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Elmer BancorpELMA 76 5-Year Yield-on-Cost % is 3.19 as of Jul. 16, 2026, which is 22% below its 10-year median of 4.09. GuruFocus rates ELMA with a GF Score™ of 76/100 and a GF Value™ of $25.12 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,255 Banks companies, Elmer Bancorp ranks worse than 63.19% on this metric.
Elmer Bancorp's yield on cost for the quarter that ended in Dec. 2025 was 3.19.
The historical rank and industry rank for Elmer Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
ELMA'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.56 Med: 4.09 Max: 9.21
Current: 3.19
During the past 13 years, Elmer Bancorp's highest Yield on Cost was 9.21. The lowest was 1.56. And the median was 4.09.
ELMA's 5-Year Yield-on-Cost % is ranked worse than 63.19% of 1255
companies
in the Banks industry
Industry Median: 3.88
vs ELMA: 3.19
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Elmer Bancorp 5-Year Yield-on-Cost % Related Terms
ELMA vs CNBZ, VWFB, CDAB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Elmer Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Elmer Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Elmer Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Elmer Bancorp is calculated as
Elmer Bancorp (ELMA) has a 5-Year Yield-on-Cost % of 3.19 as of Jul. 16, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Elmer Bancorp and its competitors. This is 22% below median its historical median of 4.09. Over the past decade, Elmer Bancorp's 5-Year Yield-on-Cost % has ranged from 1.56 to 9.21. According to the industry distribution chart, Elmer Bancorp ranks #793 out of 1255 companies in the Banks industry, placing it in the top 63.2%.
Is Elmer Bancorp's 5-Year Yield-on-Cost % too high?
Elmer Bancorp's current 5-Year Yield-on-Cost % of 3.19 is 22% below median its 10-year median of 4.09. Over the past 10 years, this metric has ranged from a low of 1.56 to a high of 9.21. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Elmer Bancorp's value of 3.19 is 17.8% below this industry median. Based on the distribution chart, Elmer Bancorp ranks #793 out of 1255 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 5-Year Yield-on-Cost % compare to CNBZ and VWFB?
According to the Banks industry distribution chart, Elmer Bancorp ranks #793 out of 1255 companies for 5-Year Yield-on-Cost %. This places Elmer Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. Elmer Bancorp's value of 3.19 is 17.8% below this benchmark. Historically, Elmer Bancorp's own 5-Year Yield-on-Cost % has ranged from 1.56 to 9.21 over the past decade. While the company's 10-year median is 4.09 vs. the industry median of 3.88, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Elmer Bancorp's current 5-Year Yield-on-Cost % of 3.19 is 17.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Elmer Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Elmer Bancorp's current 5-Year Yield-on-Cost % is 3.19, which is 22% below median its own 10-year median of 4.09. 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 $25.12, compared to a current price of $25.00 — trading 0.5% below its estimated fair value. The current 5-Year Yield-on-Cost % is 3.19, which is 22% below median its 10-year median of 4.09 and 17.8% below the Banks industry median of 3.88. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Elmer Bancorp (ELMA), the current 5-Year Yield-on-Cost % is 3.19 as of Jul. 16, 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 undervalued.
The current stock price of $25.00 is trading 0.5% below its estimated GF Value™ of $25.12.
GuruFocus considers Elmer Bancorp to be Fairly Valued.
Key valuation signals for ELMA:
5-Year Yield-on-Cost %: 3.19 (22% below median its 10-year median of 4.09)
GF Value™: $25.12 vs. price of $25.00 (0.5% below fair value)
Industry Position: 17.8% below the Banks median (#793 of 1255)
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
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