ENB Financial (ENBP) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

ENB Financial

OTC Markets OTCQX•Financial Services•Banks - Regional

$29.850.00(0.00%)Market open

Market Cap

$168.68M

P/E

8.0x

P/S

1.8x

P/B

1.0x

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 the United States. The company offers deposit products comprising non-interest bearing and interest-bearing demand deposits, NOW accounts, money market deposit accounts, savings accounts, and time deposits; and direct deposit and direct payments of funds through electronic funds transfer. Its loan portfolio consists of secured and unsecured commercial, agriculture loans, home equity loans, real estate, and consumer loans. In addition, the company offers ATM, telephone banking, debit and credit card, master card, visa, safe deposit box facilities, bill pay and wire transfer capabilities, remote deposit capture, and trust and investment advisory services. ENB Financial Corp was founded in 1881 and is headquartered in Ephrata, Pennsylvania.

How this company scores

WeakMetricSide Score: 86/100

Grade capped at D — Interest coverage below 1× (0.8x) — earnings cannot cover interest. Strongest: Growth (24/25); weakest: Balance Sheet & Red Flags (16/25).

Profitability23/25

Growth24/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality23/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Grade capped at D

Interest coverage below 1× (0.8x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 8.0x5y range 5.1x – 9.0x

Currently above its 20-quarter median.

P/S · 1.8x5y range 1.1x – 2.1x

Currently above its 20-quarter median.

P/B · 1.0x5y range 0.7x – 1.2x

Price & Volume

Market Cap $168.68M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $93.41M
Q. Revenue: $24.84M
TTM EBITDA: $26.54M
TTM Op. Income: $26.33M
Q. Op. Income: $7.04M
TTM Net Income: $21.16M
Q. Net Income: $5.70M
EPS: $1
Shares Out.: $5.70M

$93.41M in TTM revenue grew 16.4% YoY, reaching $24.84M last quarter. TTM EBITDA of $26.54M and TTM operating income of $26.33M show growth is flowing through to the bottom line. TTM net income of $21.16M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 49.5%
EBITDA Margin: 28.8%
Op. Margin: 28.3%
Net Margin: 23.0%

Op. margin of 28.3% is down 5.4% YoY — costs are rising relative to revenue. Net margin at 23.0% and gross margin of 49.5% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 16% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 8.0x
P/S Ratio: 1.8x
P/B Ratio: 1.0x

At 8.0x P/E, the stock trades below typical market levels. P/S of 1.8x and P/B of 1.0x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 5 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.39B
Cash: $37.15M
Long-Term Debt: $53.01M
Book Value: $171.52M
D/E Ratio: 0.3
Debt/EBITDA: 7.4

With $2.39B in assets and $53.01M in long-term debt, D/E is 0.3and book value is $171.52M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $6.45M
TTM Free Cash Flow: $19.66M
FCF Margin: 21.0%
FCF / Net Income: 0.9

TTM FCF of $19.66M on $6.45M in operating cash flow. The FCF / Net Income ratio of 0.9x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 45% — an improving trend.