A Business at a Glance
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ENB Financial Corp
ENBP
$159M
Mkt Cap
$28.10
-3.10%
ENB Financial Corp (ENBP) has a current P/E ratio of 5.1, compared to its historical median P/E of 7.3. The stock is currently considered Cheap based on its historical valuation range.
ENB Financial Corp (ENBP) has a 5-year average return on invested capital (ROIC) of 8.0%. This is below average and may indicate limited pricing power.
ENB Financial Corp (ENBP) has a market capitalization of $159M. It is classified as a small-cap stock.
Yes, ENB Financial Corp (ENBP) pays a dividend with a trailing twelve-month yield of 2.56%. The company also returns capital through share buybacks, with a buyback yield of 0.21%.
Based on historical P/E analysis, ENB Financial Corp (ENBP) appears cheap. The current P/E of 5.1 is 31% below its historical median of 7.3. The estimated fair value CAGR (P/E method) is 14.4%.
ENB Financial Corp (ENBP) operates in the National Commercial Banks industry, within the Financials sector.
ENB Financial Corp (ENBP) reported annual revenue of $124 million in its most recent fiscal year, based on SEC EDGAR filings.
ENB Financial Corp (“the Corporation”) is a bank holding company that was formed on July 1, 2008. The Corporation’s wholly owned subsidiary, Ephrata National Bank (“the Bank”), also referred to as ENB, is a full service commercial bank organized under the laws of the United States. Presently, no other subsidiaries exist under the bank holding company. The Bank has one subsidiary, ENB Insurance, which is a full-service insurance agency that offers a broad range of insurance products to commercial and personal clients. The Corporation and the Bank are both headquartered in Ephrata, Lancaster County, Pennsylvania. The Bank was incorporated on April 11, 1881, pursuant to The National Bank Act under a charter granted by the Office of the Comptroller of the Currency (OCC). The Federal Deposit Insurance Corporation (FDIC) insures deposit accounts up to the maximum extent provided by law.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 124M | 124M | 111M | 91M | 70M | 61M |
| Net Income | 22M | 22M | 15M | 12M | 15M | 15M |
| EPS | $3.80 | $3.80 | $2.71 | $2.19 | $2.62 | $2.68 |
| Free Cash Flow | 19M | 19M | 12M | 29M | 19M | 12M |
| ROIC | 9.4% | 9.7% | 7.0% | 6.6% | 8.7% | 8.1% |
| Gross Margin | 0.0% | 0.0% | 71.7% | 78.7% | 90.4% | 94.3% |
| Debt/Equity | 0.79 | 0.79 | 1.10 | 0.71 | 0.76 | 0.32 |
| Dividends/Share | $0.72 | $0.72 | $0.69 | $0.68 | $0.68 | $0.67 |
| Operating Income | 27M | 27M | 19M | 15M | 17M | 18M |
| Operating Margin | 21.5% | 21.5% | 16.8% | 16.4% | 24.3% | 28.5% |
| ROE | 13.4% | 14.8% | 12.2% | 11.4% | 12.5% | 11.2% |
| Shares Outstanding | 6M | 6M | 6M | 6M | 6M | 6M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 37M | 37M | 39M | 43M | 48M | 53M | 57M | 61M | 70M | 91M | 111M | 124M | 124M |
| Gross Margin | 87.1% | 89.4% | 91.4% | 91.1% | 91.5% | 88.9% | 88.2% | 94.3% | 90.4% | 78.7% | 71.7% | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 14M | 15M | 17M | 19M | 20M | 21M | 22M | 24M | 27M | 30M | 34M | 35M | 35M |
