Elmer BancorpELMA +2.62%76 Pretax Margin % is 24.14% as of Dec. 2025, which is 1% below its 10-year median of 24.36. 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 74.31% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Elmer Bancorp's Pre-Tax Income for the
six
months ended in Dec. 2025 was $4.26 Mil. Elmer Bancorp's Revenue for the
six
months ended in Dec. 2025 was $17.65 Mil. Therefore, Elmer Bancorp's pretax margin for the quarter that ended in Dec. 2025 was 24.14%.
The historical rank and industry rank for Elmer Bancorp's Pretax Margin % or its related term are showing as below:
ELMA'
s Pretax Margin % Range Over the Past 10 Years
Min: 16.08 Med: 24.36 Max: 36.42
Current: 24.14
ELMA's Pretax Margin % is ranked worse than 74.31% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs ELMA: 24.14
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Elmer Bancorp Pretax Margin % Related Terms
Elmer Bancorp Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Elmer Bancorp's Pretax 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.
ELMA vs CNBZ, VWFB, CDAB: Pretax Margin % Comparison
For the Banks - Regional subindustry, Elmer Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Elmer Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Elmer Bancorp's Pretax 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 Pretax Margin % of 24.14% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Elmer Bancorp and its competitors. This is near median its historical median of 24.36. Over the past decade, Elmer Bancorp's Pretax Margin % has ranged from 16.08 to 36.42. According to the industry distribution chart, Elmer Bancorp ranks #1137 out of 1530 companies in the Banks industry, placing it in the top 74.3%.
Is Elmer Bancorp's Pretax Margin % too high?
Elmer Bancorp's current Pretax Margin % of 24.14% is near median its 10-year median of 24.36. Over the past 10 years, this metric has ranged from a low of 16.08 to a high of 36.42. The Banks industry median Pretax Margin % is 34.72. Elmer Bancorp's value of 24.14% is 30.5% below this industry median. Based on the distribution chart, Elmer Bancorp ranks #1137 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 Pretax Margin % compare to CNBZ and VWFB?
According to the Banks industry distribution chart, Elmer Bancorp ranks #1137 out of 1530 companies for Pretax Margin %. This places Elmer Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.72. Elmer Bancorp's value of 24.14% is 30.5% below this benchmark. Historically, Elmer Bancorp's own Pretax Margin % has ranged from 16.08 to 36.42 over the past decade. While the company's 10-year median is 24.36 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Elmer Bancorp's current Pretax Margin % of 24.14% is 30.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Elmer Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elmer Bancorp's current Pretax Margin % is 24.14%, which is near median its own 10-year median of 24.36. 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 Pretax Margin % is 24.14%, which is near median its 10-year median of 24.36 and 30.5% below the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current Pretax Margin % is 24.14% 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:
Pretax Margin %: 24.14% (near median its 10-year median of 24.36)
GF Value™: $25.01 vs. price of $25.50 (2% above fair value)
Industry Position: 30.5% below the Banks median (#1137 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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