OTC · Banks - Regional

ENB Financial Corp (ENBP) Stock

$29.26 +0.90% OTC: ENBP Financial Services

ENB Financial Corp functions as the parent company for Ephrata National Bank, providing a comprehensive suite of financial services to individuals and small to mid-sized enterprises across Pennsylvania, United States. Its deposit offerings feature both interest-bearing and non-interest-bearing checking accounts, NOW accounts, money market accounts, savings accounts, and time-based certificates of deposit.

Valuation

MetricValue
Price$29.26
Market Cap$166.89M
P/E Ratio7.82
P/B Ratio1.02
P/S Ratio1.53
EPS (TTM)$3.74
52-Week High$29.26
52-Week Low$17.31
Dividend Yield2.46%

Financials & Margins

MetricValue
ROE13.81%
ROA0.88%
ROCE1.12%
Gross Margin82.28%
Operating Margin24.34%
Net Margin19.55%
Debt/Equity0.73
Current Ratio9.55

Annual Financials (USD)

Metric20212022202320242025
Revenue$61.0M$70.0M$91.0M$111.0M$87.0M
Operating Profit$18.0M$17.0M$15.0M$19.0M$27.0M
Net Profit$15.0M$15.0M$12.0M$15.0M$22.0M
EPS$2.68$2.62$2.19$2.71$3.80
Op Margin28.5%24.3%16.4%16.8%30.8%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.7B$1.9B$2.0B$2.2B$2.3B
Total Liabilities$1.6B$1.8B$1.9B$2.1B$2.1B
Cash$158.0M$38.0M$89.0M$69.0M$7.0M
Borrowings$64.0M$113.0M$141.0M$184.0M$128.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$13.0M$22.0M$30.0M$16.0M$22.0M
Investing Cash Flow$-197.0M$-318.0M$-92.0M$-243.0M$-44.0M
Financing Cash Flow$259.0M$128.0M$87.0M$162.0M$-17.0M
Net Cash Flow$64.0M$-121.0M$51.0M$-20.0M$-8.0M
Free Cash Flow$12.0M$19.0M$28.0M$11.0M$16.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.23
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y72.62%
Return 3Y127.75%
Return 5Y63.15%

Ownership

Insiders Held42.31%
Institutions Held0.12%
Institutions Float Held0.21%
Institutional HolderSharesReport Date
Kerr Financial Planning Corp5,0002026-06-30
Comprehensive Financial Planning, Inc./pa 1,8782026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BKUTKBank of Utica $630.51 +0.00% 4.85 $157.87M 3.09%
BMBNBenchmark Bankshares, Inc. $42.99 +0.02% 9.31 $191.64M 2.33%
CMTV $40.04 -1.48% 12.84 $223.87M 3.22%
CSBBCSB Bancorp, Inc. $72.50 +0.00% 13.50 $190.46M 2.37%
EMYBEmbassy Bancorp, Inc. $21.90 +0.00% 11.47 $162.38M 2.51%

About ENB Financial Corp

ENB Financial Corp functions as the parent company for Ephrata National Bank, providing a comprehensive suite of financial services to individuals and small to mid-sized enterprises across Pennsylvania, United States. Its deposit offerings feature both interest-bearing and non-interest-bearing checking accounts, NOW accounts, money market accounts, savings accounts, and time-based certificates of deposit. The institution's lending portfolio includes secured and unsecured commercial, real estate, and consumer loans. Moreover, it facilitates direct deposits and payments through electronic funds transfers. Additional services encompass ATM access, telephone banking, debit and credit card options, safe deposit boxes, remote deposit capture, and professional trust and investment advisory. The company also offers internet banking functionalities, such as online bill payment and wire transfers. As of January 19, 2022, ENB Financial Corp operated 12 full-service branches in Lancaster County, southeastern Lebanon County, and southern Berks County, Pennsylvania. The company was established in 1881 and is headquartered in Ephrata, Pennsylvania.

ENB Financial Corp is headquartered in US.

ENB Financial Corp (ENBP) stock trades at $29.26 with a market capitalization of $166.89M. The stock is valued at a price-to-earnings (P/E) ratio of 7.82, price-to-book of 1.02, price-to-sales of 1.53. Over the past 52 weeks the stock has ranged between $17.31 and $29.26, and currently trades at its 52-week high. It pays a dividend yielding 2.46%.

On profitability, ENB Financial Corp generates a return on equity (ROE) of 13.81%, above the typical market average, return on capital employed of 1.12%, an operating margin of 24.34%, a net profit margin of 19.55%.

Official website: www.epnb.com

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