ENB Financial Corp
ENB Financial Corp
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 9 | 9 | 7 | 8 | 10 | 7 | 8 | 6 | 28 | 14 | 30 | 25 | |||||
Interest Bearing Deposits In Banks | 28 | 81 | 54 | 40 | 55 | 72 | 61 | 62 | 79 | 54 | 59 | 14 | |||||
Cash And Cash Equivalents At Carrying Value | 37 | 90 | 61 | 48 | 65 | 79 | 69 | 68 | 107 | 68 | 89 | 39 | |||||
Available For Sale Securities Debt Securities | 559 | 564 | 579 | 590 | 592 | 596 | 616 | 518 | 438 | 447 | 460 | 438 | |||||
Equity Securities Fv Ni Current And Noncurrent | 10 | 10 | 9 | 10 | 10 | 10 | 10 | 10 | 10 | 9 | 9 | 9 | |||||
Trade And Loans Receivables Held For Sale Net Not … | 2 | 1 | 3 | 1 | 2 | 3 | 4 | 2 | 1 | 2 | 0 | 1 | |||||
Loans And Leases Receivable Gross Carrying Amount … | - | - | 1,516 | 1,482 | 1,463 | 1,443 | 1,427 | 1,411 | 1,384 | 1,380 | 1,360 | 1,336 | |||||
Loans And Leases Receivable Net Of Deferred Income | - | - | - | - | - | - | - | - | - | - | - | 1,336 | |||||
Loans And Leases Receivable Allowance Covered | - | - | 17 | 17 | 17 | 17 | 16 | 15 | 14 | 15 | 15 | 16 | |||||
Debt Securities Held To Maturity Allowance For Cre… | - | - | - | - | - | - | - | - | 14 | 15 | 15 | - | |||||
Assets | |||||||||||||||||
Assets | 2,391 | 2,424 | 2,258 | 2,223 | 2,226 | 2,221 | 2,220 | 2,092 | 2,025 | 1,992 | 2,001 | 1,909 | |||||
Loans And Leases Receivable Net Reported Amount Co… | - | - | 1,499 | 1,466 | 1,447 | 1,427 | 1,411 | 1,396 | 1,370 | 1,366 | 1,345 | 1,319 | |||||
Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | - | - | - | 1,319 | |||||
Loans And Leases Receivable Net Reported Amount Co… | - | - | - | - | - | - | - | - | 1,370 | 1,366 | 1,345 | - | |||||
Financing Receivable Allowance For Credit Losses | - | 19 | - | - | - | 17 | - | - | - | - | - | - | |||||
Notes Receivable Net | 1,653 | 1,629 | - | - | 1,447 | 1,427 | - | - | - | - | - | - | |||||
Property Plant And Equipment Net | 35 | 34 | 32 | 31 | 30 | 28 | 28 | 28 | 26 | 27 | 25 | 25 | |||||
Federal Home Loan Bank Stock And Federal Reserve B… | 12 | 12 | 11 | 11 | 11 | 11 | 11 | 8 | 9 | 9 | 9 | 8 | |||||
Other Real Estate | - | - | - | - | 1 | - | - | - | - | - | - | - | |||||
Goodwill | 7 | 7 | - | - | - | - | - | - | - | - | - | - | |||||
Finite Lived Intangible Assets Net | 3 | 3 | - | - | - | - | - | - | - | - | - | - | |||||
Bank Owned Life Insurance | 36 | 36 | 37 | 37 | 36 | 36 | 36 | 36 | 36 | 36 | 36 | 35 | |||||
Liabilities | |||||||||||||||||
Other Assets | 38 | 40 | 27 | 29 | 32 | 31 | 35 | 27 | 29 | 29 | 28 | 33 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Deposits | |||||||||||||||||
Deposits | 2,017 | 2,066 | 1,873 | 1,885 | 1,897 | 1,893 | 1,890 | 1,815 | 1,754 | 1,721 | 1,727 | 1,661 | |||||
Noninterest Bearing Deposit Liabilities | 707 | 692 | 649 | 623 | 629 | 634 | 632 | 599 | 623 | 603 | 612 | 583 | |||||
Interest Bearing Deposit Liabilities | 1,310 | 1,375 | 1,224 | 1,261 | 1,268 | 1,259 | 1,259 | 1,216 | 1,131 | 1,118 | 1,115 | 1,078 | |||||
Short Term Borrowings | 76 | 60 | 60 | 60 | 60 | 60 | 60 | - | - | - | - | - | |||||
