ENB Financial (ENBP) AI Stock Analysis

• Market Cap: $112.42M
• Dividend Yield: 3.7%
• Average Volume (3M): 1.13K
• Price to Earnings (P/E): 6.5
• Beta (1Y): 0.15
• Revenue Growth: 16.83%
• EPS Growth: 4.93%
• Country: US
• Employees: 294
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 5,683,488
• 10 Day Avg. Volume: 595
• 30 Day Avg. Volume: 1,125
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 2.35
• Enterprise Value/Revenue: 2.52
• Enterprise Value/Gross Profit: 3.64
• Enterprise Value/Ebitda: 11.63
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 75 Outperform
• Price Target: ―

ENBP scores well due to its strong financial performance and attractive valuation, despite mixed technical indicators. The recent board appointment adds a positive strategic outlook, complementing its solid fundamentals. Investors should monitor debt levels and cash flow consistency for future growth sustainability.

ENB Financial Business Overview & Revenue Model

Company Description

ENB Financial Corp (ENBP) is a community-focused financial institution primarily serving Lancaster County, Pennsylvania. The company operates through its wholly-owned subsidiary, Ephrata National Bank. It offers a comprehensive range of financial products and services to individuals, businesses, and municipal clients, including traditional banking services such as checking and savings accounts, loans, mortgages, and investment advisory services. ENB Financial Corp prides itself on personalized service and a strong commitment to local community development.

How the Company Makes Money

ENB Financial Corp generates revenue primarily through interest income from loans and mortgages provided to its customers. The company also earns money from service fees associated with deposit accounts, transaction processing, and asset management services. Additionally, ENB Financial benefits from interest and dividends on securities in its investment portfolio. The bank's financial performance is supported by a stable local customer base and its ability to maintain strong relationships with clients, which aids in cross-selling various financial products and services. Partnerships with local businesses and community organizations further enhance its revenue-generating capabilities, fostering a network of mutual growth and support.

ENB Financial Financial Statement Overview

Summary

ENB Financial exhibits strong revenue and net income growth, a stable balance sheet with a good equity base, and efficient cash conversion. However, rising debt and fluctuating cash flow growth warrant attention.

Income Statement

ENB Financial has demonstrated strong revenue growth over the years, with a notable increase from $47.92M in 2019 to $74.87M in 2024. The gross profit margin has improved significantly, contributing to a robust net income increase in recent years. However, the absence of EBIT and EBITDA data for 2024 slightly limits a more comprehensive profitability analysis.

Balance Sheet

The company maintains a healthy equity ratio, with stockholders' equity consistently growing over the period, reaching $130.98M in 2024. The debt-to-equity ratio remains manageable, and return on equity has shown positive trends. However, the increase in total debt from previous years poses a potential risk if not managed carefully.

Cash Flow

Operating cash flow has seen fluctuations, with a decrease in 2024 compared to 2023. Free cash flow remains positive, although the growth rate has slowed. The company maintains a solid operating cash flow to net income ratio, indicating efficient cash conversion.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	104.61M	111.00M	77.88M	62.72M	58.45M	53.61M
Gross Profit	72.44M	73.86M	52.66M	28.57M	28.21M	25.63M
EBITDA	22.68M	20.71M	0.00	18.55M	19.21M	16.27M
Net Income	17.19M	15.32M	12.38M	14.63M	14.92M	12.30M
Balance Sheet
Total Assets	2.23B	2.22B	2.00B	1.86B	1.72B	1.46B
Cash, Cash Equivalents and Short-Term Investments	537.58M	685.34M	489.09M	566.71M	716.54M	578.47M
Total Debt	175.62M	183.54M	140.78M	113.44M	63.89M	74.39M
Total Liabilities	2.09B	2.09B	1.88B	1.76B	63.89M	74.39M
Stockholders Equity	139.48M	130.98M	119.65M	97.33M	137.29M	130.22M
Cash Flow
Free Cash Flow	18.65M	10.96M	28.06M	19.28M	11.73M	15.14M
Operating Cash Flow	19.11M	15.81M	30.15M	21.62M	13.26M	16.44M
Investing Cash Flow	-242.09M	-237.88M	-90.32M	-315.81M	-195.24M	-232.47M
Financing Cash Flow	181.63M	201.98M	111.59M	173.32M	245.49M	269.91M

ENB Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 19.65
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ENBP, the sentiment is Neutral. The current price of 19.65 is below the 20-day moving average (MA) of 19.92, above the 50-day MA of 19.51, and above the 200-day MA of 17.40, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 45.19 is Neutral, neither overbought nor oversold. The STOCH value of 30.52 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ENBP.

ENB Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ENBP	75 Outperform	$112.42M	6.51	12.95%	3.70%	16.83%	4.93%
MGYR	69 Neutral	$109.21M	10.91	8.68%	1.72%	18.82%	35.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	63 Neutral	$114.47M	18.36	6.07%	1.70%	7.86%	59.25%
UNB	56 Neutral	$111.92M	11.76	13.63%	5.86%	14.58%	7.73%
SRBK	56 Neutral	$115.38M	23.87	1.91%	1.02%	26.46%	―
BSBK	41 Neutral	$114.60M	―	-0.25%	―	-12.23%	83.58%

ENB Financial Corporate Events

ENB Financial Amends Executive Employment Agreement

On April 24, 2025, ENB Financial Corp and The Ephrata National Bank amended the employment agreement of William Kitsch, Senior Executive Vice President/Chief Revenue Officer. The amendment revised certain covenants while leaving other terms intact, including automatic renewal clauses and compensation details. The agreement outlines conditions for termination, compensation in case of involuntary separation, and non-competition clauses, reflecting the company’s strategic approach to retaining key executives and ensuring stability in leadership.

Spark’s Take on ENBP Stock

According to Spark, TipRanks’ AI Analyst, ENBP is a Outperform.

ENBP scores well due to its strong financial performance and attractive valuation, despite mixed technical indicators. The recent board appointment adds a positive strategic outlook, complementing its solid fundamentals. Investors should monitor debt levels and cash flow consistency for future growth sustainability.

To see Spark’s full report on ENBP stock, click here.

ENB Financial Appoints Jose R. Lopez to Board

On March 19, 2025, Ephrata National Bank announced the appointment of Jose R. Lopez to its Board of Directors. Lopez, with a strong background in banking and community development, is expected to contribute significantly to the bank’s strategic direction and growth. His previous roles include President and CEO of the Spanish American Civic Association, and leadership positions at various banks, highlighting his expertise and commitment to community service. The bank anticipates that Lopez’s leadership will support its mission to serve customers and foster community growth.