ENBP

ENB Financial Corp

Price Chart

Latest Quote

$28.00

+0.13 (+0.47%)

Current Price

Previous Close	$27.87
Open	$28.00
Day High	$28.10
Day Low	$28.00
Volume	1,466

Fetched: 2026-06-20T06:31:20

Stock Information

Shares Outstanding	5.70M
Total Debt	$181.96M
Cash Equivalents	$90.69M
Revenue	$89.57M
Net Income	$21.27M
Sector	Financial Services
Industry	Banks - Regional
Market Cap	$159.71M
P/E Ratio	7.47
EPS (TTM)	$3.75
Exchange	OQX

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📊 Comprehensive Analysis

Company Data

Enterprise Value	$250.24M
Sales	$89.57M
Income	$21.27M
Book/sh	$28.65
Cash/sh	$15.90
Employees	305

Financial Ratios

EPS Growth TTM

-6.80%

Returns & Margins

ROA	0.92%
ROE	14.24%
Operating Margin	30.87%
Profit Margin	23.74%

Ownership

Insider Ownership	42.31%
Institutional Ownership	0.12%
Insider & Institutional transactions data not available

Valuation Ratios

P/S	1.78
P/B	0.98

Analyst Data

Recommendation

none

Technical Indicators

SMA20	$26.55
SMA50	$25.66
SMA200	$23.21
RSI	77.65
ATR	0.6186

Shares Float	5.56M
Volatility	0.28
Rel Volume	3.12

Performance History

Week	+3.32%
Month	+10.28%
Quarter	+15.57%
6 Months	+23.48%
YTD	+22.15%
Year	+65.19%
3 Years	+126.05%
5 Years	+55.34%
10 Years	+142.09%

Stock Score: ⭐ Premium

Based on debt, profitability, growth, and cash flow metrics

⭐ Premium Feature

Recent Price History

Date	Close	Volume
2026-06-18	$28.00	1,700
2026-06-17	$27.87	0
2026-06-16	$27.87	1,200
2026-06-15	$28.20	400
2026-06-12	$27.10	1,100
2026-06-11	$27.10	0
2026-06-10	$27.10	0
2026-06-09	$27.10	200
2026-06-08	$27.00	300
2026-06-05	$26.32	200
2026-06-04	$26.98	1,300
2026-06-03	$26.01	1,000
2026-06-02	$26.00	1,400
2026-06-01	$25.95	300
2026-05-29	$25.55	200
2026-05-28	$25.30	200
2026-05-27	$25.38	1,400
2026-05-26	$25.39	0
2026-05-22	$25.39	0
2026-05-21	$25.39	0
2026-05-20	$25.39	3,300
2026-05-19	$25.39	4,800

About ENB Financial Corp

ENB Financial Corp operates as the bank holding company for Ephrata National Bank that provides various financial services to individuals and small-to-medium-sized businesses in the United States. The company offers deposit products comprising non-interest bearing and interest-bearing demand deposits, NOW accounts, money market deposit accounts, savings accounts, and time deposits; and direct deposit and direct payments of funds through electronic funds transfer. Its loan portfolio consists of secured and unsecured commercial, agriculture loans, home equity loans, real estate, and consumer loans. In addition, the company offers ATM, telephone banking, debit and credit card, master card, visa, safe deposit box facilities, bill pay and wire transfer capabilities, remote deposit capture, and trust and investment advisory services. ENB Financial Corp was founded in 1881 and is headquartered in Ephrata, Pennsylvania.

