ELMA (Elmer Bancorp) Long-Term Debt: $0.00 Mil (As of Dec. 2025)


ELMA Elmer Bancorp Inc ELMA
76 GF Score
Price $25.50
GF Value $25.08
Valuation Fairly Valued
! 3 Warning Signs
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What is Elmer Bancorp Long-Term Debt?

Elmer Bancorp ELMA +2.62% 76 Long-Term Debt is $0.00 Mil as of Dec. 2025. GuruFocus rates ELMA with a GF Score™ of 76/100 and a GF Value™ of $25.08 (Fairly Valued). The stock has 3 warning signs investors should review.

Elmer Bancorp's Long-Term Debt for the quarter that ended in Dec. 2025 was $0.00 Mil.

Elmer Bancorp  (OTCPK:ELMA) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Elmer Bancorp Long-Term Debt Related Terms

Elmer Bancorp Long-Term Debt Historical Data

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The historical data trend for Elmer Bancorp's Long-Term Debt 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 Long-Term Debt Chart

Elmer Bancorp Annual Data
Trend Dec06 Dec07 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Elmer Bancorp Semi-Annual Data
Dec03 Dec04 Dec05 Dec06 Dec07 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
ELMA
76GF Score
Elmer Bancorp Inc ELMA
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $0.00 Mil mean?
Elmer Bancorp (ELMA) has a Long-Term Debt of $0.00 Mil as of Dec. 2025.
Is Elmer Bancorp's Long-Term Debt too high?
Elmer Bancorp's current Long-Term Debt is $0.00 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 Long-Term Debt compare to CNBZ and VWFB?
Elmer Bancorp's Long-Term Debt of $0.00 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Elmer Bancorp's current Long-Term Debt is $0.00 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 $25.08, compared to a current price of $25.50 — trading 1.7% above its estimated fair value. The current Long-Term Debt is $0.00 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current Long-Term Debt is $0.00 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 1.7% above its estimated GF Value™ of $25.08. GuruFocus considers Elmer Bancorp to be Fairly Valued.

Key valuation signals for ELMA:

  • Long-Term Debt: $0.00 Mil
  • GF Value™: $25.08 vs. price of $25.50 (1.7% 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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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.50
Price
$25.08
GF Value