ENB Financial (ENBP) AI Stock Analysis

ENB Financial

(Other OTC:ENBP)

Select Model

Rating:76.4Outperform

Price Target:$34.00▲(8.80% Upside)

Action:reiterated

Date:10/23/26

The score is supported primarily by solid profitability, improving leverage, and attractive valuation. Positive technical momentum and the dividend announcement add support, but recent revenue weakness, cash-flow volatility, and overbought stochastic readings temper the outlook.

Positive Factors

Strong profitabilityStrong net and operating margins indicate that ENB Financial is converting banking revenue into substantial earnings. If maintained, this profitability provides internal capacity to support capital needs, absorb credit costs, and invest in customer and branch relationships over the next several quarters.

Negative Factors

Inconsistent revenue growthRecent top-line contraction indicates that strong profitability has not been accompanied by consistent revenue expansion. If the decline persists, slower loan or fee growth could limit operating leverage, reduce future earnings momentum, and make margin performance more important to sustaining results.

ENB Financial (ENBP) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $178.58M
Dividend Yield: 2.31%
Average Volume (3M): 1,534
Price to Earnings (P/E): 8.0
Beta (1Y): 0.15
Revenue Growth: 1.62%
EPS Growth: 11.35%
Country: US
Employees: 309
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 bo...

How the Company Makes Money

ENB Financial primarily makes money through its banking subsidiary by earning interest income on loans and investment securities and by collecting fees for certain banking services. The largest revenue driver for most community banks is net interest...

ENB Financial Financial Statement Overview

Summary

Strong profitability and improving leverage support the score, while recent revenue declines and historical cash-flow volatility limit upside.

Income Statement

78Positive

Balance Sheet

74Positive

Cash Flow

70Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	97.53M	86.74M	111.00M	90.58M	69.52M	61.47M
Gross Profit	98.13M	85.85M	73.86M	66.22M	62.85M	57.98M
EBITDA	29.33M	28.99M	20.71M	16.82M	18.55M	19.10M
Net Income	22.16M	21.56M	15.32M	12.38M	14.63M	14.92M
Balance Sheet
Total Assets	2.40B	2.26B	2.22B	2.00B	1.86B	1.72B
Cash, Cash Equivalents and Short-Term Investments	0	586.10M	685.34M	548.57M	566.71M	716.54M
Total Debt	222.79M	127.84M	183.54M	140.78M	113.44M	63.89M
Total Liabilities	2.23B	2.10B	2.09B	1.88B	1.76B	1.58B
Stockholders Equity	162.22M	161.05M	130.98M	119.65M	97.33M	137.29M
Cash Flow
Free Cash Flow	10.83M	15.89M	10.96M	28.06M	19.28M	11.73M
Operating Cash Flow	14.79M	25.12M	15.81M	30.15M	21.62M	13.26M
Investing Cash Flow	10.44M	-38.37M	-237.88M	-90.32M	-315.81M	-195.24M
Financing Cash Flow	-37.29M	4.92M	201.98M	111.59M	173.32M	245.49M

ENB Financial Technical Analysis

Technical Analysis SentimentPositive

Last Price31.25

Price Trends

50DMA29.47Positive

100DMA28.91Positive

200DMA26.77Positive

Market Momentum

MACD0.53Negative

RSI73.20Negative

STOCH93.37Negative

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 31.25 is above the 20-day moving average (MA) of 29.72, above the 50-day MA of 29.47, and above the 200-day MA of 26.77, indicating a bullish trend. The MACD of 0.53 indicates Negative momentum. The RSI at 73.20 is Negative, neither overbought nor oversold. The STOCH value of 93.37 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

ENBP against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MGYR	78Outperform	$143.96M	11.04	10.23%	1.70%	8.91%	30.08%
ENBP	76Outperform	$178.84M	8.03	13.46%	2.31%	1.62%	11.35%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	65Neutral	$115.56M	13.27	7.76%	1.82%	0.49%	26.64%
UNB	63Neutral	$112.91M	8.68	15.07%	6.31%	3.17%	5.55%
BSBK	57Neutral	$116.51M	42.66	1.34%	―	21.45%	―
SRBK	54Neutral	$134.47M	36.84	2.02%	1.17%	9.63%	37.01%

* Financial Sector Average

Performance Comparison

ENBP and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
ENBP	ENB Financial Corp	31.25	8.90	39.81%
MGYR	Magyar Bancorp	22.30	5.42	32.14%
UNB	Union Bankshares, Inc.	22.83	1.35	6.28%
SFBC	Sound Financial Bancorp, Inc.	45.00	1.61	3.71%
BSBK	Bogota Financial Corp.	9.13	0.46	5.31%
SRBK	SR Bancorp, Inc.	18.79	4.21	28.89%

ENB Financial Corporate Events

Business Operations and StrategyDividends

ENB Financial Declares Q4 Dividend, Updates Governance

Positive

Oct 22, 2026

On October 21, 2026, ENB Financial Corp declared a fourth-quarter regular cash dividend of $0.19 per share on its common stock, payable on December 15, 2026 to shareholders of record as of November 13, 2026, underscoring the company’s ongoing c...

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.

Date of analysis: Oct 23, 2026

ENB Financial AI Stock Analysis