📰 Latest News

ENB Financial (ENBP) Margin Expansion Reinforces Value Narrative, Challenges Market Skepticism

Simply Wall St. • 2025-10-22T07:13:14Z

Period:

Income Statement (Annual)

Metric	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Revenue
Total Revenue	$74,871,000	$66,738,000	$64,147,000	$58,452,000
Operating Revenue	$74,871,000	$66,738,000	$64,147,000	$58,452,000
Expenses
Interest Expense	$36,127,000	$23,838,000	$5,376,000	$3,020,000
Selling And Marketing Expense	$1,152,000	$1,404,000	$1,083,000	$992,000
General And Administrative Expense	$34,043,000	$30,152,000	$27,324,000	$24,465,000
Professional Expense And Contract Services Expense	$3,277,000	$3,198,000	$2,743,000	$2,099,000
Other Non Interest Expense	$12,128,000	$12,092,000	$10,693,000	$9,211,000
Income & Earnings
Net Income From Continuing Operation Net Minority Interest	$15,317,000	$12,375,000	$14,631,000	$14,916,000
Net Interest Income	$55,427,000	$52,936,000	$50,002,000	$40,173,000
Interest Income	$91,554,000	$76,774,000	$55,378,000	$43,193,000
Normalized Income	$15,317,000	$12,375,000	$14,631,000	$14,916,000
Net Income From Continuing And Discontinued Operation	$15,317,000	$12,375,000	$14,631,000	$14,916,000
Net Income Common Stockholders	$15,317,000	$12,375,000	$14,631,000	$14,916,000
Net Income	$15,317,000	$12,375,000	$14,631,000	$14,916,000
Net Income Including Noncontrolling Interests	$15,317,000	$12,375,000	$14,631,000	$14,916,000
Net Income Continuous Operations	$15,317,000	$12,375,000	$14,631,000	$14,916,000
Pretax Income	$18,625,000	$14,811,000	$16,918,000	$17,536,000
Per Share
Diluted EPS	$2.71	$2.19	$2.62	$2.68
Basic EPS	$2.71	$2.19	$2.62	$2.68
Other
Tax Effect Of Unusual Items	$0	$0	$0	$0
Tax Rate For Calcs	$0	$0	$0	$0
Reconciled Depreciation	$2,089,000	$2,004,000	$1,629,000	$1,560,000
Diluted Average Shares	$5,652,030	$5,650,685	$5,588,656	$5,565,672
Basic Average Shares	$5,652,030	$5,650,685	$5,588,656	$5,565,672
Diluted NI Availto Com Stockholders	$15,317,000	$12,375,000	$14,631,000	$14,916,000
Tax Provision	$3,308,000	$2,436,000	$2,287,000	$2,620,000
Gain On Sale Of Security	$159,000	$-1,496,000	$10,000	$1,054,000
Selling General And Administration	$35,195,000	$31,556,000	$28,407,000	$25,457,000
Salaries And Wages	$34,043,000	$30,152,000	$27,324,000	$24,465,000
Occupancy And Equipment	$4,631,000	$4,561,000	$4,086,000	$3,674,000
Other Gand A	-	-	$5,591,000	$4,420,000

Fetched: 2026-02-02

Balance Sheet (Annual)

