ENB Financial (ENBP) AI Stock Analysis

• Market Cap: $142.47M
• Dividend Yield: 3.19%
• Average Volume (3M): 987.00
• Price to Earnings (P/E): 6.2
• Beta (1Y): 0.12
• 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: 0.15
• Price to Book (P/B): 0.83
• Price to Sales (P/S): 1.54
• P/FCF Ratio: 5.32
• Enterprise Value/Market Cap: 1.83
• Enterprise Value/Revenue: 2.37
• Enterprise Value/Gross Profit: 3.29
• Enterprise Value/Ebitda: 9.06
• 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: 76 Outperform
• Price Target: $28.00 ▲(19.25% Upside)
• Action: Reiterated Date: 03/21/26
• Date: Action: Reiterated 03/21/26

The score is driven primarily by improved 2025 profitability/cash generation and an attractive valuation (low P/E with a ~2.9% dividend yield). Technicals are supportive with price above key moving averages and positive MACD, while revenue volatility and some reported metric inconsistencies temper the financial strength. Corporate actions (acquisition expansion and capital/refinancing activity) add a modest positive tilt.

Positive Factors

Improved 2025 profitability & cash flow

ENB reported materially stronger profitability and cash generation in 2025, with higher net and EBIT margins plus rising operating/free cash flow. These internal improvements enhance the bank’s ability to fund operations, dividends and strategic actions without relying solely on external financing over the coming months.

Stronger balance sheet metrics

Leverage and capital strengthened in 2025 as debt fell and equity rose, supporting a healthier capital base and a ~13.4% ROE. Reduced indebtedness and higher tangible equity increase resilience to shocks and provide capacity for loan growth or selective M&A over the next 2–6 months.

Completed strategic acquisition expanding footprint

The Cecil Bancorp acquisition expands ENB’s geographic footprint into northern/eastern Maryland and increases scale in assets, deposits and branches. The deal enhances deposit diversification, cross-sell potential and local market share, strengthening growth and revenue opportunities on a structural basis.

Negative Factors

Top-line volatility

A large revenue decline in 2025 creates uncertainty about the sustainability of margin gains. If core revenue proves cyclical or non-recurring, current profitability and free cash flow could reverse, constraining capital allocation and making earnings less predictable over the medium term.

Metric and disclosure inconsistencies

Inconsistent ratio reporting and some coverage metrics at 0.0 in 2025 reduce transparency into leverage and cash-flow adequacy. This weakens confidence in trend analysis and makes it harder to assess true capital cushions and liquidity resilience during stress periods.

Sensitivity to asset-quality shifts

Relative to its capital base, ENB’s sizable asset footprint means modest credit losses or localized loan deterioration could erode equity quickly. This concentration sensitivity elevates downside risk to capital ratios and earnings if regional economic conditions or loan performance worsen.

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.

ENB Financial Financial Statement Overview

Summary

2025 profitability and cash generation improved meaningfully (higher net/EBIT margins, higher net income, and stronger operating/free cash flow) alongside reduced debt and higher equity. Offsetting these positives are sharp revenue volatility in 2025 and some metric inconsistencies (leverage and cash-flow coverage readings), which add uncertainty around sustainability.

Income Statement

Profitability improved meaningfully in 2025, with net margin rising to ~24.9% from ~13.8% in 2024 and EBIT margin rebounding to ~30.8% from ~16.8%, driving higher net income ($21.6M vs. $15.3M). The key weakness is top-line volatility: revenue fell ~26.2% in 2025 after strong growth in 2023–2024, which raises questions around earnings durability despite strong current margins.

Balance Sheet

Leverage and capital trends improved in 2025, with total debt down to ~$127.8M from ~$183.5M and equity up to ~$161.1M from ~$131.0M, supporting a solid return on equity of ~13.4%. The main concern is that debt-to-equity is inconsistent across periods (including a 0.0 reading in 2025), limiting ratio-based confidence; additionally, the bank operates with a large asset base (~$2.26B) where small credit/asset-quality shifts can materially impact equity.

Cash Flow

Cash generation strengthened in 2025, with operating cash flow rising to ~$25.1M from ~$15.8M and free cash flow also at ~$25.1M (up from ~$11.0M), alongside positive free cash flow growth (~8.6%). A weakness is data reliability/coverage inconsistency: several cash-flow coverage metrics are reported as 0.0 in 2025, which reduces transparency on how well cash flow is keeping pace with earnings in the latest year.

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	26.73M	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	25.12M	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

• 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 24.80, below the 50-day MA of 24.39, and above the 200-day MA of 20.95, indicating a bullish trend. The MACD of 0.05 indicates Positive momentum. The RSI at 56.74 is Neutral, neither overbought nor oversold. The STOCH value of 34.32 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	76 Outperform	$142.47M	6.20	12.95%	3.19%	15.68%	22.66%
MGYR	75 Outperform	$104.30M	8.58	9.18%	1.81%	12.08%	27.88%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	65 Neutral	$112.60M	12.42	6.70%	1.75%	2.85%	73.41%
SRBK	59 Neutral	$126.08M	35.78	1.57%	0.88%	9.43%	166.36%
UNB	53 Neutral	$103.10M	9.81	14.80%	6.08%	14.52%	27.90%
BSBK	48 Neutral	$106.60M	39.11	1.50%	―	-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.