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Elmer BancorpELMA 74 OCF Yield % is 9.74 as of Aug. 13, 2026, which is 14% below its 10-year median of 11.30. 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 better than 53.68% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Elmer Bancorp OCF Yield % Related Terms
Elmer Bancorp OCF Yield % Historical Data
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The historical data trend for Elmer Bancorp's OCF Yield % 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 Yield %, along with its competitors' market caps and OCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Elmer Bancorp's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Elmer Bancorp's OCF Yield % 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 Yield % of 9.74 as of Aug. 13, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Elmer Bancorp and its competitors. This is 14% below median its historical median of 11.30. Over the past decade, Elmer Bancorp's OCF Yield % has ranged from 5.76 to 16.86. According to the industry distribution chart, Elmer Bancorp ranks #693 out of 1496 companies in the Banks industry, placing it in the top 46.3%.
Is Elmer Bancorp's OCF Yield % too high?
Elmer Bancorp's current OCF Yield % of 9.74 is 14% below median its 10-year median of 11.30. Over the past 10 years, this metric has ranged from a low of 5.76 to a high of 16.86. The Banks industry median OCF Yield % is 9.17. Elmer Bancorp's value of 9.74 is 6.2% above this industry median. Based on the distribution chart, Elmer Bancorp ranks #693 out of 1496 companies in the Banks industry, which is above 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 Yield % compare to WVFC and PFSB?
According to the Banks industry distribution chart, Elmer Bancorp ranks #693 out of 1496 companies for OCF Yield %. This puts Elmer Bancorp in the upper half of its industry. The industry median OCF Yield % is 9.17. Elmer Bancorp's value of 9.74 is 6.2% above this benchmark. Historically, Elmer Bancorp's own OCF Yield % has ranged from 5.76 to 16.86 over the past decade. While the company's 10-year median is 11.30 vs. the industry median of 9.17, Elmer Bancorp has consistently been above 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 Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.17, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Elmer Bancorp's current OCF Yield % of 9.74 is 6.2% above 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 Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Elmer Bancorp and its competitors. For the Banks industry, the median OCF Yield % is 9.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elmer Bancorp's current OCF Yield % is 9.74, which is 14% below median its own 10-year median of 11.30. 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 Yield % is 9.74, which is 14% below median its 10-year median of 11.30 and 6.2% above the Banks industry median of 9.17. 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 Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current OCF Yield % is 9.74 as of Aug. 13, 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 $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 Yield %: 9.74 (14% below median its 10-year median of 11.30)
GF Value™: $25.28 vs. price of $29.00 (14.7% above fair value)
Industry Position: 6.2% above the Banks median (#693 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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