ENB Financial Corp (ENBP)
OTHER OTC:ENBP
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ENB Financial
(OTC:ENBP)
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Rating:68Neutral
Price Target:
$27.00
▲(14.99% Upside)
Action:DowngradedDate:03/24/26
ENBP’s score is driven primarily by solid but uneven financial performance—stronger profitability and a materially improved leverage position, tempered by a sharp revenue decline and softer, volatile free cash flow. Valuation is a clear positive (low P/E and solid yield), while technicals are neutral and corporate events are supportive due to the completed acquisition and continued dividend.
Positive Factors
Stronger leverage position
A materially lower debt-to-equity (~0.79 vs ~1.40) meaningfully increases balance-sheet flexibility, reducing funding and interest-rate vulnerability. This durable improvement boosts capacity for lending, cushions credit stress, and improves strategic optionality for dividends or targeted M&A over the medium term.
Negative Factors
Sharp revenue contraction
A ~26% revenue decline in 2025 undermines confidence in the sustainability of recent margin gains. If top-line weakness persists it can erode earnings quality, limit ability to sustain dividends or invest in growth, and suggests the earnings rebound may be driven by non-recurring items or cost timing.
Read all positive and negative factors
Positive Factors
Negative Factors
Stronger leverage position
A materially lower debt-to-equity (~0.79 vs ~1.40) meaningfully increases balance-sheet flexibility, reducing funding and interest-rate vulnerability. This durable improvement boosts capacity for lending, cushions credit stress, and improves strategic optionality for dividends or targeted M&A over the medium term.
Read all positive factors
ENB Financial (ENBP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$140.33M
Dividend Yield3.19%
Average Volume (3M)987.00
Price to Earnings (P/E)6.2
Beta (1Y)0.12
Revenue Growth15.68%
EPS Growth22.66%
CountryUS
Employees294
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.97
Shares Outstanding5,692,991
10 Day Avg. Volume572
30 Day Avg. Volume987
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 Cap1.86
Enterprise Value/Revenue2.38
Enterprise Value/Gross Profit3.30
Enterprise Value/Ebitda9.03
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 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 inclu...
ENB Financial Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
71
Positive
Cash Flow
58
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 86.74M | 111.00M | 90.58M | 69.52M | 61.47M |
| Gross Profit | 85.85M | 73.86M | 66.22M | 62.85M | 57.98M |
| EBITDA | 28.99M | 20.71M | 16.82M | 18.55M | 19.10M |
| Net Income | 21.56M | 15.32M | 12.38M | 14.63M | 14.92M |
Balance Sheet | |||||
| Total Assets | 2.26B | 2.22B | 2.00B | 1.86B | 1.72B |
| Cash, Cash Equivalents and Short-Term Investments | 586.10M | 685.34M | 548.57M | 566.71M | 716.54M |
| Total Debt | 127.84M | 183.54M | 140.78M | 113.44M | 63.89M |
| Total Liabilities | 2.10B | 2.09B | 1.88B | 1.76B | 1.58B |
| Stockholders Equity | 161.05M | 130.98M | 119.65M | 97.33M | 137.29M |
Cash Flow | |||||
| Free Cash Flow | 15.89M | 10.96M | 28.06M | 19.28M | 11.73M |
| Operating Cash Flow | 25.12M | 15.81M | 30.15M | 21.62M | 13.26M |
| Investing Cash Flow | -38.37M | -237.88M | -90.32M | -315.81M | -195.24M |
| Financing Cash Flow | 4.92M | 201.98M | 111.59M | 173.32M | 245.49M |
ENB Financial Technical Analysis
Neutral
23.48
Price Trends
24.64
Negative
23.69
Positive
21.43
Positive
Market Momentum
-0.03
Positive
48.01
Neutral
29.38
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 23.48 is below the 20-day moving average (MA) of 24.62, below the 50-day MA of 24.64, and above the 200-day MA of 21.43, indicating a neutral trend. The MACD of -0.03 indicates Positive momentum. The RSI at 48.01 is Neutral, neither overbought nor oversold. The STOCH value of 29.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ENBP.
ENB Financial Risk Analysis
ENB Financial disclosed 35 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $113.36M | 8.58 | 9.18% | 1.81% | 12.08% | 27.88% | |
68 Neutral | $140.33M | 6.20 | 14.67% | 3.19% | 15.68% | 22.66% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $116.22M | 15.59 | 6.70% | 1.75% | 2.85% | 73.41% | |
59 Neutral | $135.21M | 35.78 | 1.57% | 0.88% | 9.43% | 166.36% | |
53 Neutral | $112.54M | 9.78 | 14.80% | 6.08% | 14.52% | 27.90% | |
50 Neutral | $110.33M | 51.05 | 1.50% | ― | -15.09% | ― |
* Financial Sector Average
ENBP
ENB Financial
24.65
9.35
61.14%
MGYR
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17.50
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UNB
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24.39
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BSBK
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SRBK
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ENB Financial Corporate Events
Business Operations and StrategyM&A Transactions
ENB Financial Completes Cecil Bancorp Acquisition Expansion
Positive
Feb 2, 2026
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 sh...
Dividends
ENB Financial Corp Declares First-Quarter Cash Dividend
Positive
Jan 22, 2026
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 retu...
Business Operations and StrategyM&A Transactions
ENB Financial clears approvals for Cecil Bancorp acquisition
Positive
Jan 12, 2026
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...
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.