Elmer BancorpELMA +2.62%76 FCF Yield % is 9.77 as of Jun. 29, 2026, which is 1% below its 10-year median of 9.85. 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 1,507 Banks companies, Elmer Bancorp ranks better than 57.13% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Elmer Bancorp FCF Yield % Related Terms
Elmer Bancorp FCF Yield % Historical Data
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The historical data trend for Elmer Bancorp's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Elmer Bancorp's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Elmer Bancorp's FCF Yield % 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 Yield % of 9.77 as of Jun. 29, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Elmer Bancorp and its competitors. This is near median its historical median of 9.85. Over the past decade, Elmer Bancorp's FCF Yield % has ranged from 5.24 to 14.50. According to the industry distribution chart, Elmer Bancorp ranks #646 out of 1507 companies in the Banks industry, placing it in the top 42.9%.
Is Elmer Bancorp's FCF Yield % too high?
Elmer Bancorp's current FCF Yield % of 9.77 is near median its 10-year median of 9.85. Over the past 10 years, this metric has ranged from a low of 5.24 to a high of 14.50. The Banks industry median FCF Yield % is 8.14. Elmer Bancorp's value of 9.77 is 20% above this industry median. Based on the distribution chart, Elmer Bancorp ranks #646 out of 1507 companies in the Banks industry, which is above 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 Yield % compare to CNBZ and VWFB?
According to the Banks industry distribution chart, Elmer Bancorp ranks #646 out of 1507 companies for FCF Yield %. This puts Elmer Bancorp in the upper half of its industry. The industry median FCF Yield % is 8.14. Elmer Bancorp's value of 9.77 is 20% above this benchmark. Historically, Elmer Bancorp's own FCF Yield % has ranged from 5.24 to 14.50 over the past decade. While the company's 10-year median is 9.85 vs. the industry median of 8.14, 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.14, based on 1,507 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Elmer Bancorp's current FCF Yield % of 9.77 is 20% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Elmer Bancorp and its competitors. For the Banks industry, the median FCF Yield % is 8.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elmer Bancorp's current FCF Yield % is 9.77, which is near median its own 10-year median of 9.85. 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 Yield % is 9.77, which is near median its 10-year median of 9.85 and 20% above the Banks industry median of 8.14. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current FCF Yield % is 9.77 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:
FCF Yield %: 9.77 (near median its 10-year median of 9.85)
GF Value™: $25.01 vs. price of $25.50 (2% above fair value)
Industry Position: 20% above the Banks median (#646 of 1507)
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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