ENB Financial Corp Logo

ENB Financial Corp

ENBP

(3.5)
Stock Price

18,20 USD

0.81% ROA

14.1% ROE

5.86x PER

Market Cap.

96.623.203,00 USD

104.77% DER

3.99% Yield

23.31% NPM

ENB Financial Corp Stock Analysis

ENB Financial Corp Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

ENB Financial Corp Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.78x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a low debt to equity ratio (0%), which means it has a small amount of debt compared to the ownership it holds

3 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

5 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

6 ROE

ROE in an average range (12.5%) suggests satisfactory profitability and decent utilization of shareholders' equity.

7 ROA

The stock's ROA (0.67%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

8 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

9 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (75) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

11 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

ENB Financial Corp Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

ENB Financial Corp Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

ENB Financial Corp Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

ENB Financial Corp Revenue
Year Revenue Growth
2001 17.127.000
2002 20.174.000 15.1%
2003 21.344.000 5.48%
2004 21.941.000 2.72%
2005 22.699.000 3.34%
2006 22.065.000 -2.87%
2007 38.580.000 42.81%
2008 25.034.000 -54.11%
2009 27.794.000 9.93%
2010 29.560.000 5.97%
2011 30.393.000 2.74%
2012 29.131.000 -4.33%
2013 30.921.000 5.79%
2014 32.009.000 3.4%
2015 33.153.000 3.45%
2016 36.431.000 9%
2017 40.499.000 10.04%
2018 44.161.000 8.29%
2019 47.924.000 7.85%
2020 53.608.000 10.6%
2021 58.452.000 8.29%
2022 62.722.000 6.81%
2023 67.652.000 7.29%
2023 90.576.000 25.31%
2024 73.580.000 -23.1%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

ENB Financial Corp Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

ENB Financial Corp General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 5.726.000
2002 6.549.000 12.57%
2003 6.952.000 5.8%
2004 7.280.000 4.51%
2005 7.612.000 4.36%
2006 8.600.000 11.49%
2007 18.280.000 52.95%
2008 11.892.000 -53.72%
2009 12.398.000 4.08%
2010 12.412.000 0.11%
2011 12.001.000 -3.42%
2012 14.484.000 17.14%
2013 14.495.000 0.08%
2014 15.567.000 6.89%
2015 16.390.000 5.02%
2016 18.600.000 11.88%
2017 21.550.000 13.69%
2018 22.581.000 4.57%
2019 23.669.000 4.6%
2020 25.210.000 6.11%
2021 28.885.000 12.72%
2022 32.915.000 12.24%
2023 0 0%
2023 30.152.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

ENB Financial Corp EBITDA
Year EBITDA Growth
2001 19.591.000
2002 18.576.000 -5.46%
2003 18.354.000 -1.21%
2004 18.141.000 -1.17%
2005 19.919.000 8.93%
2006 20.002.000 0.41%
2007 21.440.000 6.71%
2008 19.756.000 -8.52%
2009 18.519.000 -6.68%
2010 19.234.000 3.72%
2011 17.908.000 -7.4%
2012 16.675.000 -7.39%
2013 15.922.000 -4.73%
2014 14.767.000 -7.82%
2015 13.560.000 -8.9%
2016 13.583.000 0.17%
2017 13.245.000 -2.55%
2018 16.047.000 17.46%
2019 15.077.000 -6.43%
2020 16.273.000 7.35%
2021 19.208.000 15.28%
2022 23.923.000 19.71%
2023 17.536.000 -36.42%
2023 26.470.000 33.75%
2024 -20.936.000 226.43%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

ENB Financial Corp Gross Profit
Year Gross Profit Growth
2001 17.127.000
2002 20.174.000 15.1%
2003 21.344.000 5.48%
2004 21.941.000 2.72%
2005 22.699.000 3.34%
2006 22.065.000 -2.87%
2007 38.580.000 42.81%
2008 25.034.000 -54.11%
2009 27.794.000 9.93%
2010 29.560.000 5.97%
2011 30.393.000 2.74%
2012 28.802.000 -5.52%
2013 30.577.000 5.81%
2014 31.652.000 3.4%
2015 32.808.000 3.52%
2016 35.857.000 8.5%
2017 15.907.000 -125.42%
2018 18.343.000 13.28%
2019 21.200.000 13.48%
2020 25.626.000 17.27%
2021 28.214.000 9.17%
2022 28.569.000 1.24%
2023 29.924.000 4.53%
2023 52.665.000 43.18%
2024 32.300.000 -63.05%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

