Elmer Bancorp, Inc. Financial Ratios — ELMA Stock

Profitability (USD)

	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

Return on Common Equity (%)	- -	12.15	12.93	13.21	9.52	8.6	7.96	5.35	6.76	8.86	10.26	8.37	8.87
Return on Assets (%)	- -	1.06	1.12	1.12	0.79	0.75	0.73	0.48	0.55	0.7	0.86	0.77	0.84
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	11.53	12.29	13.21	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	40.03	37.75	39.37	36.42	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	37.7	34.76	36.32	36.42	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	-97.38	57.47	40.28	1,120.81	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	37.7	34.76	36.33	36.42	26.67	20.68	23.49	16.08	20.76	26.15	27.82	24.58	24.14
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
Net Income to Common 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
Effective Tax Rate (%)	40.85	40.35	40.68	39.89	38.81	27.36	27.89	26.44	27.25	28.03	28.63	26.02	22.48
Dvd Payout Ratio (%)	85.38	69.15	53.64	- -	- -	37.18	33.31	12.51	21.83	17.68	18.85	20.07	17.42
Sustainable Growth Rate (%)	- -	3.75	6	13.21	9.52	5.4	5.31	4.68	5.28	7.3	8.33	6.69	7.33

Credit (USD)

Credit Ratios 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 Debt	- -	2	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	2	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	0.49	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-3	-1.29	-2.41	-1.59	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	0.54	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-3.19	-1.41	-2.62	-1.59	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	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
Long-Term Debt/Equity (%)	- -	10.73	- -	- -	3.78	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	9.69	- -	- -	3.65	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	0.91	- -	- -	0.32	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	10.73	- -	- -	3.78	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	9.69	- -	- -	3.65	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	0.91	- -	- -	0.32	- -	- -	- -	- -	- -	- -	- -	- -
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
Net Debt/Capital (%)	-235.19	-39.19	-124.04	-54.45	-34.8	-23.08	-14.19	-14.49	-15.99	-24.9	-15.46	-14.56	-12.78
EBITDA	4	4	4	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	4	4	4	4	- -	- -	- -	- -	- -	-1	-1	- -	- -
Operating Income (Loss)	4	3	4	4	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios 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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	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
Long-Term Debt/Equity (%)	- -	10.73	- -	- -	3.78	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	9.69	- -	- -	3.65	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	0.91	- -	- -	0.32	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	10.73	- -	- -	3.78	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	9.69	- -	- -	3.65	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	0.91	- -	- -	0.32	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Total Liabilities	1.56	1.05	1.45	- -	- -	0.92	0.95	0.45	0.5	0.8	1.08	0.7	0.88
CFO/CapEx	- -	- -	- -	- -	- -	17.61	7.03	10.97	3.52	4.49	7.16	8.31	8.49
Altman's Z-Score	0.3	0.31	0.3	0.33	0.23	0.22	0.23	0.2	0.19	0.2	0.22	0.23	0.23

Working Capital (USD)

Working Capital Ratios 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

Accounts Receivable Turnover	- -	14.31	13.34	12.68	11.77	27.95	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	25.51	27.35	28.8	31	13.06	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value 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

Market Capitalization	15	25	21	34	24	20	22	17	22	21	22	25	26
- Cash & Cash Equivalents	11	7	10	6	5	5	3	4	4	6	4	4	4
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	2	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	3	20	11	28	19	15	19	14	17	15	18	21	22
Total Capital	16	19	18	17	19	25	27	28	29	29	33	35	39
Total Debt/Capital (%)	- -	9.69	- -	- -	3.65	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt / EV	- -	0.09	- -	- -	0.04	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	0.34	2.08	1.1	2.63	1.84	1.23	1.56	1.1	1.36	1.09	1.1	1.33	1.25
EV/EBITDA	0.85	5.52	2.81	7.22	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	0.91	5.99	3.04	7.22	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	1.26	10.62	4.26	- -	- -	6.37	7.75	10.08	10.09	5.52	4.92	8.7	6.78
EV/Free Cash Flow to Firm	1.26	10.62	4.26	- -	- -	6.03	6.79	9.24	7.86	4.52	4.31	7.76	6.07
Diluted Market Cap	15	24	21	34	24	20	22	17	22	21	22	25	- -
Diluted Enterprise Value	3	20	11	28	19	15	19	14	17	15	18	21	-4
EV per Share	2.69	16.51	9.4	22.95	15.73	13.19	16.61	11.89	15.22	13.11	15.42	18.27	19.15
TTM Sales	9	10	10	11	10	12	12	12	13	14	16	16	18
TTM EBITDA	4	4	4	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	4	3	4	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3	2	3	- -	- -	2	2	1	2	3	4	2	3
TTM Free Cash Flow to Firm	3	2	3	- -	- -	3	3	1	2	3	4	3	4