Other Long Term Debt | 53 | 60 | 68 | 71 | 76 | 79 | 84 | 88 | 92 | 97 | 101 | 99 | |||||
Subordinated Debt | 62 | 61 | 81 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | |||||
Other Liabilities | 12 | 13 | 14 | 15 | 14 | 13 | 15 | 14 | 12 | 13 | 14 | 12 | |||||
Liabilities | 2,220 | 2,261 | 2,097 | 2,071 | 2,086 | 2,086 | 2,089 | 1,957 | 1,899 | 1,870 | 1,881 | 1,811 | |||||
Additional Paid In Capital | - | - | - | - | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | |||||
Common Stock Value | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Additional Paid In Capital Common Stock | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | - | - | - | - | |||||
Stockholders Equity | |||||||||||||||||
Stockholders Equity | 172 | 163 | 161 | 152 | 139 | 135 | 131 | 135 | 126 | 122 | 120 | 98 | |||||
Retained Earnings Accumulated Deficit | 187 | 182 | 179 | 175 | 170 | 165 | 162 | 159 | 157 | 154 | 151 | 147 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -20 | -23 | -22 | -27 | -34 | -33 | -34 | -27 | -34 | -35 | -34 | -53 | |||||
Treasury Stock Value | -0 | -1 | -1 | -1 | -1 | -1 | -1 | -2 | -1 | -1 | -1 | -2 | |||||
Liabilities And Stockholders Equity | 2,391 | 2,424 | 2,258 | 2,223 | 2,226 | 2,221 | 2,220 | 2,092 | 2,025 | 1,992 | 2,001 | 1,909 | |||||
Debt Securities Available For Sale Allowance For C… | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | - | |||||
Allowance For Doubtful Accounts Receivable Current | - | - | - | - | - | - | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Par Or Stated Value Per Share | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | |||||
Common Stock Shares Authorized | 24 | 24 | 24 | 24 | 24 | 24 | 24 | 24 | 24 | 24 | 24 | 24 | |||||
Common Stock Shares Issued | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | |||||
Shares Outstanding | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | |||||
Treasury Stock Common Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 3.22% | 10.78% | 11.88% | - | - | - | - | - | - | - | - | - |
| 2025 | 3.81% | 3.81% | 14.67% | 5.22% | 5.75% | 22.54% | 1.05% | 5.68% | 9.32% | -1.24% | 3.60% | 6.03% |
| 2024 | -3.06% | -2.86% | 16.23% | -1.75% | -0.17% | 1.28% | -3.32% | -3.15% | -4.26% | 1.23% | 2.64% | 6.67% |
| 2023 | - | - | - | - | - | - | 5.99% | 12.37% | 17.13% | 0.35% | 6.29% | 3.04% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.64 | -0.63 | -0.61 | -0.64 | -0.67 | -0.68 | -0.32 | 0.17 | 0.78 | 1.60 | 1.62 | 1.81 | |||||
Efficiency & Turnover | |||||||||||||||||
| Days Sales Outstanding TTM | - | - | - | - | - | - | - | - | - | - | - | 5,994.89 | |||||
| Receivables Turnover TTM | - | - | - | - | - | - | - | - | - | - | - | 0.06 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 3.71 | 3.73 | 3.80 | - | 3.03 | 2.77 | 2.71 | - | - | - | - | - | |||||
| Free Cash Flow Per Share TTM | 3.45 | 3.31 | 3.38 | 3.26 | 2.40 | 2.65 | 2.03 | 2.77 | 3.01 | 2.97 | 5.07 | 4.78 | |||||