ENB Financial Corp Net Profit
Year Net Profit Growth
2001 5.357.000
2002 6.244.000 14.21%
2003 6.467.000 3.45%
2004 6.801.000 4.91%
2005 6.985.000 2.63%
2006 4.771.000 -46.41%
2007 5.060.000 5.71%
2008 4.014.000 -26.06%
2009 4.300.000 6.65%
2010 6.345.000 32.23%
2011 7.148.000 11.23%
2012 7.642.000 6.46%
2013 7.710.000 0.88%
2014 7.092.000 -8.71%
2015 6.910.000 -2.63%
2016 7.553.000 8.51%
2017 6.344.000 -19.06%
2018 9.749.000 34.93%
2019 11.395.000 14.44%
2020 12.299.000 7.35%
2021 14.916.000 17.54%
2022 14.631.000 -1.95%
2023 14.452.000 -1.24%
2023 12.375.000 -16.78%
2024 17.256.000 28.29%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

ENB Financial Corp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 1
2002 1 100%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 100%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 2 0%
2019 2 50%
2020 2 0%
2021 3 0%
2022 3 0%
2023 3 0%
2023 2 0%
2024 3 33.33%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

ENB Financial Corp Free Cashflow
Year Free Cashflow Growth
2001 2.270.000
2002 4.058.000 44.06%
2003 4.603.000 11.84%
2004 6.282.000 26.73%
2005 6.026.000 -4.25%
2006 5.194.000 -16.02%
2007 5.140.000 -1.05%
2008 3.268.000 -57.28%
2009 1.869.000 -74.85%
2010 7.419.000 74.81%
2011 6.993.000 -6.09%
2012 3.753.000 -86.33%
2013 7.254.000 48.26%
2014 8.203.000 11.57%
2015 9.539.000 14.01%
2016 7.838.000 -21.7%
2017 6.722.000 -16.6%
2018 15.336.000 56.17%
2019 14.370.000 -6.72%
2020 15.139.000 5.08%
2021 11.734.000 -29.02%
2022 19.283.000 39.15%
2023 21.720.000 11.22%
2023 5.850.000 -271.28%
2024 4.233.000 -38.2%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

ENB Financial Corp Operating Cashflow
Year Operating Cashflow Growth
2001 4.410.000
2002 6.632.000 33.5%
2003 7.417.000 10.58%
2004 9.238.000 19.71%
2005 7.845.000 -17.76%
2006 8.269.000 5.13%
2007 7.200.000 -14.85%
2008 6.930.000 -3.9%
2009 4.107.000 -68.74%
2010 8.388.000 51.04%
2011 8.803.000 4.71%
2012 4.419.000 -99.21%
2013 10.660.000 58.55%
2014 9.139.000 -16.64%
2015 10.408.000 12.19%
2016 10.444.000 0.34%
2017 11.350.000 7.98%
2018 16.757.000 32.27%
2019 15.459.000 -8.4%
2020 16.443.000 5.98%
2021 13.256.000 -24.04%
2022 21.616.000 38.68%
2023 23.805.000 9.2%
2023 6.377.000 -273.29%
2024 4.775.000 -33.55%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

ENB Financial Corp Capital Expenditure
Year Capital Expenditure Growth
2001 2.140.000
2002 2.574.000 16.86%
2003 2.814.000 8.53%
2004 2.956.000 4.8%
2005 1.819.000 -62.51%
2006 3.075.000 40.85%
2007 2.060.000 -49.27%
2008 3.662.000 43.75%
2009 2.238.000 -63.63%
2010 969.000 -130.96%
2011 1.810.000 46.46%
2012 666.000 -171.77%
2013 3.406.000 80.45%
2014 936.000 -263.89%
2015 869.000 -7.71%
2016 2.606.000 66.65%
2017 4.628.000 43.69%
2018 1.421.000 -225.69%
2019 1.089.000 -30.49%
2020 1.304.000 16.49%
2021 1.522.000 14.32%
2022 2.333.000 34.76%
2023 2.085.000 -11.89%
2023 527.000 -295.64%
2024 542.000 2.77%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

ENB Financial Corp Equity
Year Equity Growth
2001 54.015.000
2002 61.105.000 11.6%
2003 63.808.000 4.24%
2004 65.561.000 2.67%
2005 64.062.000 -2.34%
2006 65.957.000 2.87%
2007 68.800.000 4.13%
2008 68.045.000 -1.11%
2009 69.576.000 2.2%
2010 74.233.000 6.27%
2011 82.471.000 9.99%
2012 89.515.000 7.87%
2013 83.776.000 -6.85%
2014 92.767.000 9.69%
2015 95.102.000 2.46%
2016 94.939.000 -0.17%
2017 99.759.000 4.83%
2018 102.802.000 2.96%
2019 116.688.000 11.9%
2020 130.216.000 10.39%
2021 137.288.000 5.15%
2022 97.335.000 -41.05%
2023 119.654.000 18.65%
2023 97.502.000 -22.72%
2024 125.966.000 22.6%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

