72)
GF Value™: $25.01 vs. price of $25.50 (2% above fair value)
Industry Position: 32.7% above the Banks median (#689 of 1196)
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.
76GF Score
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