ELMA (Elmer Bancorp) Margin of Safety % (DCF FCF Based): 66.34% (As of Jun. 29, 2026)


ELMA Elmer Bancorp Inc ELMA
76 GF Score
Price $25.50
GF Value $25.01
Valuation Fairly Valued
! 3 Warning Signs
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What is Elmer Bancorp Margin of Safety % (DCF FCF Based)?

Elmer Bancorp ELMA +2.62% 76 Margin of Safety % (DCF FCF Based) is 66.34% as of Jun. 29, 2026. 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.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-29), Elmer Bancorp's Predictability Rank is 4-Stars. Elmer Bancorp's intrinsic value calculated from the Discounted FCF model is $34.68 and current share price is $25.50. Consequently,

Elmer Bancorp's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 66.34%.

ELMA vs CNBZ, VWFB, CDAB: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Elmer Bancorp's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Elmer Bancorp's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Elmer Bancorp's Margin of Safety % (DCF FCF Based) falls into.


ELMA
76GF Score
Elmer Bancorp Inc ELMA
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Elmer Bancorp Margin of Safety % (DCF FCF Based) Calculation

Elmer Bancorp's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(75.76-25.50)/75.76
=66.34 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 66.34% mean?
Elmer Bancorp (ELMA) has a Margin of Safety % (DCF FCF Based) of 66.34% as of Jun. 29, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Elmer Bancorp.
Is Elmer Bancorp's Margin of Safety % (DCF FCF Based) too high?
Elmer Bancorp's current Margin of Safety % (DCF FCF Based) is 66.34%. 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 Margin of Safety % (DCF FCF Based) compare to CNBZ and VWFB?
Elmer Bancorp's Margin of Safety % (DCF FCF Based) of 66.34% 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 Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Elmer Bancorp. Elmer Bancorp's current Margin of Safety % (DCF FCF Based) is 66.34%. 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 Margin of Safety % (DCF FCF Based) is 66.34%. 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 Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current Margin of Safety % (DCF FCF Based) is 66.34% 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:

  • Margin of Safety % (DCF FCF Based): 66.34%
  • GF Value™: $25.01 vs. price of $25.50 (2% 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

Get the complete analysis for ELMA

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.50
Price
$25.01
GF Value