Elmer BancorpELMA +2.62%76 Net Margin % is 18.71% as of Dec. 2025, which is 6% above its 10-year median of 17.57. 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 1,530 Banks companies, Elmer Bancorp ranks worse than 73.4% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Elmer Bancorp's Net Income for the
six
months ended in Dec. 2025 was $3.30 Mil. Elmer Bancorp's Revenue for the
six
months ended in Dec. 2025 was $17.65 Mil. Therefore, Elmer Bancorp's net margin for the quarter that ended in Dec. 2025 was 18.71%.
The historical rank and industry rank for Elmer Bancorp's Net Margin % or its related term are showing as below:
ELMA'
s Net Margin % Range Over the Past 10 Years
Min: 11.83 Med: 17.57 Max: 21.89
Current: 18.71
ELMA's Net Margin % is ranked worse than 73.4% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs ELMA: 18.71
Elmer Bancorp (OTCPK:ELMA) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Elmer Bancorp Net Margin % Related Terms
Elmer Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Elmer Bancorp's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Elmer Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Elmer Bancorp's Net Margin % 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 Net Margin % of 18.71% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Elmer Bancorp and its competitors. This is near median its historical median of 17.57. Over the past decade, Elmer Bancorp's Net Margin % has ranged from 11.83 to 21.89. According to the industry distribution chart, Elmer Bancorp ranks #1123 out of 1530 companies in the Banks industry, placing it in the top 73.4%.
Is Elmer Bancorp's Net Margin % too high?
Elmer Bancorp's current Net Margin % of 18.71% is near median its 10-year median of 17.57. Over the past 10 years, this metric has ranged from a low of 11.83 to a high of 21.89. The Banks industry median Net Margin % is 26.85. Elmer Bancorp's value of 18.71% is 30.3% below this industry median. Based on the distribution chart, Elmer Bancorp ranks #1123 out of 1530 companies in the Banks industry, which is below 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 Net Margin % compare to CNBZ and VWFB?
According to the Banks industry distribution chart, Elmer Bancorp ranks #1123 out of 1530 companies for Net Margin %. This places Elmer Bancorp in the lower half of its industry. The industry median Net Margin % is 26.85. Elmer Bancorp's value of 18.71% is 30.3% below this benchmark. Historically, Elmer Bancorp's own Net Margin % has ranged from 11.83 to 21.89 over the past decade. While the company's 10-year median is 17.57 vs. the industry median of 26.85, Elmer Bancorp has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Elmer Bancorp's current Net Margin % of 18.71% is 30.3% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Elmer Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elmer Bancorp's current Net Margin % is 18.71%, which is near median its own 10-year median of 17.57. 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 Net Margin % is 18.71%, which is near median its 10-year median of 17.57 and 30.3% below the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current Net Margin % is 18.71% 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 2% above its estimated GF Value™ of $25.01.
GuruFocus considers Elmer Bancorp to be Fairly Valued.
Key valuation signals for ELMA:
Net Margin %: 18.71% (near median its 10-year median of 17.57)
GF Value™: $25.01 vs. price of $25.50 (2% above fair value)
Industry Position: 30.3% below the Banks median (#1123 of 1530)
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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