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ENB Financial
(OTC:ENBP)
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Rating:76Outperform
Price Target:
$33.00
▲(15.14% Upside)
Action:Reiterated
Date:08/18/26
The score is driven primarily by solid financial performance (strong profitability and cash conversion with improved leverage), complemented by positive technical trend signals. Valuation is a clear support due to a low P/E and steady dividend yield, while the recent dividend event is mildly supportive but not a major catalyst.
Positive Factors
Strong Profitability
Sustained net and operating margins indicate effective banking operations and support resilient earnings. Continued profitability provides capacity to absorb moderate credit or funding pressure while supporting future capital generation.
Negative Factors
Inconsistent Revenue Growth
Recent top-line weakness suggests loan, fee, or other revenue growth is not yet consistent. If the decline persists, it could constrain future earnings expansion and eventually pressure margins despite currently strong profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability
Sustained net and operating margins indicate effective banking operations and support resilient earnings. Continued profitability provides capacity to absorb moderate credit or funding pressure while supporting future capital generation.
Read all positive factors
ENB Financial (ENBP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$167.73M
Dividend Yield2.45%
Average Volume (3M)661.00
Price to Earnings (P/E)7.9
Beta (1Y)0.20
Revenue Growth9.57%
EPS Growth22.36%
CountryUS
Employees309
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.72
Shares Outstanding5,714,719
10 Day Avg. Volume419
30 Day Avg. Volume661
Financial Highlights & Ratios
PEG Ratio0.15
Price to Book (P/B)0.83
Price to Sales (P/S)1.54
P/FCF Ratio8.41
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
ENB Financial Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
null...
ENB Financial Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
72
Positive
Cash Flow
76
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 102.90M | 86.74M | 111.00M | 90.58M | 69.52M | 61.47M |
| Gross Profit | 93.62M | 85.85M | 73.86M | 66.22M | 62.85M | 57.98M |
| EBITDA | 28.22M | 28.99M | 20.71M | 16.82M | 18.55M | 19.10M |
| Net Income | 21.16M | 21.56M | 15.32M | 12.38M | 14.63M | 14.92M |
Balance Sheet | ||||||
| Total Assets | 2.39B | 2.26B | 2.22B | 2.00B | 1.86B | 1.72B |
| Cash, Cash Equivalents and Short-Term Investments | 567.54M | 586.10M | 685.34M | 548.57M | 566.71M | 716.54M |
| Total Debt | 190.54M | 127.84M | 183.54M | 140.78M | 113.44M | 63.89M |
| Total Liabilities | 2.22B | 2.10B | 2.09B | 1.88B | 1.76B | 1.58B |
| Stockholders Equity | 171.52M | 161.05M | 130.98M | 119.65M | 97.33M | 137.29M |
Cash Flow | ||||||
| Free Cash Flow | 23.42M | 15.89M | 10.96M | 28.06M | 19.28M | 11.73M |
| Operating Cash Flow | 24.81M | 25.12M | 15.81M | 30.15M | 21.62M | 13.26M |
| Investing Cash Flow | 1.14M | -38.37M | -237.88M | -90.32M | -315.81M | -195.24M |
| Financing Cash Flow | -54.86M | 4.92M | 201.98M | 111.59M | 173.32M | 245.49M |
ENB Financial Technical Analysis
Positive
28.66
Price Trends
28.64
Positive
27.10
Positive
25.26
Positive
Market Momentum
0.26
Negative
65.42
Neutral
100.00
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ENBP, the sentiment is Positive. The current price of 28.66 is below the 20-day moving average (MA) of 29.03, above the 50-day MA of 28.64, and above the 200-day MA of 25.26, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 65.42 is Neutral, neither overbought nor oversold. The STOCH value of 100.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ENBP.
ENB Financial Risk Analysis
ENB Financial disclosed 40 risk factors in its most recent earnings report. ENB Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
ENB Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $125.78M | 10.19 | 9.59% | 1.81% | 7.51% | 20.96% | |
76 Outperform | $167.73M | 7.94 | 13.06% | 2.57% | 9.57% | 22.36% | |
72 Outperform | $120.18M | 14.93 | 7.31% | 1.78% | -0.53% | 27.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $143.12M | 43.48 | 1.80% | 1.10% | 6.46% | 1.90% | |
60 Neutral | $116.72M | 9.03 | 14.72% | 5.81% | 10.15% | 28.62% | |
58 Neutral | $118.04M | 43.62 | 1.47% | ― | 21.45% | ― |
* Financial Sector Average
ENBP
ENB Financial
29.94
11.14
59.21%
MGYR
Magyar Bancorp
19.68
2.93
17.51%
UNB
Union Bankshares
23.76
-0.76
-3.10%
SFBC
Sound Financial Bancorp
47.25
1.05
2.28%
BSBK
Bogota Financial
9.10
-0.25
-2.67%
SRBK
SR Bancorp, Inc.
19.50
4.69
31.65%
ENB Financial Corporate Events
Dividends
ENB Financial Declares Third Quarter Cash Dividend
Positive
Jul 17, 2026
On July 15, 2026, ENB Financial Corp declared a third quarter cash dividend of $0.18 per share, reinforcing its capital return strategy to shareholders. The dividend will be paid on September 15, 2026, to shareholders of record as of August 14, 20...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.