ELMA (Elmer Bancorp) Moat Score: 3/10 (As of Jul. 01, 2026)


ELMA Elmer Bancorp Inc ELMA
76 GF Score
Price $25.50
GF Value $25.04
Valuation Fairly Valued
! 3 Warning Signs
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What is Elmer Bancorp Moat Score?

Elmer Bancorp ELMA +2.62% 76 Moat Score is 3 as of Jul. 01, 2026. GuruFocus rates ELMA with a GF Score™ of 76/100 and a GF Value™ of $25.04 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,611 Banks companies, Elmer Bancorp ranks better than 74.49% on this metric.

Elmer Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Elmer Bancorp has No Moat: Elmer Bancorp Inc has a limited market presence and lacks significant competitive advantages such as strong brand strength, customer loyalty, or regulatory barriers, resulting in a very weak moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Elmer Bancorp might have No Moat - Very weak/transient advantages.

Elmer Bancorp  (OTCPK:ELMA) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Elmer Bancorp Moat Score Related Terms

ELMA vs CNBZ, VWFB, CDAB: Moat Score Comparison

For the Banks - Regional subindustry, Elmer Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Elmer Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Elmer Bancorp's Moat Score falls into.


ELMA
76GF Score
Elmer Bancorp Inc ELMA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Elmer Bancorp (ELMA) has a Moat Score of 3 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Elmer Bancorp ranks #411 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is Elmer Bancorp's Moat Score too high?
Elmer Bancorp's current Moat Score is 3. Based on the distribution chart, Elmer Bancorp ranks #411 out of 1611 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 Moat Score compare to CNBZ and VWFB?
According to the Banks industry distribution chart, Elmer Bancorp ranks #411 out of 1611 companies for Moat Score. This puts Elmer Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Elmer Bancorp's current Moat Score is 3. 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 $25.04, compared to a current price of $25.50 — trading 1.8% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current Moat Score is 3 as of Jul. 01, 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 1.8% above its estimated GF Value™ of $25.04. GuruFocus considers Elmer Bancorp to be Fairly Valued.

Key valuation signals for ELMA:

  • Moat Score: 3
  • GF Value™: $25.04 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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.50
Price
$25.04
GF Value