| Dividend Per Share TTM | 0.72 | 0.72 | 0.72 | 0.72 | 0.71 | 0.70 | 0.69 | 0.68 | 0.68 | 0.68 | 0.68 | 0.68 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 66.25% | 65.39% | 64.75% | 64.38% | 63.27% | 62.09% | 61.10% | 57.31% | 58.69% | 60.75% | 64.24% | 74.83% | |||||
| Operating Profit Margin TTM | 23.58% | 24.44% | 25.20% | 23.33% | 20.93% | 19.78% | 20.06% | 22.16% | 23.41% | 20.51% | 19.02% | 20.28% | |||||
| Net Profit Margin TTM | 18.95% | 19.63% | 20.32% | 18.94% | 17.04% | 16.20% | 16.49% | 18.20% | 19.27% | 17.00% | 15.89% | 17.27% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 10.73% | 11.86% | 14.26% | 17.91% | 18.54% | 18.66% | 19.25% | 20.21% | 24.03% | 30.88% | 39.17% | 46.61% | |||||
| Net Income Growth (1Y) | 23.11% | 35.53% | 40.75% | 22.69% | 4.86% | 13.10% | 23.77% | 26.65% | 24.94% | -0.04% | -15.42% | 1.96% | |||||
| EPS Growth (1Y) | 22.37% | 34.62% | 40.33% | 22.13% | 4.77% | 13.27% | 23.47% | 26.41% | 24.39% | -0.64% | -16.26% | 1.29% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 7.57 | 6.45 | 6.06 | 5.59 | 5.53 | 5.45 | 5.99 | 5.63 | 4.74 | 5.37 | 6.07 | 5.20 | |||||
| P/B TTM | 0.93 | 0.84 | 0.81 | 0.73 | 0.68 | 0.63 | 0.70 | 0.67 | 0.62 | 0.61 | 0.63 | 0.68 | |||||
| P/S TTM | 1.43 | 1.27 | 1.23 | 1.06 | 0.94 | 0.88 | 0.99 | 1.02 | 0.91 | 0.91 | 0.96 | 0.90 | |||||
| Market Cap | 160.15M | 137.28M | 130.68M | 110.48M | 94.97M | 85.53M | 91.69M | 90.68M | 77.71M | 74.56M | 75.15M | 66.16M | |||||
| Enterprise Value | 199.00M | 107.76M | 130.10M | 122.08M | 89.70M | 66.80M | 82.78M | 22.96M | -28.90M | 6.71M | -13.85M | 27.40M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 19.66M | 18.85M | 19.18M | 18.54M | 13.59M | 14.97M | 11.51M | 15.67M | 17.03M | 16.84M | 28.60M | 26.97M | |||||
| Net Debt | 38.86M | -29.52M | -573.00K | 11.60M | -5.27M | -18.73M | -8.91M | -67.72M | -106.61M | -67.85M | -89.00M | -38.76M | |||||
Per-Share and Margin | |||||||||||||||||
| EPS TTM | |||||||||||||||||
| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
ENB Financial Corp (ENBP) — SEC Financial Statements & Analysis
ENB Financial Corp (ENBP) is a national commercial banks company, incorporated in PA. ENB Financial Corp trades on OTC as: ENBP. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), ENB Financial Corp reported a 10.73% year-over-year revenue growth, a Gross Profit Margin of 66.25% (TTM), a Price-to-Sales (P/S) ratio of 1.43x (TTM), a Price-to-Book (P/B) ratio of 0.93x (TTM), at a market cap of $160.15M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 10.73%
- Gross Profit Margin TTM
- 66.25%
- P/S TTM
- 1.43x
- P/B TTM
- 0.93x
- Market Cap
- $160.15M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is ENB Financial Corp in?
ENB Financial Corp (ENBP) operates in the National Commercial Banks industry.
What is ENBP's market cap?
ENB Financial Corp (ENBP) has a market capitalization of $160.15M as of 2026-06-30.
What is ENBP's P/E ratio?
ENB Financial Corp (ENBP)'s trailing twelve month P/E ratio is 7.57x as of 2026-06-30.
What exchange does ENBP trade on?
ENB Financial Corp (ENBP) trades on the OTC.
Where is ENB Financial Corp incorporated?
ENB Financial Corp is incorporated in PA.