ELMA

Elmer Bancorp, Inc. [ELMA] Stock Forecast

Q: What is Elmer Bancorp, Inc. stock symbol ?

Elmer Bancorp, Inc. is a US stock, located in Elmer of Nj and trading under the symbol ELMA

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ELMA Stock Summary

Earnings have grown 19.24% per last year.

EPS has been increasing for the past 3 years (Yearly statements)

Earnings are expected to fall -100% next year

EPS has been decreasing for the past 3 quarters (Quarter statements)

Profit margins (0.16%) are lower than the previous year (0.18%)

In the News

ELMA Financial details

Company Rating

Buy

Market Cap

23.3M

Income

3.18M

Revenue

17.42M

Book val./share

28.47

Cash/share

Dividend

0.4

Dividend %

2.16%

Employees

Optionable

Shortable

Yes

Earnings

P/E

Forward P/E

PEG

P/S

2.2

P/B

P/C

P/FCF

Quick Ratio

20.88

Current Ratio

20.88

Debt / Equity

LT Debt / Equity

EPS (TTM)

2.78

EPS next Y

EPS next Q

EPS this Y

22.03%

EPS next Y

EPS next 5Y

EPS last 5Y

Revenue last 5Y

5.59%

Revenue Q/Q

EPS Q/Q

-16.42%

SMA20

0.85%

SMA50

3.82%

SMA100

Inst Own

Inst Trans

ROA

ROE

10%

ROC

0.01%

Gross Margin

100%

Oper. Margin

27%

Profit Margin

16%

Payout

Shs Outstand

Shs Float

Target Price

52W Range

17.85-19.5

52W High

-0.53%

52W Low

+11.18%

RSI

42.51

Rel Volume

0.49

Avg Volume

206

Volume

100

Perf Week

-0.79%

Perf Month

2.16%

Perf Quarter

Perf Half Y

4.13%

Beta

0.557

Volatility

0.06%, 0.23%

Prev Close

-1.05%

Price

18.9

Change

-1.05%

ELMA Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2023-12-31

Metric	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	11.56	11.63	11.99	12.71	15.15
Net income per share	1.8	1.28	1.7	2.27	2.77
Operating cash flow per share	2.22	1.63	2.54	2.72	0
Free cash flow per share	0.17	0.3	2.12	2.2	0
Cash per share	18.41	28.5	71.87	48.49	0
Book value per share	23.33	24.56	25.66	25.49	28.47
Tangible book value per share	23.33	24.56	25.66	25.49	317.24
Share holders equity per share	23.33	24.56	25.66	25.49	28.47
Interest debt per share	0	0	0	0	0
Market cap	22.37M	17.23M	21.53M	20.9M	22.12M
Enterprise value	1.25M	-15.51M	-61.01M	-34.84M	22.12M
P/E ratio	10.83	11.72	11.05	8.02	6.95
Price to sales ratio	1.69	1.29	1.56	1.43	1.27
POCF ratio	8.79	9.19	7.37	6.67	0
PFCF ratio	114.01	49.19	8.86	8.28	0
P/B Ratio	0.84	0.61	0.73	0.71	0.68
PTB ratio	0.84	0.61	0.73	0.71	0.68
EV to sales	0.09	-1.16	-4.43	-2.39	1.27
Enterprise value over EBITDA	0.44	-7.76	-22.77	-9.63	0
EV to operating cash flow	0.49	-8.28	-20.87	-11.13	0
EV to free cash flow	6.37	-44.28	-25.11	-13.81	0
Earnings yield	0.09	0.09	0.09	0.12	0.14
Free cash flow yield	0.01	0.02	0.11	0.12	0
Debt to equity	0	0	0	0	0
Debt to assets	0	0	0	0	0
Net debt to EBITDA	-7.37	-16.39	-30.81	-15.4	0
Current ratio	0.21	0.26	0.57	0.42	0
Interest coverage	0	0	0	0	0
Income quality	1.23	1.28	1.5	1.2	0
Dividend Yield	0.03	0.01	0.02	0.02	0
Payout ratio	0.33	0.13	0.22	0.18	0
Sales general and administrative to revenue	0.11	0.14	0.13	0.11	0
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.88	0.86	0.74	0.8	0
Capex to operating cash flow	-0.92	-0.81	-0.17	-0.19	0
Capex to revenue	-0.18	-0.11	-0.04	-0.04	0
Capex to depreciation	-8.99	-5.91	-1.92	-2.07	0
Stock based compensation to revenue	0	0	0	0	0
Graham number	30.75	26.59	31.3	36.05	42.11
ROIC	0.07	0.05	0.06	0.08	0.38
Return on tangible assets	0.06	0.03	0.02	0.03	0.01
Graham Net	-207.42	-234.67	-229.59	-249.26	0
Working capital	-85.95M	-97.17M	-63.35M	-79.78M	0
Tangible asset value	-225.34M	-255.42M	-249.64M	-267.37M	364.58M
Net current asset value	-236.43M	-268.15M	-263.03M	-283.72M	0
Invested capital	0	0	0	0	0
Average receivables	0	0	0	0	0
Average payables	0	0	0	0	0
Average inventory	0	0	0	0	0
Days sales outstanding	0	0	0	0	0
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	0	0	0	0	0
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.08	0.05	0.07	0.09	0.1
Capex per share	-2.05	-1.33	-0.43	-0.53	0