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	5.71	12.91	7.81	- -	- -	7.89	7.96	11.63	9.67	6.26	5.42	9.41	- -
EV/EBIT	0.91	5.99	3.04	7.22	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	3	20	11	28	19	15	19	14	17	15	18	21	22
Low Price	24	24.05	29	25.1	19.55	17.26	17.3	13	15	16.1	17.85	18.45	20.35
EV/Sales	0.34	2.08	1.1	2.63	1.84	1.23	1.56	1.1	1.36	1.09	1.1	1.33	1.25
EV/EBITDA	0.85	5.52	2.81	7.22	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	6.93	12.2	9.4	14.65	14	10.72	10.83	11.7	11.03	8.01	6.95	8.88	- -
Price/Earnings Average	6.9	9.71	10.08	14.31	18.7	11.7	10.14	12.13	10.92	8.01	6.76	8.09	- -
Price/Earnings High	14.51	23.35	22.18	18.32	22.92	12.39	11.57	15.99	12.06	8.81	7.14	8.88	- -
Price/Earnings Low	13.66	14.4	15.59	13.14	14	10.7	9.6	10.14	8.82	7.1	6.44	7.38	- -
Price/Book Value	0.9	1.48	1.2	1.95	1.32	0.79	0.84	0.61	0.73	0.71	0.67	0.72	0.68
Price/Book Value Average	0.9	1.18	1.28	1.91	1.76	0.86	0.78	0.63	0.72	0.71	0.65	0.65	0.65
Price/Book Value High	1.89	2.84	2.82	2.44	2.16	0.91	0.89	0.84	0.8	0.79	0.69	0.72	0.69
Price/Book Value Low	1.78	1.75	1.99	1.75	1.32	0.79	0.74	0.53	0.59	0.63	0.62	0.6	0.6
Price/Tangible Book Value	0.9	1.48	1.2	1.95	1.32	0.79	0.84	0.61	0.73	0.71	0.67	0.72	0.68
Price/Tangible Book Value Average	0.9	1.18	1.28	1.91	1.76	0.86	0.78	0.63	0.72	0.71	0.65	0.65	0.65
Price/Tangible Book Value High	1.89	2.84	2.82	2.44	2.16	0.91	0.89	0.84	0.8	0.79	0.69	0.72	0.69
Price/Tangible Book Value Low	1.78	1.75	1.99	1.75	1.32	0.79	0.74	0.53	0.59	0.63	0.62	0.6	0.6
Price/Sales	1.54	2.53	2.03	3.21	2.29	1.61	1.83	1.38	1.67	1.51	1.38	1.62	- -
Price/Sales Average	1.54	2.01	2.17	3.13	3.05	1.76	1.72	1.43	1.65	1.51	1.34	1.47	- -
Price/Sales High	3.24	4.84	4.78	4.01	3.74	1.86	1.96	1.89	1.82	1.66	1.42	1.62	- -
Price/Sales Low	3.05	2.99	3.36	2.88	2.29	1.61	1.63	1.2	1.33	1.34	1.28	1.34	- -
Price/Cash Flow	5.71	12.91	7.81	- -	- -	8.34	9.09	12.69	12.4	7.64	6.17	10.54	- -
Price/Cash Flow Average	5.69	10.27	8.38	- -	- -	9.11	8.51	13.14	12.27	7.63	6	9.59	- -
Price/Cash Flow High	11.96	24.7	18.43	- -	- -	9.64	9.72	17.34	13.56	8.4	6.34	10.54	- -
Price/Cash Flow Low	11.26	15.23	12.96	- -	- -	8.32	8.07	10.99	9.92	6.77	5.72	8.76	- -
Price/Free Cash Flow Average	5.69	10.27	8.38	- -	- -	8.62	7.45	12.05	9.57	6.25	5.27	8.57	- -
Price/Free Cash Flow High	11.96	24.7	18.43	- -	- -	9.13	8.51	15.9	10.57	6.88	5.57	9.41	- -
Price/Free Cash Flow Low	11.26	15.23	12.96	- -	- -	7.88	7.06	10.08	7.74	5.54	5.02	7.82	- -
EV/Sales Average	0.34	1.56	1.25	2.55	2.6	1.38	1.45	1.15	1.34	1.09	1.06	1.19	1.19
EV/Sales High	2.03	4.43	3.9	3.43	3.29	1.48	1.69	1.61	1.51	1.24	1.14	1.33	1.28
EV/Sales Low	1.84	2.55	2.46	2.3	1.84	1.23	1.36	0.91	1.02	0.92	1	1.06	1.08
EV/EBITDA Average	0.84	4.12	3.18	7.01	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	5.08	11.74	9.9	9.42	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	4.6	6.74	6.24	6.31	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	0.89	4.48	3.45	7.01	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	5.39	12.75	10.73	9.42	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	4.89	7.32	6.76	6.31	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	12.17	20.38	17.49	28	19.55	17.3	19.5	15	18.75	18.18	19.25	22.2	22.99
High Price	25.5	39	41.25	35	32	20	20.84	20.5	20.5	20	19.8	22.2	23.45
Enterprise Value Average	3	15	13	27	27	17	18	14	17	15	17	19	21
Enterprise Value High	19	43	40	37	34	18	21	20	20	17	18	21	23
Enterprise Value Low	17	25	26	24	19	15	17	11	13	13	16	17	19

Shares Outstanding	1	1	1	1	1	1	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	- -
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	- -
Revenue per Share	7.88	8.05	8.63	8.73	8.56	10.74	10.64	10.83	11.26	12.06	13.96	13.74	- -
EBITDA per Share	3.15	3.04	3.4	3.18	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	2.97	2.8	3.14	3.18	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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	- -
Dividend per Share	1.5	1.16	1	- -	- -	0.6	0.6	0.16	0.37	0.4	0.52	0.5	- -
Cash Flow per Share	2.13	1.58	2.24	- -	- -	2.07	2.14	1.18	1.51	2.38	3.12	2.11	- -
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	- -
Cash & Equivalents per Share	9.48	5.35	8.09	5.05	4.38	4.11	2.89	3.11	3.53	5.07	3.83	3.93	3.84
Book Value per Share	13.51	13.76	14.61	14.32	14.81	21.93	23.3	24.55	25.62	25.45	28.63	30.91	33.91
Tangible Book Value per Share	13.51	13.76	14.61	14.32	14.81	21.93	23.3	24.55	25.62	25.45	28.63	30.91	33.91

Elmer Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)