ELMA (Elmer Bancorp) ROC (Joel Greenblatt) %: % (As of Dec. 2025)


ELMA Elmer Bancorp Inc ELMA
76 GF Score
Price $25.50
GF Value $25.09
Valuation Fairly Valued
! 3 Warning Signs
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What is Elmer Bancorp ROC (Joel Greenblatt) %?

Elmer Bancorp ELMA 76 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates ELMA with a GF Score™ of 76/100 and a GF Value™ of $25.09 (Fairly Valued). The stock has 3 warning signs investors should review. Among 46 Banks companies, Elmer Bancorp ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

ELMA
76GF Score
Elmer Bancorp Inc ELMA
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Elmer Bancorp (ELMA) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Elmer Bancorp and its competitors. According to the industry distribution chart, Elmer Bancorp ranks #999999 out of 46 companies in the Banks industry.
Is Elmer Bancorp's ROC (Joel Greenblatt) % too high?
Elmer Bancorp's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Elmer Bancorp ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile 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 ROC (Joel Greenblatt) % compare to CNBZ and VWFB?
According to the Banks industry distribution chart, Elmer Bancorp ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Elmer Bancorp in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.63. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.63, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Elmer Bancorp and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elmer Bancorp's current ROC (Joel Greenblatt) % is %. 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 $25.09, compared to a current price of $25.50 — trading 1.6% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current ROC (Joel Greenblatt) % is % 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 1.6% above its estimated GF Value™ of $25.09. GuruFocus considers Elmer Bancorp to be Fairly Valued.

Key valuation signals for ELMA:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $25.09 vs. price of $25.50 (1.6% above fair value)
  • GF Score™: 76/100 with 3 warning signs

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 Business Description

Address 10 South Main Street, Elmer, NJ, USA, 08318
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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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.50
Price
$25.09
GF Value