| EBIT | 8.6M | 8.3M | 8.9M | 8.7M | 11M | 14M | 15M | 18M | 17M | 15M | 19M | 27M | 27M |
| Op. Margin | 23.5% | 22.4% | 22.6% | 20.0% | 23.3% | 25.5% | 25.4% | 28.5% | 24.3% | 16.4% | 16.8% | 21.5% | 21.5% |
| Net Income | 7.1M | 6.9M | 7.6M | 6.3M | 9.7M | 11M | 12M | 15M | 15M | 12M | 15M | 22M | 22M |
| Net Margin | 19.3% | 18.7% | 19.1% | 14.6% | 20.5% | 21.5% | 21.4% | 24.3% | 21.0% | 13.7% | 13.8% | 17.4% | 17.4% |
| Non-Recurring | 22K | 0 | 0 | 0 | 0 | 0 | 0 | -99K | -52K | 0 | -3K | -19K | -19K |
| Returns on Capital | |||||||||||||
| ROIC | 4.7% | 4.5% | 4.9% | 3.9% | 5.8% | 6.3% | 6.5% | 8.1% | 8.7% | 6.6% | 7.0% | 9.7% | 9.4% |
| ROE | 8.0% | 7.4% | 7.9% | 6.5% | 9.6% | 10.4% | 10.0% | 11.2% | 12.5% | 11.4% | 12.2% | 14.8% | 13.4% |
| ROA | 0.8% | 0.8% | 0.8% | 0.6% | 0.9% | 1.0% | 0.9% | 0.9% | 0.8% | 0.6% | 0.7% | 1.0% | 1.0% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 9.1M | 10M | 10M | 11M | 17M | 15M | 16M | 13M | 22M | 30M | 16M | 25M | 25M |
| Free Cash Flow | 8.3M | 9.7M | 8.2M | 6.8M | 15M | 15M | 15M | 12M | 19M | 29M | 12M | 19M | 19M |
| Owner Earnings | 7.8M | 9.0M | 9.0M | 10.0M | 15M | 14M | 15M | 12M | 20M | 28M | 14M | 23M | 23M |
| CapEx | 791K | 689K | 2.3M | 4.5M | 1.3M | 928K | 1.1M | 1.0M | 2.2M | 1.6M | 4.3M | 5.9M | 5.9M |
| Maint. CapEx | 1.4M | 1.4M | 1.4M | 1.4M | 1.5M | 1.4M | 1.4M | 1.3M | 1.3M | 1.6M | 1.7M | 1.9M | 1.9M |
| Growth CapEx | 0 | 0 | 872K | 3.1M | 0 | 0 | 0 | 0 | 857K | 0 | 2.6M | 4.1M | 4.1M |
| D&A | 1.4M | 1.4M | 1.4M | 1.4M | 1.5M | 1.4M | 1.4M | 1.3M | 1.3M | 1.6M | 1.7M | 1.9M | 1.9M |
| CapEx/OCF | N/A | 6.6% | 21.8% | N/A | 7.9% | 6.0% | 6.7% | 7.8% | 10.1% | N/A | N/A | N/A | 23.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 3.1M | 3.1M | 3.1M | 3.2M | 3.3M | 3.5M | 3.6M | 3.7M | 3.8M | 3.8M | 3.9M | 4.1M | 4.1M |
| Dividend Yield | N/A | 4.7% | 4.7% | N/A | 2.1% | 4.1% | 4.1% | 3.7% | 4.1% | N/A | N/A | N/A | 2.6% |
| Share Buybacks | 485K | 752K | 465K | 568K | 463K | 1.9M | 2.2M | 482K | 116K | 572K | 1.3M | 332K | 332K |
| Buyback Yield | 0.0% | 1.1% | 0.7% | 0.0% | 0.6% | 2.1% | 2.6% | 0.5% | 0.1% | 0.0% | 0.0% | 0.0% | 0.2% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11K | 62K | 61K | 55K | 55K |
| Debt Repayment | 17M | 16M | 16M | 15M | 15M | 12M | 47M | 11M | 16M | 14M | 17M | 16M | 16M |
| Balance Sheet | |||||||||||||
| Net Debt | -276M | -260M | -279M | -310M | -262M | -271M | -462M | -672M | -493M | -463M | -542M | -512M | 67M |
| Cash & Equiv. | 43M | 44M | 46M | 53M | 41M | 41M | 95M | 158M | 38M | 89M | 69M | 61M | 61M |
| Long-Term Debt | 62M | 60M | 61M | 66M | 65M | 78M | 55M | 44M | 58M | 101M | 84M | 68M | 68M |
| Debt/Equity | 0.63 | 0.72 | 0.73 | 0.58 | 0.71 | 0.67 | 0.84 | 0.32 | 0.76 | 0.71 | 1.10 | 0.79 | 0.79 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0 | 0.7 |
| Equity | 93M | 95M | 95M | 100M | 103M | 117M | 130M | 137M | 97M | 120M | 131M | 161M | 161M |
| Total Assets | 857M | 906M | 984M | 1.0B | 1.1B | 1.2B | 1.5B | 1.7B | 1.9B | 2.0B | 2.2B | 2.3B | 2.3B |
