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

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ELMA Elmer Bancorp Inc ELMA
74 GF Score
Price $29.00
GF Value $25.28
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Elmer Bancorp ROC %?

Elmer Bancorp ELMA 74 ROC % is % as of Dec. 2025. 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.

ROC %does not apply to banks.

ELMA
74GF Score
Elmer Bancorp Inc ELMA
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Elmer Bancorp (ELMA) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Elmer Bancorp and its competitors.
Is Elmer Bancorp's ROC % too high?
Elmer Bancorp's current ROC % is %. 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 ROC % compare to WVFC and PFSB?
Elmer Bancorp's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.54, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Elmer Bancorp and its competitors. For the Banks industry, the median ROC % is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elmer Bancorp's current ROC % 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 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current ROC % 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 $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:

  • ROC %: %
  • GF Value™: $25.28 vs. price of $29.00 (14.7% above fair value)
  • GF Score™: 74/100 with 5 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.
74GF Score

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ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.00
Price
$25.28
GF Value