Elmer BancorpELMA +2.62%76 ROE % is 8.87% as of Dec. 2025, which is 2% above its 10-year median of 8.73. 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 1,527 Banks companies, Elmer Bancorp ranks worse than 60.12% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Elmer Bancorp's annualized net income for the quarter that ended in Dec. 2025 was $3.30 Mil. Elmer Bancorp's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was $37.22 Mil. Therefore, Elmer Bancorp's annualized ROE % for the quarter that ended in Dec. 2025 was 8.87%.
The historical rank and industry rank for Elmer Bancorp's ROE % or its related term are showing as below:
ELMA'
s ROE % Range Over the Past 10 Years
Min: 5.35 Med: 8.73 Max: 13.21
Current: 8.87
During the past 13 years, Elmer Bancorp's highest ROE % was 13.21%. The lowest was 5.35%. And the median was 8.73%.
ELMA's ROE % is ranked worse than 60.12% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs ELMA: 8.87
Elmer Bancorp (OTCPK:ELMA) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Elmer Bancorp ROE % Related Terms
Elmer Bancorp ROE % Historical Data
* Premium members only.
The historical data trend for Elmer Bancorp's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Elmer Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where Elmer Bancorp's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Elmer Bancorp (ELMA) has a ROE % of 8.87% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Elmer Bancorp and its competitors. This is near median its historical median of 8.73. Over the past decade, Elmer Bancorp's ROE % has ranged from 5.35 to 13.21. According to the industry distribution chart, Elmer Bancorp ranks #918 out of 1527 companies in the Banks industry, placing it in the top 60.1%.
Is Elmer Bancorp's ROE % too high?
Elmer Bancorp's current ROE % of 8.87% is near median its 10-year median of 8.73. Over the past 10 years, this metric has ranged from a low of 5.35 to a high of 13.21. The Banks industry median ROE % is 10.23. Elmer Bancorp's value of 8.87% is 13.3% below this industry median. Based on the distribution chart, Elmer Bancorp ranks #918 out of 1527 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 ROE % compare to CNBZ and VWFB?
According to the Banks industry distribution chart, Elmer Bancorp ranks #918 out of 1527 companies for ROE %. This places Elmer Bancorp in the lower half of its industry. The industry median ROE % is 10.23. Elmer Bancorp's value of 8.87% is 13.3% below this benchmark. Historically, Elmer Bancorp's own ROE % has ranged from 5.35 to 13.21 over the past decade. While the company's 10-year median is 8.73 vs. the industry median of 10.23, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Elmer Bancorp's current ROE % of 8.87% is 13.3% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Elmer Bancorp and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elmer Bancorp's current ROE % is 8.87%, which is near median its own 10-year median of 8.73. 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 ROE % is 8.87%, which is near median its 10-year median of 8.73 and 13.3% below the Banks industry median of 10.23. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current ROE % is 8.87% 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:
ROE %: 8.87% (near median its 10-year median of 8.73)
GF Value™: $25.01 vs. price of $25.50 (2% above fair value)
Industry Position: 13.3% below the Banks median (#918 of 1527)
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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