ENB Financial (ENBP) AI Stock Analysis

• Market Cap: $142.76M
• Dividend Yield: 3.19%
• Average Volume (3M): 987.00
• Price to Earnings (P/E): 6.5
• Beta (1Y): 0.13
• Revenue Growth: 15.68%
• EPS Growth: 22.66%
• Country: US
• Employees: 294
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.97
• Shares Outstanding: 5,698,959
• 10 Day Avg. Volume: 572
• 30 Day Avg. Volume: 987
• PEG Ratio: 0.27
• Price to Book (P/B): 0.74
• Price to Sales (P/S): 0.88
• P/FCF Ratio: 8.88
• Enterprise Value/Market Cap: 1.86
• Enterprise Value/Revenue: 2.26
• Enterprise Value/Gross Profit: 3.52
• Enterprise Value/Ebitda: 9.86
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: $28.00 ▲(19.25% Upside)
• Action: Reiterated Date: 02/02/26
• Date: Action: Reiterated 02/02/26

The score is led by solid financial performance (strong margins and cash generation with improving leverage, though revenue is declining), supported by a constructive technical uptrend and attractive valuation (low P/E with a ~3% dividend). Recent corporate actions are broadly positive, highlighted by the completed acquisition and capital/refinancing moves.

Positive Factors

Strong cash generation and margins

Robust free cash flow growth and high margins provide durable internal funding for operations, dividends, and strategic investments. Strong cash conversion reduces reliance on external financing, enabling steadier capital allocation through economic cycles and supporting long-term shareholder returns.

Improving leverage and solid ROE

A lower debt-to-equity and healthy ROE indicate improving balance sheet discipline and efficient use of equity capital. This structural improvement increases financial flexibility for growth or stress periods, supports regulatory ratios, and underpins sustainable dividend policy and capital deployment.

Strategic geographic and scale expansion

The Cecil Bancorp acquisition materially expands ENB's deposit and loan base and diversifies its regional footprint. Greater scale and new markets create cross-sell opportunities, potential cost synergies, and a bigger franchise to support long-term organic growth and resilience versus relying solely on legacy markets.

Negative Factors

Declining revenue trend

Sustained negative revenue growth undermines top-line scalability and increases reliance on margin improvements or non-core gains to sustain profits. Over time, shrinking revenue can strain growth investments, reduce pricing power, and magnify the impact of higher funding costs or integration missteps.

Acquisition integration and execution risk

Integration of acquired branches, systems conversions, and cultural alignment are multi-quarter tasks that can dilute expected cost synergies and distract management. Poor execution risks deposit attrition, higher integration costs, and delayed earnings accretion, affecting medium-term franchise value.

Higher fixed funding costs from subordinated notes

Issuing higher-coupon subordinated debt raises the firm's long-term funding costs and interest obligations, which, combined with falling revenue, can pressure net income and cash flow. While it strengthens regulatory capital, the higher coupon permanently elevates fixed financing expense and reduces margin resilience.

ENB Financial Business Overview & Revenue Model

Company Description

ENB Financial Corp operates as the bank holding company for Ephrata National Bank that provides various financial services to individuals and small-to-medium-sized businesses in Pennsylvania, the United States. The company's deposit products include non-interest bearing and interest-bearing demand deposits, NOW accounts, money market deposit accounts, savings accounts, and time deposits. Its loan portfolio comprises secured and unsecured commercial, real estate, and consumer loans. The company also provides direct deposit and direct payments of funds through electronic funds transfer. In addition, it offers ATM, telephone banking, debit and credit card, safe deposit box, remote deposit capture, and trust and investment advisory services, as well as internet banking services, such as bill pay and wire transfer. As of January 19, 2022, the company operated through 12 full-service locations in Lancaster County, southeastern Lebanon County, and southern Berks County, Pennsylvania. The company was founded in 1881 and is headquartered in Ephrata, Pennsylvania.

How the Company Makes Money

ENB Financial generates revenue through various channels, including interest income from loans and mortgages, fees for banking services, and management fees from investment products. The company's core revenue streams include interest earned on consumer and commercial loans, transaction fees from debit and credit card services, as well as advisory fees from wealth management services. Additionally, ENBP has established strategic partnerships with fintech companies to enhance its service offerings and reach, contributing to its overall earnings. The company also benefits from a diversified investment portfolio, which provides additional income through dividends and capital gains.