Quarterly Fundamentals Overview

Last date of statement is 2023-12-31 for Q4

Metric	2022-12-31	2023-03-31	2023-06-30	2023-09-30	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	3.61	3.64	3.83	3.76	3.91
Net income per share	0.89	0.72	0.83	0.67	0.56
Operating cash flow per share	0.02	0	0	0	0
Free cash flow per share	0.02	0	0	0	0
Cash per share	48.49	0	0	0	0
Book value per share	25.49	26.74	27.05	27.49	28.47
Tangible book value per share	25.49	322.78	313.92	307.37	317.23
Share holders equity per share	25.49	26.74	27.05	27.49	28.47
Interest debt per share	0	0	0	0	0
Market cap	20.9M	21.34M	21.51M	21.46M	22.12M
Enterprise value	-34.84M	21.34M	21.51M	21.46M	22.12M
P/E ratio	5.1	6.48	5.67	6.96	8.67
Price to sales ratio	5.03	5.09	4.88	4.96	4.92
POCF ratio	1.02K	0	0	0	0
PFCF ratio	1.02K	0	0	0	0
P/B Ratio	0.71	0.69	0.69	0.68	0.68
PTB ratio	0.71	0.69	0.69	0.68	0.68
EV to sales	-8.39	5.09	4.88	4.96	4.92
Enterprise value over EBITDA	-24.22	18.51	16.15	0	0
EV to operating cash flow	-1.71K	0	0	0	0
EV to free cash flow	-1.71K	0	0	0	0
Earnings yield	0.05	0.04	0.04	0.04	0.03
Free cash flow yield	0	0	0	0	0
Debt to equity	0	0	0	0	0
Debt to assets	0	0	0	0	0
Net debt to EBITDA	-38.75	0	0	0	0
Current ratio	0.42	0	0	0	0
Interest coverage	0	0	0	0	0
Income quality	0.02	0	0	0	0
Dividend Yield	0	0	0	0	0
Payout ratio	0	0	0	0	0
Sales general and administrative to revenue	0.4	0	0	0	0
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.8	0	0	0	0
Capex to operating cash flow	0	0	0	0	0
Capex to revenue	0	0	0	0	0
Capex to depreciation	0	0	0	0	0
Stock based compensation to revenue	0	0	0	0	0
Graham number	22.61	20.75	22.41	20.36	18.86
ROIC	0.03	0.03	0.03	0.1	0.1
Return on tangible assets	0.01	0	0	0	0
Graham Net	-249.25	0	0	0	0
Working capital	-79.78M	0	0	0	0
Tangible asset value	-267.37M	371.1M	361.08M	353.68M	364.58M
Net current asset value	-283.72M	0	0	0	0
Invested capital	0	0	0	0	0
Average receivables	0	0	0	0	0
Average payables	0	0	0	0	0
Average inventory	0	0	0	0	0
Days sales outstanding	0	0	0	0	0
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	0	0	0	0	0
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.03	0.03	0.03	0.02	0.02
Capex per share	0	0	0	0	0

ELMA Dividend History

ELMA Frequently Asked Questions

What is Elmer Bancorp, Inc. stock symbol ?

Elmer Bancorp, Inc. is a US stock , located in Elmer of Nj and trading under the symbol ELMA

What is Elmer Bancorp, Inc. stock quote today ?

Elmer Bancorp, Inc. stock price is $18.9 today.

Is Elmer Bancorp, Inc. stock public?

Yes, Elmer Bancorp, Inc. is a publicly traded company.

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Company Profile

Volume Average 206
Market Capitalization 23.3M
CEO Mr. Brian W. Jones
Headquarters Elmer,NJ,US
IPO Date 1994-08-24
Website https://www.elmerbank.com

Elmer Bancorp, Inc. operates as the bank holding company for The First National Bank of Elmer that provides various business and personal banking products and services. It provides checking, money market, savings, NOW, Christmas club, and individual retirement accounts; and certificates of deposit. The company also offers business loans comprising owner occupied real estate, investment real estate, agricultural, business expansion, vehicle, term, construction, and construction to permanent loans, as well as business lines of credit and letters of credit; and small business administration loans, term loans, home equity loans, lines of credit, residential mortgages, consumer loans, and commercial mortgages. In addition, it provides merchant, cash management, remote deposit capture, and electronic bill payments services; mobile, text message, and online banking services; VISA check cards; and debit and credit cards. The company offers its products and services through six full-service branch offices located in Cumberland, Gloucester, and Salem Counties, New Jersey. Elmer Bancorp, Inc. was founded in 1903 and is based in Elmer, New Jersey.