ENB Financial (ENBP) AI Stock Analysis

• Market Cap: $131.36M
• Dividend Yield: 3.12%
• Average Volume (3M): 987.00
• Price to Earnings (P/E): 6.6
• Beta (1Y): 0.19
• Revenue Growth: 15.68%
• EPS Growth: 22.66%
• Country: US
• Employees: 294
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.04
• 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: 2.01
• Enterprise Value/Revenue: 2.24
• Enterprise Value/Gross Profit: 3.50
• Enterprise Value/Ebitda: 9.80
• 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: 80 Outperform
• Price Target: $25.00 ▲(8.46% Upside)

ENB Financial's strong financial performance and attractive valuation are the primary drivers of its high score. The technical indicators support a bullish outlook, reinforcing the stock's potential for growth. The absence of earnings call data and corporate events does not detract from the overall positive assessment.

Positive Factors

Revenue Growth

The consistent revenue growth indicates a successful business model and strong market demand, positioning ENB Financial for sustained expansion.

Board Appointment

The addition of an experienced board member can strengthen strategic planning and foster community ties, supporting long-term growth.

Balance Sheet Health

A strong balance sheet with growing equity enhances financial stability and provides a solid foundation for future investments and growth.

Negative Factors

Rising Debt Levels

Rising debt levels can strain financial resources, limiting flexibility and potentially impacting long-term financial health if not addressed.

Cash Flow Fluctuations

Fluctuating cash flow can challenge the company's ability to fund operations and growth initiatives consistently, affecting long-term stability.

Absence of EBIT/EBITDA Data

Lack of detailed profitability metrics can hinder comprehensive financial analysis, affecting transparency and investor confidence.

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

ENB Financial demonstrates strong profitability and cash flow generation, with improvements in leverage and equity management. However, the decline in revenue growth is a concern that needs to be addressed to sustain long-term growth. Overall, the financial health of the company is solid, with a focus on maintaining profitability and cash flow efficiency.

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: 23.05
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 23.05 is above the 20-day moving average (MA) of 22.44, above the 50-day MA of 21.83, and above the 200-day MA of 18.45, indicating a bullish trend. The MACD of 0.32 indicates Negative momentum. The RSI at 69.46 is Neutral, neither overbought nor oversold. The STOCH value of 87.18 is Negative, 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	80 Outperform	$131.36M	6.61	12.95%	3.12%	15.68%	22.66%
UNB	75 Outperform	$106.82M	9.40	15.11%	6.18%	14.52%	27.90%
MGYR	69 Neutral	$109.80M	10.91	8.51%	1.88%	12.08%	29.55%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	63 Neutral	$115.22M	17.01	6.52%	1.69%	2.85%	73.41%
SRBK	61 Neutral	$128.70M	44.41	1.57%	0.91%	9.43%	166.36%
BSBK	48 Neutral	$105.89M	213.74	0.35%	―	-15.09%	―

ENB Financial Corporate Events

ENB Financial Announces Consistent Q4 Dividend Payout

On October 15, 2025, ENB Financial Corp announced a fourth quarter cash dividend of $0.18 per share, maintaining the same dividend as the previous year and the third quarter of 2025. This dividend will be payable on December 15, 2025, to shareholders of record on November 14, 2025, reflecting the company’s consistent financial strategy and commitment to shareholder returns.