ENB Financial Financial Statement Overview

Summary

Solid overall financial health driven by strong profitability (TTM gross margin 69.73%, net margin 18.28%) and strong cash generation (TTM free cash flow growth 24.03%, FCF/net income 0.99). Balance sheet leverage is improving (debt-to-equity 0.86) with healthy ROE (14.18%), but negative revenue growth is a notable risk.

Income Statement

ENB Financial shows strong profitability with a gross profit margin of 69.73% and a net profit margin of 18.28% in TTM. However, the revenue growth rate is negative, indicating a decline in revenue compared to the previous period. The EBIT and EBITDA margins are healthy, reflecting efficient operations.

Balance Sheet

The debt-to-equity ratio has improved to 0.86 in TTM, indicating better leverage management compared to previous years. Return on equity is strong at 14.18%, showing effective use of equity to generate profits. The equity ratio is stable, suggesting a balanced capital structure.

Cash Flow

Free cash flow growth is robust at 24.03% in TTM, and the free cash flow to net income ratio is high at 0.99, indicating strong cash generation relative to net income. The operating cash flow to net income ratio is moderate, suggesting efficient cash flow management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	117.54M	111.00M	90.58M	69.52M	61.47M	57.45M
Gross Profit	75.42M	73.86M	66.22M	62.85M	57.98M	50.66M
EBITDA	26.92M	20.71M	16.82M	18.55M	19.10M	16.27M
Net Income	19.77M	15.32M	12.38M	14.63M	14.92M	12.30M
Balance Sheet
Total Assets	2.22B	2.22B	2.00B	1.86B	1.72B	1.46B
Cash, Cash Equivalents and Short-Term Investments	598.42M	685.34M	548.57M	566.71M	716.54M	571.37M
Total Debt	130.82M	183.54M	140.78M	113.44M	63.89M	74.39M
Total Liabilities	2.07B	2.09B	1.88B	1.76B	1.58B	1.33B
Stockholders Equity	151.99M	130.98M	119.65M	97.33M	137.29M	130.22M
Cash Flow
Free Cash Flow	23.13M	10.96M	28.06M	19.28M	11.73M	15.14M
Operating Cash Flow	23.35M	15.81M	30.15M	21.62M	13.26M	16.44M
Investing Cash Flow	-151.80M	-237.88M	-90.32M	-315.81M	-195.24M	-232.47M
Financing Cash Flow	109.13M	201.98M	111.59M	173.32M	245.49M	269.91M

ENB Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 23.48
• 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 Positive. The current price of 23.48 is below the 20-day moving average (MA) of 24.71, below the 50-day MA of 23.89, and above the 200-day MA of 20.36, indicating a bullish trend. The MACD of 0.31 indicates Positive momentum. The RSI at 61.22 is Neutral, neither overbought nor oversold. The STOCH value of 30.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ENBP.

ENB Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ENBP	77 Outperform	$142.76M	6.47	12.95%	3.19%	15.68%	22.66%
MGYR	75 Outperform	$113.43M	10.21	8.51%	1.81%	12.08%	27.88%
UNB	74 Outperform	$108.51M	9.57	15.11%	6.08%	14.52%	27.90%
SRBK	68 Neutral	$125.51M	45.66	1.57%	0.88%	9.43%	166.36%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	64 Neutral	$109.52M	15.33	6.52%	1.75%	2.85%	73.41%
BSBK	48 Neutral	$109.07M	50.82	0.35%	―	-15.09%	―

ENB Financial Corporate Events

ENB Financial Completes Cecil Bancorp Acquisition Expansion

On February 1, 2026, ENB Financial Corp completed its previously announced acquisition of Cecil Bancorp, Inc. and its subsidiary Cecil Bank of Elkton, Maryland, in an all-cash transaction valued at approximately $31.3 million, with Cecil common shareholders receiving $1.88 per share and all options redeemed for cash. Following the deal’s close, Cecil Bancorp was liquidated and dissolved, Cecil Bank was merged into The Ephrata National Bank, and former Cecil offices are operating as Cecil Bank, a division of The Ephrata National Bank until systems conversion slated for late June, expanding ENB’s footprint into northern and eastern Maryland and creating a consolidated institution with roughly $2.5 billion in assets, $2.1 billion in deposits, $1.7 billion in loans, and 18 community banking offices across Pennsylvania and Maryland.

The most recent analyst rating on (ENBP) stock is a Buy with a $27.00 price target. To see the full list of analyst forecasts on ENB Financial stock, see the ENBP Stock Forecast page.

