Elmer Bancorp, Inc.

ELMA

ELMAElmer Bancorp, Inc. US flag

Other OTC

27.00

USD

+0.75

- -

31.09MMarket Cap

Income Statement (USD)

API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	9	10	10	11	10	12	12	12	13	14	16	16	18
+ Sales & Services Revenue	9	10	10	11	10	12	12	12	13	14	16	16	18
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	-4	-3	-4	-4	- -	-9	-9	-9	-10	-10	-12	-12	-13
- Operating Expenses	- -	- -	- -	- -	- -	9	9	9	10	10	12	12	13
+ Selling, General & Admin	4	4	4	4	5	- -	- -	1	1	- -	- -	- -	1
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-4	-4	-4	-4	-5	9	9	9	9	10	11	12	13
Operating Income (Loss)	4	3	4	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	- -	- -	- -	- -	-3	-3	-3	-2	-3	-4	-4	-4	-4
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	- -	- -	- -	- -	-3	-3	-3	-2	-3	-4	-4	-4	-4
Pretax Income	4	3	4	4	3	3	3	2	3	4	4	4	4
- Income Tax Expense (Benefit)	1	1	2	2	1	1	1	1	1	1	1	1	1
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	2	2	2	2	2	2	2	1	2	3	3	3	3
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	2	2	2	2	2	2	2	1	2	3	3	3	3
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	2	2	2	2	2	2	2	1	2	3	3	3	3
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	2	2	2	2	2	2	2	1	2	3	3	3	3
EBIT	4	3	4	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	4	4	4	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	40.03	37.75	39.37	36.42	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITA	4	3	4	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	37.7	34.76	36.32	36.42	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	22.3	20.74	21.55	21.89	16.32	15.02	16.94	11.83	15.1	18.82	19.86	18.19	18.71
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	1.5	1.16	1	- -	- -	0.6	0.6	0.16	0.37	0.4	0.52	0.5	- -
Depreciation Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	- -
Basic EPS, GAAP	1.76	1.67	1.86	1.91	1.4	1.61	1.8	1.28	1.7	2.27	2.77	2.5	- -
Basic EPS from Cont Ops	1.76	1.67	1.86	1.91	1.4	1.61	1.8	1.28	1.7	2.27	2.77	2.5	- -
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	- -
Diluted EPS, GAAP	1.76	1.67	1.86	1.91	1.4	1.61	1.8	1.28	1.7	2.27	2.77	2.5	- -
Diluted EPS from Cont Ops	1.76	1.67	1.86	1.91	1.4	1.61	1.8	1.28	1.7	2.27	2.77	2.5	- -

Balance Sheet (USD)

