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ELMA Dividend DRIP Calculator 2026
2.35% YieldFinancial ServicesElmer Bancorp, Inc. · OTC
Price: $25.50 · Annual div: $0.60/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
💡 What-if scenarios
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🎯 When ELMA pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in ELMA → $3.33M in 10 years · $35,386.66/month
About Elmer Bancorp, Inc. (ELMA) — Dividend Analysis 2026
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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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 ELMA Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold ELMA.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.35% | -0.45% | $235 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.00% | -0.80% | $200 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.88% | -0.92% | $188 / yr |
| 🇬🇧 UK ISA | 0% | 2.35% | -0.45% | $235 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.14% | -0.66% | $214 / yr |
| 🇨🇦 TFSA | 0% | 2.35% | -0.45% | $235 / yr |
| 🇨🇦 CA Taxable | 25% | 1.76% | -1.04% | $176 / yr |
| 🇦🇺 Super (pension) | 15% | 2.00% | -0.80% | $200 / yr |
| 🇦🇺 AU Taxable | 30% | 1.65% | -1.15% | $165 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.73% | -1.07% | $173 / yr |
| 🇫🇷 FR Taxable | 30% | 1.65% | -1.15% | $165 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 ELMA Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.60/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 ELMA Dividend Payment Schedule
ELMA pays quarterly — 4 times per year. Next ex-div: TBD.
📊 ELMA vs Financial Services Benchmarks
How ELMA compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for ELMA sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ ELMA Insider Activity
No recent SEC filings reported in the last 90 days.Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the ELMA dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Elmer Bancorp, Inc. (ELMA) is currently trading at $25.50, trading near its 52-week high. The current dividend yield is 2.35% based on an annual payout of $0.60 per share.
ELMA (Elmer Bancorp, Inc.) — 2.35% Dividend Yield Analysis
Elmer Bancorp, Inc. (ELMA) is a financial services stock currently trading at $25.50 with a dividend yield of 2.35%. The company pays an annual dividend of $0.60 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, ELMA has grown its dividend at a compound annual rate of 100.0%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.