ENB Financial Corp Declares First-Quarter Cash Dividend

On January 21, 2026, ENB Financial Corp declared a first-quarter cash dividend of $0.18 per share, payable on March 13, 2026, to shareholders of record as of February 13, 2026. The dividend announcement underscores the company’s ongoing return of capital to shareholders and provides income visibility for investors holding the stock as of the record date.

The most recent analyst rating on (ENBP) stock is a Buy with a $28.00 price target. To see the full list of analyst forecasts on ENB Financial stock, see the ENBP Stock Forecast page.

ENB Financial clears approvals for Cecil Bancorp acquisition

On January 12, 2026, ENB Financial Corp announced that it and its wholly-owned subsidiary, The Ephrata National Bank, have received all necessary stockholder and regulatory approvals or waivers to proceed with the acquisition of Cecil Bancorp, Inc. and its subsidiary Cecil Bank, a community bank serving Cecil County, Maryland. Approvals were granted by the Office of the Comptroller of the Currency and the Maryland Department of Financial Regulation, while the Federal Reserve Bank of Philadelphia provided a waiver, following Cecil stockholders’ approval of the deal at a special meeting in November 2025. The transaction is expected to close with an effective date of February 1, 2026, with former Cecil Bank offices initially operating as a division of The Ephrata National Bank before a planned systems conversion beginning June 26 and full integration under The Ephrata National Bank brand by June 29, marking a significant geographic expansion of ENB’s community banking footprint into Maryland.

The most recent analyst rating on (ENBP) stock is a Buy with a $25.00 price target. To see the full list of analyst forecasts on ENB Financial stock, see the ENBP Stock Forecast page.

ENB Financial Announces Early Redemption of 4% Notes

On December 22, 2025, ENB Financial Corp announced it will redeem on January 31, 2026 all of its outstanding 4.00% Fixed to Floating Rate Notes due December 31, 2030, with an aggregate principal amount of $20 million, at par plus accrued and unpaid interest up to but excluding the redemption date. The company will fund this early redemption using excess cash generated from the recent issuance of $42.5 million in new subordinated debt, effectively refinancing its capital structure and potentially lowering funding costs while altering the composition of its long-term liabilities for noteholders and other stakeholders.

The most recent analyst rating on (ENBP) stock is a Buy with a $26.00 price target. To see the full list of analyst forecasts on ENB Financial stock, see the ENBP Stock Forecast page.

ENB Financial completes private notes offering and appointments

On December 17, 2025, ENB Financial Corp completed a private placement of $42.5 million in 6.50% fixed-to-floating rate subordinated notes due December 31, 2035, sold at par to institutional accredited investors and qualified institutional buyers. The unsecured, subordinated notes, intended to qualify as Tier 2 capital, carry a fixed 6.50% coupon until December 31, 2030, then reset quarterly at three-month term SOFR plus 306 basis points, with optional redemptions by the company under defined conditions from 2030 onward, but no holder redemption rights or conversion features. ENB plans to use the proceeds for general corporate purposes, including funding current and future acquisitions, other strategic growth initiatives, capital contributions to Ephrata National Bank, and potentially redeeming its outstanding 4.00% fixed-to-floating notes due 2030, thereby strengthening regulatory capital and providing flexibility for expansion and balance sheet management. Also on December 17, 2025, the boards of ENB Financial and Ephrata National Bank appointed President and CEO Elect Rachel G. Bitner as a Class C director of both entities, to serve until the 2026 annual meeting of shareholders, signaling a further consolidation of executive and board leadership without any related-party transactions involved in her appointment.

The most recent analyst rating on (ENBP) stock is a Buy with a $25.00 price target. To see the full list of analyst forecasts on ENB Financial stock, see the ENBP Stock Forecast page.

ENB Financial Appoints New CFO Douglas P. Barton

On December 15, 2025, ENB Financial Corp announced the appointment of Douglas P. Barton as Executive Vice President/Chief Financial Officer and Treasurer, succeeding Rachel G. Bitner. Mr. Barton, with over 39 years of experience in the financial services industry, is expected to play a crucial role in managing the organization’s financial operations and executing strategic plans for growth. His previous role was as Senior Vice President at Orrstown Financial Services, Inc. The appointment is seen as a strategic move to enhance shareholder value and position the company for future growth.

The most recent analyst rating on (ENBP) stock is a Buy with a $25.00 price target. To see the full list of analyst forecasts on ENB Financial stock, see the ENBP Stock Forecast page.