ENB Financial Corp Assets
Year Assets Growth
2001 438.870.000
2002 478.885.000 8.36%
2003 525.995.000 8.96%
2004 544.063.000 3.32%
2005 577.578.000 5.8%
2006 606.670.000 4.8%
2007 633.700.000 4.27%
2008 688.423.000 7.95%
2009 725.952.000 5.17%
2010 747.769.000 2.92%
2011 771.146.000 3.03%
2012 799.186.000 3.51%
2013 812.256.000 1.61%
2014 857.208.000 5.24%
2015 905.601.000 5.34%
2016 984.253.000 7.99%
2017 1.033.622.000 4.78%
2018 1.097.842.000 5.85%
2019 1.171.750.000 6.31%
2020 1.462.313.000 19.87%
2021 1.717.230.000 14.84%
2022 1.858.716.000 7.61%
2023 2.000.824.000 7.1%
2023 1.908.547.000 -4.83%
2024 2.024.558.000 5.73%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

ENB Financial Corp Liabilities
Year Liabilities Growth
2001 384.855.000
2002 417.780.000 7.88%
2003 462.187.000 9.61%
2004 478.502.000 3.41%
2005 513.516.000 6.82%
2006 540.713.000 5.03%
2007 564.900.000 4.28%
2008 620.378.000 8.94%
2009 656.376.000 5.48%
2010 673.536.000 2.55%
2011 688.675.000 2.2%
2012 709.671.000 2.96%
2013 728.480.000 2.58%
2014 764.441.000 4.7%
2015 810.499.000 5.68%
2016 889.314.000 8.86%
2017 933.863.000 4.77%
2018 995.040.000 6.15%
2019 1.055.062.000 5.69%
2020 74.391.000 -1318.27%
2021 63.886.000 -16.44%
2022 1.761.381.000 96.37%
2023 1.881.170.000 6.37%
2023 98.528.000 -1809.27%
2024 1.898.592.000 94.81%

ENB Financial Corp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
12.49
Net Income per Share
2.91
Price to Earning Ratio
5.86x
Price To Sales Ratio
1.37x
POCF Ratio
5.32
PFCF Ratio
6.47
Price to Book Ratio
0.76
EV to Sales
1.73
EV Over EBITDA
-23.91
EV to Operating CashFlow
6.76
EV to FreeCashFlow
8.17
Earnings Yield
0.17
FreeCashFlow Yield
0.15
Market Cap
0,10 Bil.
Enterprise Value
0,12 Bil.
Graham Number
38.28
Graham NetNet
-240.54

Income Statement Metrics

Net Income per Share
2.91
Income Quality
1.1
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0.05
Net Income per EBT
0.82
EBT Per Ebit
0.44
Ebit per Revenue
0.64
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
0.45
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.44
Operating Profit Margin
0.64
Pretax Profit Margin
0.28
Net Profit Margin
0.23

Dividends

Dividend Yield
0.04
Dividend Yield %
3.99
Payout Ratio
0.23
Dividend Per Share
0.68

Operating Metrics

Operating Cashflow per Share
3.2
Free CashFlow per Share
2.65
Capex to Operating CashFlow
0.17
Capex to Revenue
0.04
Capex to Depreciation
1.5
Return on Invested Capital
0.14
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.55

Balance Sheet

Cash per Share
96,69
Book Value per Share
22,37
Tangible Book Value per Share
22.37
Shareholders Equity per Share
22.37
Interest Debt per Share
27.83
Debt to Equity
1.05
Debt to Assets
0.07
Net Debt to EBITDA
-4.97
Current Ratio
0.1
Tangible Asset Value
0,13 Bil.
Net Current Asset Value
-1,79 Bil.
Invested Capital
-987390000
Working Capital
-1,01 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.37

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

ENB Financial Corp Dividends
Year Dividends Growth
2001 1
2002 1 0%
2003 1 0%
2004 1 100%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 100%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

ENB Financial Corp Profile

About ENB Financial Corp

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.

CEO
Mr. Jeffrey S. Stauffer
Employee
281
Address
31 East Main Street
Ephrata, 17522-0457

ENB Financial Corp Executives & BODs

ENB Financial Corp Executives & BODs
# Name Age
1 Ms. Adrienne Lea Miller Esq.
Senior Vice President, General Counsel & Corporate Secretary
70
2 Mr. Jeffrey S. Stauffer
Chairman, President & Chief Executive Officer
70
3 Mr. Chad E. Neiss
Senior EVice President, Chief Strategy Officer & Interim Chief Operating Officer
70
4 Mr. William J. Kitsch IV
Senior EVice President & Chief Revenue Officer
70
5 Ms. Rachel G. Bitner
Executive Vice President, Chief Financial Officer & Treasurer
70
6 Ms. Cindy L. Cake M.B.A.
Executive Vice President & Chief Human Resource Officer
70

ENB Financial Corp Competitors