Elmer BancorpELMA +2.62%76 PS Ratio is 1.65 as of Jul. 03, 2026, which is 4% above its 10-year median of 1.59. GuruFocus rates ELMA with a GF Score™ of 76/100 and a GF Value™ of $25.05 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,517 Banks companies, Elmer Bancorp ranks better than 80.62% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Elmer Bancorp's share price is $25.50.
Elmer Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $15.43. Hence, Elmer Bancorp's PS Ratio for today is 1.65.
The historical rank and industry rank for Elmer Bancorp's PS Ratio or its related term are showing as below:
ELMA'
s PS Ratio Range Over the Past 10 Years
Min: 1.22 Med: 1.59 Max: 1.91
Current: 1.65
During the past 13 years, Elmer Bancorp's highest PS Ratio was 1.91. The lowest was 1.22. And the median was 1.59.
ELMA's PS Ratio is ranked better than 80.62% of 1517
companies
in the Banks industry
Industry Median: 2.98
vs ELMA: 1.65
Elmer Bancorp Inc has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of Elmer Bancorp was 12.40% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 8.60% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 7.50% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 6.10% per year.
During the past 13 years, Elmer Bancorp's highest 3-Year average Revenue per Share Growth Rate was 8.80% per year. The lowest was 1.50% per year. And the median was 6.85% per year.
Back to Basics: PS Ratio
Elmer Bancorp (OTCPK:ELMA) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Elmer Bancorp PS Ratio Related Terms
Elmer Bancorp PS Ratio Historical Data
* Premium members only.
The historical data trend for Elmer Bancorp's PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Elmer Bancorp's PS Ratio distribution charts can be found below:
* The bar in red indicates where Elmer Bancorp's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Elmer Bancorp's Share Price of today is $25.50.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Elmer Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $15.43.
* 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.
It can also be calculated from the numbers for the whole company:
Elmer Bancorp (ELMA) has a PS Ratio of 1.65 as of Jul. 03, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Elmer Bancorp and its competitors. This is near median its historical median of 1.59. Over the past decade, Elmer Bancorp's PS Ratio has ranged from 1.22 to 1.91. According to the industry distribution chart, Elmer Bancorp ranks #294 out of 1517 companies in the Banks industry, placing it in the top 19.4%.
Is Elmer Bancorp's PS Ratio too high?
Elmer Bancorp's current PS Ratio of 1.65 is near median its 10-year median of 1.59. Over the past 10 years, this metric has ranged from a low of 1.22 to a high of 1.91. The Banks industry median PS Ratio is 2.98. Elmer Bancorp's value of 1.65 is 44.6% below this industry median. Based on the distribution chart, Elmer Bancorp ranks #294 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 PS Ratio compare to CNBZ and VWFB?
According to the Banks industry distribution chart, Elmer Bancorp ranks #294 out of 1517 companies for PS Ratio. This places Elmer Bancorp in the top 19% of its industry — outperforming the majority of peers. The industry median PS Ratio is 2.98. Elmer Bancorp's value of 1.65 is 44.6% below this benchmark. Historically, Elmer Bancorp's own PS Ratio has ranged from 1.22 to 1.91 over the past decade. While the company's 10-year median is 1.59 vs. the industry median of 2.98, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.98, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Elmer Bancorp's current PS Ratio of 1.65 is 44.6% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Elmer Bancorp and its competitors. For the Banks industry, the median PS Ratio is 2.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elmer Bancorp's current PS Ratio is 1.65, which is near median its own 10-year median of 1.59. 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 $25.05, compared to a current price of $25.50 — trading 1.8% above its estimated fair value. The current PS Ratio is 1.65, which is near median its 10-year median of 1.59 and 44.6% below the Banks industry median of 2.98. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current PS Ratio is 1.65 as of Jul. 03, 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 $25.05.
GuruFocus considers Elmer Bancorp to be Fairly Valued.
Key valuation signals for ELMA:
PS Ratio: 1.65 (near median its 10-year median of 1.59)
GF Value™: $25.05 vs. price of $25.50 (1.8% above fair value)
Industry Position: 44.6% below the Banks median (#294 of 1517)
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
Get the complete analysis for ELMA
PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ELMA has been successfully added to your 
