Elmer BancorpELMA +2.62%76 FCF Margin % is 16.25% as of Dec. 2025, which is 3% above its 10-year median of 15.80. 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 1,509 Banks companies, Elmer Bancorp ranks worse than 62.23% on this metric.
The historical rank and industry rank for Elmer Bancorp's FCF Margin % or its related term are showing as below:
ELMA'
s FCF Margin % Range Over the Past 10 Years
Min: 9.62 Med: 15.8 Max: 19.24
Current: 16.25
During the past 13 years, the highest FCF Margin % of Elmer Bancorp was 19.24%. The lowest was 9.62%. And the median was 15.80%.
ELMA's FCF Margin % is ranked worse than 62.23% of 1509
companies
in the Banks industry
Industry Median: 26.55
vs ELMA: 16.25
Elmer Bancorp FCF Margin % Related Terms
Elmer Bancorp FCF Margin % Historical Data
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The historical data trend for Elmer Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Elmer Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Elmer Bancorp's FCF Margin % 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 FCF Margin % of 16.25% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Elmer Bancorp and its competitors. This is near median its historical median of 15.80. Over the past decade, Elmer Bancorp's FCF Margin % has ranged from 9.62 to 19.24. According to the industry distribution chart, Elmer Bancorp ranks #939 out of 1509 companies in the Banks industry, placing it in the top 62.2%.
Is Elmer Bancorp's FCF Margin % too high?
Elmer Bancorp's current FCF Margin % of 16.25% is near median its 10-year median of 15.80. Over the past 10 years, this metric has ranged from a low of 9.62 to a high of 19.24. The Banks industry median FCF Margin % is 26.55. Elmer Bancorp's value of 16.25% is 38.8% below this industry median. Based on the distribution chart, Elmer Bancorp ranks #939 out of 1509 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 FCF Margin % compare to CNBZ and VWFB?
According to the Banks industry distribution chart, Elmer Bancorp ranks #939 out of 1509 companies for FCF Margin %. This places Elmer Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.55. Elmer Bancorp's value of 16.25% is 38.8% below this benchmark. Historically, Elmer Bancorp's own FCF Margin % has ranged from 9.62 to 19.24 over the past decade. While the company's 10-year median is 15.80 vs. the industry median of 26.55, Elmer Bancorp has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,509 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Elmer Bancorp's current FCF Margin % of 16.25% is 38.8% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Elmer Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elmer Bancorp's current FCF Margin % is 16.25%, which is near median its own 10-year median of 15.80. 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 FCF Margin % is 16.25%, which is near median its 10-year median of 15.80 and 38.8% below the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current FCF Margin % is 16.25% 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 2% above its estimated GF Value™ of $25.01.
GuruFocus considers Elmer Bancorp to be Fairly Valued.
Key valuation signals for ELMA:
FCF Margin %: 16.25% (near median its 10-year median of 15.80)
GF Value™: $25.01 vs. price of $25.50 (2% above fair value)
Industry Position: 38.8% below the Banks median (#939 of 1509)
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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