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Enb Financial(OTC) ENBP

Market Cap$165.85MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1979)+998%
5 Year+60%
1 Year+60%
1 Month+1%
$29.16
+1.12%
+0.32Today
Enb Financial last closing stock price
MetricPriceDate
Last closeUSD 29.162026-08-17
Enb Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+3.69%USD 28.122026-08-10
1 month+1.19%USD 28.822026-07-17
3 month+15.57%USD 25.232026-05-19
Year to date+26.65%USD 23.032025-12-31
1 year+59.87%USD 18.242025-08-14
3 year+142.49%USD 12.032023-08-18
5 year+60.21%USD 18.202021-08-18
Since inception+997.8%USD 2.631979-10-15

Enb Financial Financials at a Glance

Market Cap

$165.85MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$102.90M

Net Income (TTM)

$21.16M

EPS (TTM)

$3.72

P/E Ratio

7.81

Dividend

$0.90

Beta (Volatility)

0.08 (Low)

Price

$29.16

Volume

700

Open

$29.06

Previous Close

$29.16

Daily Range

$29.06 - $29.21

52-Week Range

$18.40 - $29.55

Estimated Earnings Date

Jul 27, 2026

ENBP News

No articles available.

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About Enb Financial

ENB Financial Corp helps people and businesses manage money and access loans. Its services include checking accounts, savings, and business lending. Customers use these products for daily banking and financial planning needs.

Products and Services

  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses (percentage of revenue not disclosed).
  • Loans: Commercial, real estate, agricultural, and consumer loans for local borrowers (percentage of revenue not disclosed).
  • Digital Banking: Online, mobile, and ATM services for convenient account access (percentage of revenue not disclosed).
  • Wealth Management: Trust and investment advisory services for personal and business clients (percentage of revenue not disclosed).
  • Insurance: Personal and commercial insurance products through ENB Insurance (percentage of revenue not disclosed).

Growth and Expansion

  • Acquired Cecil Bancorp in 2026, adding four Maryland branches and $218.7 million in assets.
  • Opened a new branch in downtown Lititz, Pennsylvania in June 2025.
  • Launched a $200 million investment strategy in 2024 to manage interest rate risk.
  • Expanded digital banking features and mobile app in 2025.

What Makes ENB Financial Corp Stand Out

ENB Financial Corp focuses on community banking with a strong local presence. It maintains high capital ratios and a diversified loan portfolio. The company invests in technology to improve customer convenience and risk management.

Five Things You Need to Know

  • Total revenue was $23 million in Q4 2025, down 24.8% from Q4 2024.
  • Net income reached $21.6 million in 2025, up 40.8% from 2024.
  • Total assets were $2.26 billion as of December 31, 2025, up from 2024.
  • Return on average equity was 15.17% in 2025, up from 12.13% in 2024.
  • Non-performing loans were $9.3 million (0.62% of total loans) at year-end 2025.

Bottom Line

ENB Financial Corp has grown through local expansion and acquisitions. Its focus on community banking and technology supports stable performance in a competitive market.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

315

CEO

Jeffrey S. Stauffer

Website

www.epnb.com

Headquarters

Ephrata, PA 17522-0457, US

ENBP Financials

Key Financial Metrics (TTM)

Gross Margin

90.98%

Operating Margin

25.59%

Net Income Margin

20.56%

Return on Equity

13.06%

Return on Capital

9.25%

Return on Assets

0.89%

Earnings Yield

12.80%

Dividend Yield

3.10%

Payout Ratio

14.50%

Stock Overview

Market Cap

$165.85MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

5.71M

Volume

700

Avg. Volume

701.952

Financials (TTM)

Gross Profit

$93.62M

Operating Income

$26.33M

EBITDA

$28.22M

Operating Cash Flow

$24.81M

Capital Expenditure

-$224.00K

Free Cash Flow

$23.42M

Cash & ST Invst.

$567.54M

Total Debt

$129.01M

Enb Financial Performance Analysis

Enb Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 69,523,00013.1%
20232023-12-31USD 90,576,00030.3%
20242024-12-31USD 110,998,00022.5%
20252025-12-31USD 124,146,00011.8%
Enb Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-304.2%
Q42025-12-31-29.1%
Q12026-03-312.6%
Q22026-06-306.6%
Enb Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.62-2.3%
20232023-12-31USD 2.19-16.3%
20242024-12-31USD 2.7123.5%
20252025-12-31USD 3.8040.3%
Enb Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-302.0%
Q42025-12-31-6.7%
Q12026-03-31-26.8%
Q22026-06-3040.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$24.84M

-19.2%

Gross Profit

$25.31M

+19.3%

Gross Margin

1.02%

N/A

Market Cap

$165.85MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$536.73K

N/A

Employees

309

N/A

Net Income

$5.70M

-1.8%

EBITDA

$7.04M

-8.8%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$567.54M

+5.6%

Total Debt

$129.01M

-26.5%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$190.54M

+64.8%

Short Term Debt

$76.00M

+26.7%

Return on Assets

0.89%

N/A

Return on Invested Capital

1.14%

N/A

Free Cash Flow

$7.28M

+54.9%

Operating Cash Flow

$6.45M

+3.3%

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Questions About ENBP

What is the current price of Enb Financial?

Enb Financial is trading at $29.16 per share.

What is the 52-week range for Enb Financial?

Over the past 52 weeks, Enb Financial has traded between $18.40 and $29.55.

How much debt does Enb Financial have?

As of the most recent reporting period, Enb Financial reported total debt of $190.54M.

How much cash does Enb Financial have on hand?

Enb Financial does not have cash on hand data available.

What is Enb Financial’s dividend yield?

Enb Financial currently has a dividend yield of 3.10%.

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