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ENB Financial Corp

Data quality: 83%
ENBP
OTC Financial Services Depository Institutions
$24.21
▼ $0.29 (-1.18%)
Mkt Cap: 137.97 M
Price
$24.21
Mkt Cap
137.97 M
Day Range
$24.20 — $24.50
52-Week Range
$15.85 — $25.49
Volume
2,323
Open $24.50
50D / 200D Avg
$24.62
1.68% below
50D / 200D Avg
$21.54
12.39% above

Quick Summary

Key Takeaways

Earnings grew 40.75% over the past year
ROE of 14.79% — decent returns on equity
Debt/Equity of 0.39 — conservative balance sheet
Generating 19.18 M in free cash flow
P/E of 6.40 — trading at a low valuation
PEG of 0.66 suggests growth is underpriced

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)40.75%
FCF Growth (3Y)-18.11%

Quality

Return on Equity
14.79%
Above sector avg (10.70%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
0.39
Below sector avg (0.50)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
6.40
Below sector avg (12.63)
P/B Ratio0.91
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (1096 peers)
Metric Stock Sector Median
P/E 6.4 12.6
P/B 0.9 1.4
ROE % 14.8 10.7
Net Margin % — 14.8
Rev Growth 5Y % — 6.4
D/E 0.4 0.5

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 40.75% Earnings Growth (3Y) 31.99%
Revenue Growth (5Y) N/A Earnings Growth (5Y) 9.65%
Profitability
Revenue (TTM) N/A Net Income (TTM) 21.56 M
ROE 14.79% ROA 0.97%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 19.18 M
ROIC N/A FCF Growth (3Y) -18.11%
Safety
Debt / Equity 0.39 Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 151.99 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 6.40 Forward P/E N/A
P/B Ratio 0.91 P/S Ratio N/A
PEG Ratio 0.66 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 13.90%
Market Cap 137.97 M Enterprise Value 149.57 M
Per Share
EPS (Diluted TTM) 3.80 Revenue / Share N/A
FCF / Share 3.36 OCF / Share 4.41
EPS CAGR (1Y) 40.22% EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue N/A FCF Conversion 88.94%
SBC-Adj. FCF 19.12 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 21.56 M 15.32 M 12.38 M 14.63 M 14.92 M
EPS (Diluted) 3.80 2.71 2.19 — —
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 68.70 M 56.74 M 23.84 M 5.38 M 3.02 M
Income Tax 5.18 M 3.31 M 2.44 M 2.29 M 2.62 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 2.26 B 2.22 B 2.00 B 1.86 B 1.72 B
Total Liabilities 2.10 B 2.09 B 1.88 B 1.76 B 1.58 B
Shareholders' Equity 161.05 M 130.98 M 119.65 M 97.34 M 137.29 M
Total Debt 60.00 M 60.00 M 16.00 M 16.00 M —
Cash & Equivalents 60.57 M 68.91 M 89.00 M 37.57 M 158.45 M
Current Assets — — — — —
Current Liabilities — — — — —