API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	11	7	10	6	5	5	3	4	4	6	4	4	4
+ Cash & Cash Equivalents	11	7	10	6	5	5	3	4	4	6	4	4	4
+ ST Investments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	1	1	1	1	1	1	1	1	1	1	1	1	1
+ Accounts Receivable, Net	1	1	1	1	1	- -	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	1	1	1	1	1	1	1	1
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-12	-7	-11	-7	-6	-6	-4	-5	-5	-7	-5	-5	-5
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	- -	- -	- -	- -	- -	3	4	3	4	4	4	4	4
+ Property, Plant & Equip	- -	- -	- -	- -	- -	10	10	10	10	10	10	10	11
- Accumulated Depreciation	- -	- -	- -	- -	- -	6	6	6	6	6	6	6	7
+ LT Investments & Receivables	9	16	14	12	10	14	4	3	26	8	6	6	7
+ LT Investments	9	16	14	12	10	14	4	3	26	8	6	6	7
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-9	-16	-14	-12	-10	-17	-7	-7	-30	-12	-10	-10	-10
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-9	-16	-14	-12	-10	-17	-7	-7	-30	-12	-10	-10	-10
Total Assets	180	197	203	211	212	283	286	330	376	372	365	381	409
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	- -	2	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Borrowings	- -	2	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	- -	-2	- -	- -	-1	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	-2	- -	- -	-1	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	164	181	186	194	194	257	259	302	346	342	332	345	370
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	1	1	1	1	1	1	1	1	1	1	1	1	1
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	1	1	1	- -	- -	1	1	1	1	1	1	1	- -
- Treasury Stock	1	1	1	- -	- -	2	2	2	2	2	2	2	2
+ Retained Earnings	16	17	18	17	17	27	28	30	31	33	36	38	41
+ Other Equity	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Equity Before Minority Interest	16	17	18	17	18	25	27	28	29	29	33	35	39
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	16	17	18	17	18	25	27	28	29	29	33	35	39
Total Liabilities & Equity	180	197	203	211	212	283	286	330	376	372	365	381	409
Shares Outstanding	1	1	1	1	1	1	1	1	1	1	1	1	1
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-11	-5	-10	-6	-5	-5	-3	-4	-4	-6	-4	-4	-4
Net Debt to Equity	-70.17	-28.16	-55.37	-35.25	-25.82	-18.75	-12.42	-12.66	-13.79	-19.94	-13.39	-12.71	-11.33
Tangible Common Equity Ratio	8.99	8.5	8.76	8.28	8.4	8.91	9.36	8.53	7.84	7.89	8.98	9.29	9.54
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	2	2	2	- -	- -	2	2	1	2	3	3	3	3
+ Depreciation & Amortization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Non-Cash Items	- -	- -	- -	- -	- -	- -	- -	1	-1	- -	- -	- -	- -
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	- -	- -	- -	- -	- -	- -	1	-1	- -	- -	- -	-1
+ Chg in Non-Cash Work Cap	- -	-1	- -	- -	- -	- -	- -	-1	1	- -	- -	- -	- -
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	- -	-1	- -	- -	- -	- -	- -	- -	- -	1	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	3	2	3	- -	- -	2	2	1	2	3	4	2	3
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	-1	- -	- -
+ Acq of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	-1	- -	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Change in LT Investment	5	-7	2	- -	- -	3	2	4	-22	2	1	1	1
+ Dec in LT Investment	15	10	8	- -	- -	5	4	4	3	2	1	1	1
+ Inc in LT Investment	-10	-17	-6	- -	- -	-2	-2	- -	-25	- -	- -	- -	- -
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-20	-18	-5	- -	- -	-19	-5	-36	27	-26	-10	-25	-11
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-15	-25	-3	- -	- -	-16	-4	-33	4	-25	-9	-24	-11
+ Dividends Paid	-2	-1	-1	- -	- -	-1	-1	- -	- -	- -	-1	-1	-1
+ Net Cash From Debt	- -	2	-2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash From Debt	- -	2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Repayments of Debt	- -	- -	-2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Financing Activities	11	15	7	- -	- -	22	1	43	44	-4	-10	13	24
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	9	15	4	- -	- -	22	1	43	44	-5	-11	13	24
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-4	-7	4	- -	- -	8	- -	12	50	-27	-16	-9	16
EBITDA	4	4	4	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	40.03	37.75	39.37	36.42	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow	3	2	3	- -	- -	2	2	1	1	2	3	2	3
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	3	2	3	- -	- -	2	2	1	1	2	3	2	3
Free Cash Flow to Equity	- -	4	1	- -	- -	2	2	1	1	2	3	2	3
Free Cash Flow per Basic Share	2.13	1.58	2.24	- -	- -	1.96	1.84	1.07	1.08	1.85	2.69	1.85	- -
Price/Free Cash Flow	5.71	12.91	7.81	- -	- -	7.89	7.96	11.63	9.67	6.26	5.42	9.41	- -
Cash Flow to Net Income	1.21	0.95	1.2	- -	- -	1.29	1.19	0.92	0.89	1.05	1.13	0.84	0.98
Capital Expenditures	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	-1	- -	- -