Elmer Bancorp, Inc. (ELMA)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 12 | 13 | 14 | 15 | 16 | 18 | 19 | - |
| Operating profit | $m | 4 | 4 | ||||||
| Net profit | $m | 1 | 2 | 3 | 3 | 3 | 3 | 3 | - |
| EPS reported | $ | 2.89 | 2.52 | ||||||
| Operating cashflow per share | $ | 2.84 | 0.00 | ||||||
| Capex per share | $ | 0.33 | 0.00 | ||||||
| FCF per share | $ | 2.51 | 0.00 | ||||||
| Free cash flow | $m | 3 | 0 | ||||||
| Net debt | $m | -46 | -39 | ||||||
| Book value equity | $m | 39 | 40 | ||||||
| Book value per share | $ | 34.13 | 34.89 | ||||||
| Number of shares | m | 1.14 | 1.15 | ||||||
| DPS (TTM paid) | $ | 0.70 | 0.60 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 7.96 | 10.91 | ||||||
| P/B LTM | x | 0.67 | 0.66 | ||||||
| P/S LTM | x | 1.49 | 1.40 | ||||||
| P/FCF LTM | x | 9.17 | 0.00 | ||||||
| EV/EBITDA LTM | x | -4.29 | -5.18 | ||||||
| EV/Sales LTM | x | -0.91 | 0.25 | ||||||
| Earnings Yield LTM | % | +12.56% | +9.17% | ||||||
| FCF Yield | % | +10.90% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +8.46% | +7.32% | ||||||
| ROIC | % | +0.81% | +1.31% | ||||||
| Operating margin | % | +19.23% | +33.97% | ||||||
| Gross margin | % | +78.97% | +83.04% | ||||||
| FCF/Sales | % | +12.95% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +15.60% | +0.80% | ||||||
| Sales Growth YoY | % | +12.57% | +20.14% | ||||||
| Net Income Growth YoY | % | +15.82% | +1.54% | ||||||
| FCF Growth | % | +35.57% | -100.00% | ||||||
| Operating Profit Growth | % | +10.53% | +0.88% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.19% | +2.29% | ||||||
| Dividend Growth | % | +40.00% | +20.00% | ||||||
| Payout Ratio | % | +17.40% | 0.00% | ||||||
| FCF/Debt | x | - | - | ||||||
| Net Debt/EBITDA | x | -9.91 | -6.57 | ||||||
| EBIT/Net interest | x | 0.95 | 3.17 | ||||||
| Net debt/market cap | % | 0.00% | 0.00% | ||||||
| Net debt/Equity | x | -1.19 | -0.98 | ||||||
| Gross debt/equity | x | 0.00 | 0.00 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Elmer Bancorp, Inc. serves as the parent entity for The First National Bank of Elmer, delivering a comprehensive range of financial solutions to both commercial and individual clients. Its array of deposit products includes checking, money market, savings, NOW, Christmas club, and individual retirement accounts, alongside various certificates of deposit. For financing needs, the institution provides a diverse portfolio of lending options, such as loans for owner-occupied real estate, investment properties, and agricultural ventures, as well as financing for business expansion, vehicle purchases, term loans, and construction projects (including construction-to-permanent solutions). They also extend business lines of credit, letters of credit, and Small Business Administration (SBA) loans. Furthermore, the bank offers home equity loans, general lines of credit, residential and commercial mortgages, and consumer loans. Beyond traditional accounts and lending, Elmer Bancorp enhances its services with merchant processing, cash management tools, remote deposit capture, and electronic bill payments. Customers can also access mobile, text message, and online banking platforms, in addition to utilizing VISA check cards, debit cards, and credit cards. These offerings are accessible via a network of six full-service branch locations spread across Cumberland, Gloucester, and Salem Counties in New Jersey. Established in 1903, the corporation maintains its principal office in Elmer, New Jersey.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Elmer Bancorp, Inc. serves as the parent entity for The First National Bank of Elmer, delivering a comprehensive range of financial solutions to both commercial and individual clients. Its array of deposit products includes checking, money market, savings, NOW, Christmas club, and individual retirement accounts, alongside various certificates of deposit. For financing needs, the institution provides a diverse portfolio of lending options, such as loans for owner-occupied real estate, investment properties, and agricultural ventures, as well as financing for business expansion, vehicle purchases, term loans, and construction projects (including construction-to-permanent solutions). They also extend business lines of credit, letters of credit, and Small Business Administration (SBA) loans. Furthermore, the bank offers home equity loans, general lines of credit, residential and commercial mortgages, and consumer loans. Beyond traditional accounts and lending, Elmer Bancorp enhances its services with merchant processing, cash management tools, remote deposit capture, and electronic bill payments. Customers can also access mobile, text message, and online banking platforms, in addition to utilizing VISA check cards, debit cards, and credit cards. These offerings are accessible via a network of six full-service branch locations spread across Cumberland, Gloucester, and Salem Counties in New Jersey. Established in 1903, the corporation maintains its principal office in Elmer, New Jersey.
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