Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Elmer Bancorp's 3-Year RORE % for the quarter that ended in Dec. 2025 was 1.72%.
The industry rank for Elmer Bancorp's 3-Year RORE % or its related term are showing as below:
ELMA's 3-Year RORE % is ranked worse than 69.5% of 1472
companies
in the Banks industry
Industry Median: 9.875
vs ELMA: 1.72
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Elmer Bancorp 3-Year RORE % Related Terms
Elmer Bancorp 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Elmer Bancorp's 3-Year RORE % 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: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Elmer Bancorp's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Elmer Bancorp's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Elmer Bancorp's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.
Elmer Bancorp (ELMA) has a 3-Year RORE % of 1.72 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Elmer Bancorp and its competitors. According to the industry distribution chart, Elmer Bancorp ranks #1023 out of 1472 companies in the Banks industry, placing it in the top 69.5%.
Is Elmer Bancorp's 3-Year RORE % too high?
Elmer Bancorp's current 3-Year RORE % is 1.72. The Banks industry median 3-Year RORE % is 9.88. Elmer Bancorp's value of 1.72 is 82.6% below this industry median. Based on the distribution chart, Elmer Bancorp ranks #1023 out of 1472 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 3-Year RORE % compare to CNBZ and VWFB?
According to the Banks industry distribution chart, Elmer Bancorp ranks #1023 out of 1472 companies for 3-Year RORE %. This places Elmer Bancorp in the lower half of its industry. The industry median 3-Year RORE % is 9.88. Elmer Bancorp's value of 1.72 is 82.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.88, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Elmer Bancorp's current 3-Year RORE % of 1.72 is 82.6% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Elmer Bancorp and its competitors. For the Banks industry, the median 3-Year RORE % is 9.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elmer Bancorp's current 3-Year RORE % is 1.72. 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 $25.08, compared to a current price of $25.50 — trading 1.7% above its estimated fair value. The current 3-Year RORE % is 1.72 and 82.6% below the Banks industry median of 9.88. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current 3-Year RORE % is 1.72 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 1.7% above its estimated GF Value™ of $25.08.
GuruFocus considers Elmer Bancorp to be Fairly Valued.
Key valuation signals for ELMA:
3-Year RORE %: 1.72
GF Value™: $25.08 vs. price of $25.50 (1.7% above fair value)
Industry Position: 82.6% below the Banks median (#1023 of 1472)
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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