ELMA (Elmer Bancorp) Interest Expense: $-4.50 Mil (TTM As of Dec. 2025)


ELMA Elmer Bancorp Inc ELMA
76 GF Score
Price $25.50
GF Value $25.05
Valuation Fairly Valued
! 3 Warning Signs
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What is Elmer Bancorp Interest Expense?

Elmer Bancorp ELMA +2.62% 76 Interest Expense is $-4.50 Mil as of Dec. 2025. GuruFocus rates ELMA with a GF Score™ of 76/100 and a GF Value™ of $25.05 (Fairly Valued). The stock has 3 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Elmer Bancorp's interest expense for the six months ended in Dec. 2025 was $ -4.50 Mil. Its interest expense for the trailing twelve months (TTM) ended in Dec. 2025 was $-4.50 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Elmer Bancorp's Operating Income for the six months ended in Dec. 2025 was $ Mil. Elmer Bancorp's Interest Expense for the six months ended in Dec. 2025 was $ Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Elmer Bancorp Interest Expense Historical Data

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The historical data trend for Elmer Bancorp's Interest Expense 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.

Elmer Bancorp Interest Expense Chart

Elmer Bancorp Annual Data
Trend Dec06 Dec07 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.86 -0.77 -1.39 -3.69 -4.50

Elmer Bancorp Semi-Annual Data
Dec03 Dec04 Dec05 Dec06 Dec07 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.86 -0.77 -1.39 -3.69 -4.50
ELMA
76GF Score
Elmer Bancorp Inc ELMA
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Elmer Bancorp Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Interest Expense for the trailing twelve months (TTM) ended in Dec. 2025 was $-4.50 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.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of $-4.50 Mil mean?
Elmer Bancorp (ELMA) has a Interest Expense of $-4.50 Mil as of Dec. 2025. Interest Expense is the amount a company pays on its long-term debt. View historical data on Elmer Bancorp and its competitors.
Is Elmer Bancorp's Interest Expense too high?
Elmer Bancorp's current Interest Expense is $-4.50 Mil. 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 Interest Expense compare to CNBZ and VWFB?
Elmer Bancorp's Interest Expense of $-4.50 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Elmer Bancorp and its competitors. Elmer Bancorp's current Interest Expense is $-4.50 Mil. 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 $25.05, compared to a current price of $25.50 — trading 1.8% above its estimated fair value. The current Interest Expense is $-4.50 Mil. 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 Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current Interest Expense is $-4.50 Mil 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 1.8% above its estimated GF Value™ of $25.05. GuruFocus considers Elmer Bancorp to be Fairly Valued.

Key valuation signals for ELMA:

  • Interest Expense: $-4.50 Mil
  • GF Value™: $25.05 vs. price of $25.50 (1.8% above fair value)
  • GF Score™: 76/100 with 3 warning signs

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 Business Description

Address 10 South Main Street, Elmer, NJ, USA, 08318
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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Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.50
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