| Total Liabilities | 764M | 810M | 889M | 934M | 995M | 1.1B | 1.3B | 1.6B | 1.8B | 1.9B | 2.1B | 2.1B | 2.1B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Retained Earnings | 87M | 91M | 95M | 99M | 104M | 112M | 121M | 132M | 143M | 151M | 162M | 179M | 179M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 1.24 | 1.21 | 1.33 | 1.12 | 0.86 | 2.01 | 2.20 | 2.68 | 2.62 | 2.19 | 2.71 | 3.80 | 3.80 |
| Owner EPS | 1.36 | 1.57 | 1.59 | 1.75 | 1.34 | 2.47 | 2.69 | 2.14 | 3.63 | 5.04 | 2.49 | 4.09 | 4.09 |
| Book Value | 16.22 | 16.65 | 16.65 | 17.53 | 9.02 | 20.58 | 23.29 | 24.67 | 17.43 | 21.18 | 23.17 | 28.39 | 28.39 |
| Cash Flow/Share | 1.60 | 1.82 | 1.83 | 1.99 | 1.47 | 2.73 | 2.94 | 2.38 | 3.87 | 5.34 | 2.80 | 4.43 | 4.13 |
| Dividends/Share | 0.54 | 0.54 | 0.55 | 0.56 | 0.29 | 0.62 | 0.64 | 0.67 | 0.68 | 0.68 | 0.69 | 0.72 | 0.72 |
| Shares Out. | 5.7M | 5.7M | 5.7M | 5.7M | 11.4M | 5.7M | 5.6M | 5.6M | 5.6M | 5.7M | 5.7M | 5.7M | 5.7M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | 9.6 | 9.4 | N/A | 7.7 | 8.0 | 6.9 | 6.9 | 5.5 | N/A | N/A | N/A | 7.4 |
| P/FCF | N/A | 6.8 | 8.7 | N/A | 9.9 | 6.4 | 5.6 | 8.4 | 4.1 | N/A | N/A | N/A | 8.3 |
| EV/EBIT | N/A | 7.5 | 7.9 | N/A | 7.4 | 6.9 | 2.4 | -0.5 | 5.2 | N/A | N/A | N/A | 8.5 |
| Price/Book | N/A | 0.7 | 0.7 | N/A | 0.7 | 0.8 | 0.7 | 0.8 | 0.8 | N/A | N/A | N/A | 1.0 |
| Price/Sales | N/A | 2.0 | 1.8 | N/A | 1.7 | 1.7 | 1.6 | 1.7 | 1.5 | N/A | N/A | N/A | 1.3 |
| FCF Yield | N/A | 14.6% | 11.5% | N/A | 20.5% | 15.8% | 18.0% | 11.8% | 24.3% | N/A | N/A | N/A | 12.0% |
| Market Cap | 0 | 66M | 71M | 0 | 75M | 92M | 85M | 103M | 80M | 0 | 0 | 0 | 159M |
| Avg. Price | 0.00 | 11.36 | 11.71 | 0.00 | 13.48 | 15.04 | 15.57 | 17.94 | 16.59 | 0.00 | 0.00 | 0.00 | 28.10 |
| Year-End Price | 0.00 | 11.65 | 12.42 | 0.00 | 13.40 | 16.48 | 15.28 | 18.38 | 14.20 | 0.00 | 0.00 | 0.00 | 28.10 |
ENB Financial Corp passes 5 of 9 quality checks, suggesting mixed fundamentals.
ENB Financial Corp trades at 5.1x trailing earnings, compared to its 15-year median P/E of 7.3x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 8.6x vs a median of 7.4x. The company's 5-year average ROIC is 8.0% with a gross margin of 67.0%. Total shareholder yield (dividends + buybacks) is 2.8%. At current prices, the estimated annualized return to fair value is +5.9%.
ENB Financial Corp (ENBP) has a net profit margin of 17.4%. This is a healthy margin.
ENB Financial Corp (ENBP) generated $19 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
ENB Financial Corp (ENBP) has a debt-to-equity ratio of 0.79. This indicates moderate leverage.
ENB Financial Corp (ENBP) reported earnings per share (EPS) of $3.80 in its most recent fiscal year.
ENB Financial Corp (ENBP) has a return on equity (ROE) of 14.8%. This indicates moderate shareholder returns.
ENB Financial Corp (ENBP) has a 5-year average gross margin of 67.0%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for ENB Financial Corp (ENBP), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
ENB Financial Corp (ENBP) has a book value per share of $28.39, based on its most recent annual SEC filing.
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