Elmer BancorpELMA +2.62%76 PEG Ratio is 1.30 as of Jul. 01, 2026, which is 16% above its 10-year median of 1.12. 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 1,229 Banks companies, Elmer Bancorp ranks better than 55.98% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use for banks is the 5-Year Book Value growth rate. As of today, Elmer Bancorp's PE Ratio without NRI is 8.82. Elmer Bancorp's 5-Year Book Value growth rate is 6.80%. Therefore, Elmer Bancorp's PEG Ratio for today is 1.30.
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Elmer Bancorp's PEG Ratio or its related term are showing as below:
ELMA'
s PEG Ratio Range Over the Past 10 Years
Min: 0.61 Med: 1.12 Max: 1.68
Current: 1.3
During the past 13 years, Elmer Bancorp's highest PEG Ratio was 1.68. The lowest was 0.61. And the median was 1.12.
ELMA's PEG Ratio is ranked better than 55.98% of 1229
companies
in the Banks industry
Industry Median: 1.52
vs ELMA: 1.30
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Elmer Bancorp (OTCPK:ELMA) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Elmer Bancorp PEG Ratio Related Terms
Elmer Bancorp PEG Ratio Historical Data
* Premium members only.
The historical data trend for Elmer Bancorp's PEG Ratio 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 PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Elmer Bancorp's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Elmer Bancorp's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Elmer Bancorp (ELMA) has a PEG Ratio of 1.30 as of Jul. 01, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Elmer Bancorp and its competitors. This is 16% above median its historical median of 1.12. Over the past decade, Elmer Bancorp's PEG Ratio has ranged from 0.61 to 1.68. According to the industry distribution chart, Elmer Bancorp ranks #541 out of 1229 companies in the Banks industry, placing it in the top 44%.
Is Elmer Bancorp's PEG Ratio too high?
Elmer Bancorp's current PEG Ratio of 1.30 is 16% above median its 10-year median of 1.12. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 1.68. The Banks industry median PEG Ratio is 1.52. Elmer Bancorp's value of 1.30 is 14.5% below this industry median. Based on the distribution chart, Elmer Bancorp ranks #541 out of 1229 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 PEG Ratio compare to CNBZ and VWFB?
According to the Banks industry distribution chart, Elmer Bancorp ranks #541 out of 1229 companies for PEG Ratio. This puts Elmer Bancorp in the upper half of its industry. The industry median PEG Ratio is 1.52. Elmer Bancorp's value of 1.30 is 14.5% below this benchmark. Historically, Elmer Bancorp's own PEG Ratio has ranged from 0.61 to 1.68 over the past decade. While the company's 10-year median is 1.12 vs. the industry median of 1.52, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.52, based on 1,229 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Elmer Bancorp's current PEG Ratio of 1.30 is 14.5% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Elmer Bancorp and its competitors. For the Banks industry, the median PEG Ratio is 1.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elmer Bancorp's current PEG Ratio is 1.30, which is 16% above median its own 10-year median of 1.12. 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 PEG Ratio is 1.30, which is 16% above median its 10-year median of 1.12 and 14.5% below the Banks industry median of 1.52. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current PEG Ratio is 1.30 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:
PEG Ratio: 1.30 (16% above median its 10-year median of 1.12)
GF Value™: $25.04 vs. price of $25.50 (1.8% above fair value)
Industry Position: 14.5% below the Banks median (#541 of 1229)
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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