Metric	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Assets
Net Tangible Assets	$130,984,000	$119,654,000	$97,335,000	$137,288,000
Total Assets	$2,219,831,000	$2,000,824,000	$1,858,716,000	$1,717,230,000
Cash And Cash Equivalents	$68,909,000	$88,996,000	$37,572,000	$158,449,000
Cash Financial	$7,794,000	$29,519,000	$28,935,000	$19,930,000
Cash Cash Equivalents And Federal Funds Sold	$68,909,000	$88,996,000	$37,572,000	$158,449,000
Debt
Net Debt	$114,629,000	$51,788,000	$75,863,000	-
Total Debt	$183,538,000	$140,784,000	$113,435,000	$63,886,000
Long Term Debt And Capital Lease Obligation	$123,538,000	$140,784,000	$97,435,000	$63,886,000
Long Term Debt	$123,538,000	$140,784,000	$97,435,000	$63,886,000
Current Debt And Capital Lease Obligation	$60,000,000	$0	$16,000,000	$0
Current Debt	$60,000,000	$0	$16,000,000	$0
Other Current Borrowings	$60,000,000	$0	$16,000,000	$0
Liabilities
Total Liabilities Net Minority Interest	$2,088,847,000	$1,881,170,000	$1,761,381,000	$1,579,942,000
Equity
Common Stock Equity	$130,984,000	$119,654,000	$97,335,000	$137,288,000
Total Equity Gross Minority Interest	$130,984,000	$119,654,000	$97,335,000	$137,288,000
Stockholders Equity	$130,984,000	$119,654,000	$97,335,000	$137,288,000
Gains Losses Not Affecting Retained Earnings	$-34,143,000	$-34,355,000	$-48,292,000	$3,441,000
Other Equity Adjustments	$-34,143,000	$-34,355,000	$-48,292,000	$3,441,000
Retained Earnings	$162,006,000	$150,596,000	$142,677,000	$131,856,000
Other
Treasury Shares Number	$83,844	$69,060	$103,581	$155,158
Ordinary Shares Number	$5,655,270	$5,670,054	$5,635,533	$5,583,956
Share Issued	$5,739,114	$5,739,114	$5,739,114	$5,739,114
Tangible Book Value	$130,984,000	$119,654,000	$97,335,000	$137,288,000
Invested Capital	$314,522,000	$260,438,000	$210,770,000	$201,174,000
Total Capitalization	$254,522,000	$260,438,000	$194,770,000	$201,174,000
Treasury Stock	$1,410,000	$1,233,000	$2,061,000	$3,103,000
Additional Paid In Capital	$3,957,000	$4,072,000	$4,437,000	$4,520,000
Capital Stock	$574,000	$574,000	$574,000	$574,000
Common Stock	$574,000	$574,000	$574,000	$574,000
Investments And Advances	$626,140,000	$469,020,000	$538,260,000	$567,075,000
Available For Sale Securities	$9,710,000	$9,451,000	$9,118,000	$8,982,000
Net PPE	$27,897,000	$25,284,000	$25,333,000	$24,476,000
Accumulated Depreciation	$-25,258,000	$-23,644,000	$-22,118,000	$-22,065,000
Gross PPE	$53,155,000	$48,928,000	$47,451,000	$46,541,000
Construction In Progress	$319,000	$275,000	$1,298,000	$369,000
Machinery Furniture Equipment	$11,828,000	$11,246,000	$10,330,000	$10,864,000
Buildings And Improvements	$32,522,000	$32,364,000	$30,780,000	$30,265,000
Land And Improvements	$8,486,000	$5,043,000	$5,043,000	$5,043,000
Other Short Term Investments	$616,430,000	$459,569,000	$529,142,000	$558,093,000

Fetched: 2026-02-02

Cash Flow Statement (Annual)

