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Elmer BancorpELMA 74 OCF Margin % is 18.42% as of Dec. 2025, which is 2% below its 10-year median of 18.87. GuruFocus rates ELMA with a GF Score™ of 74/100 and a GF Value™ of $25.28 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,496 Banks companies, Elmer Bancorp ranks worse than 65.24% on this metric.
The historical data trend for Elmer Bancorp's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Elmer Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Elmer Bancorp's OCF 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 OCF Margin % of 18.42% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Elmer Bancorp and its competitors. This is near median its historical median of 18.87. Over the past decade, Elmer Bancorp's OCF Margin % has ranged from 10.91 to 22.36. According to the industry distribution chart, Elmer Bancorp ranks #976 out of 1496 companies in the Banks industry, placing it in the top 65.2%.
Is Elmer Bancorp's OCF Margin % too high?
Elmer Bancorp's current OCF Margin % of 18.42% is near median its 10-year median of 18.87. Over the past 10 years, this metric has ranged from a low of 10.91 to a high of 22.36. The Banks industry median OCF Margin % is 30.14. Elmer Bancorp's value of 18.42% is 38.9% below this industry median. Based on the distribution chart, Elmer Bancorp ranks #976 out of 1496 companies in the Banks industry, which is below the industry midpoint. Overall, Elmer Bancorp has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Elmer Bancorp's OCF Margin % compare to WVFC and PFSB?
According to the Banks industry distribution chart, Elmer Bancorp ranks #976 out of 1496 companies for OCF Margin %. This places Elmer Bancorp in the lower half of its industry. The industry median OCF Margin % is 30.14. Elmer Bancorp's value of 18.42% is 38.9% below this benchmark. Historically, Elmer Bancorp's own OCF Margin % has ranged from 10.91 to 22.36 over the past decade. While the company's 10-year median is 18.87 vs. the industry median of 30.14, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.14, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Elmer Bancorp's current OCF Margin % of 18.42% is 38.9% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Elmer Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 30.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elmer Bancorp's current OCF Margin % is 18.42%, which is near median its own 10-year median of 18.87. 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 Modestly Overvalued. The stock's GF Value™ is $25.28, compared to a current price of $29.00 — trading 14.7% above its estimated fair value. The current OCF Margin % is 18.42%, which is near median its 10-year median of 18.87 and 38.9% below the Banks industry median of 30.14. Elmer Bancorp's overall GF Score™ is 74/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current OCF Margin % is 18.42% 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 $29.00 is trading 14.7% above its estimated GF Value™ of $25.28.
GuruFocus considers Elmer Bancorp to be Modestly Overvalued.
Key valuation signals for ELMA:
OCF Margin %: 18.42% (near median its 10-year median of 18.87)
GF Value™: $25.28 vs. price of $29.00 (14.7% above fair value)
Industry Position: 38.9% below the Banks median (#976 of 1496)
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.
74GF Score
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