Metric	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Free Cash Flow
Free Cash Flow	$10,959,000	$28,062,000	$19,283,000	$11,734,000
Operating Activities
Operating Cash Flow	$15,815,000	$30,147,000	$21,616,000	$13,256,000
Cash Flow From Continuing Operating Activities	$15,815,000	$30,147,000	$21,616,000	$13,256,000
Operating Gains Losses	$-1,985,000	$729,000	$-1,312,000	$-6,580,000
Investing Activities
Capital Expenditure	$-4,856,000	$-2,085,000	$-2,333,000	$-1,522,000
Investing Cash Flow	$-237,881,000	$-90,316,000	$-315,809,000	$-195,237,000
Cash Flow From Continuing Investing Activities	$-237,881,000	$-90,316,000	$-315,809,000	$-195,237,000
Net Other Investing Changes	$-1,508,000	$208,000	$-1,290,000	$-4,161,000
Financing Activities
Repurchase Of Capital Stock	$-1,318,000	$-572,000	$-116,000	$-482,000
Issuance Of Capital Stock	$965,000	$973,000	$1,064,000	$885,000
Financing Cash Flow	$201,979,000	$111,593,000	$173,316,000	$245,491,000
Cash Flow From Continuing Financing Activities	$201,979,000	$111,593,000	$173,316,000	$245,491,000
Cash Dividends Paid	$-3,907,000	$-3,837,000	$-3,810,000	$-3,730,000
Common Stock Dividend Paid	$-3,907,000	$-3,837,000	$-3,810,000	$-3,730,000
Net Common Stock Issuance	$-353,000	$401,000	$948,000	$403,000
Common Stock Issuance	$965,000	$973,000	$1,064,000	$885,000
Other
Repayment Of Debt	$-17,406,000	$-13,816,000	$0	$-10,584,000
Issuance Of Debt	$0	$57,005,000	$49,433,000	$0
Interest Paid Supplemental Data	$35,161,000	$22,232,000	$5,030,000	$3,089,000
Income Tax Paid Supplemental Data	$3,200,000	$2,000,000	$1,900,000	$2,875,000
End Cash Position	$68,909,000	$88,996,000	$37,572,000	$158,449,000
Beginning Cash Position	$88,996,000	$37,572,000	$158,449,000	$94,939,000
Changes In Cash	$-20,087,000	$51,424,000	$-120,877,000	$63,510,000
Common Stock Payments	$-1,318,000	$-572,000	$-116,000	$-482,000
Net Issuance Payments Of Debt	$42,594,000	$27,189,000	$49,433,000	$-10,584,000
Net Short Term Debt Issuance	$60,000,000	$-16,000,000	$16,000,000	$0
Net Long Term Debt Issuance	$-17,406,000	$43,189,000	$33,433,000	$-10,584,000
Long Term Debt Payments	$-17,406,000	$-13,816,000	$0	$-10,584,000
Long Term Debt Issuance	$0	$57,005,000	$33,433,000	$0
Net Investment Purchase And Sale	$-164,142,000	$81,063,000	$-41,718,000	$-93,350,000
Sale Of Investment	$53,671,000	$92,954,000	$82,455,000	$154,451,000
Purchase Of Investment	$-217,813,000	$-11,891,000	$-124,173,000	$-247,801,000
Net Intangibles Purchase And Sale	$-551,000	$-533,000	$-141,000	$-486,000
Purchase Of Intangibles	$-551,000	$-533,000	$-141,000	$-486,000
Net PPE Purchase And Sale	$-4,305,000	$-1,552,000	$-2,192,000	$-1,036,000
Purchase Of PPE	$-4,305,000	$-1,552,000	$-2,192,000	$-1,036,000
Change In Working Capital	$-1,574,000	$4,056,000	$3,087,000	$-5,605,000
Change In Other Working Capital	$-932,000	$2,909,000	$4,144,000	$-4,926,000
Change In Payables And Accrued Expense	$966,000	$1,606,000	$346,000	$-71,000
Change In Payable	$966,000	$1,606,000	$346,000	$-71,000
Change In Account Payable	$966,000	$1,606,000	$346,000	$-71,000
Change In Receivables	$-1,608,000	$-459,000	$-1,403,000	$-608,000
Changes In Account Receivables	$-1,608,000	$-459,000	$-1,403,000	$-608,000
Other Non Cash Items	$-3,077,000	$5,384,000	$-3,014,000	$4,481,000
Stock Based Compensation	$61,000	$62,000	$11,000	$0
Deferred Tax	$272,000	$168,000	$-65,000	$-15,000
Deferred Income Tax	$272,000	$168,000	$-65,000	$-15,000
Depreciation Amortization Depletion	$2,089,000	$2,004,000	$1,629,000	$1,560,000
Depreciation And Amortization	$2,089,000	$2,004,000	$1,629,000	$1,560,000
Gain Loss On Investment Securities	$-159,000	$1,496,000	$-10,000	$-1,054,000
Net Income From Continuing Operations	$15,317,000	$12,375,000	$14,631,000	$14,916,000
Short Term Debt Payments	-	$-16,000,000	$0	-
Short Term Debt Issuance	-	$0	$16,000,000	-
Depreciation	-	-	$1,629,000	$1,560,000

Fetched: 2026-02-02