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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.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 26.73M | 18.62M | 14.81M | 16.92M | 17.54M |
| Net income | 21.56M | 15.32M | 12.38M | 14.63M | 14.92M |
| Selling general administrative | 36.06M | 35.20M | 31.56M | 45.93M | 40.44M |
| Gross profit | - | - | - | 62.85M | 57.98M |
| Reconciled depreciation | 2.26M | 2.09M | 2.00M | 1.63M | 1.67M |
| Ebit | - | - | - | 108.78M | 17.54M |
| Operating income | - | - | - | 108.78M | 17.54M |
| Other operating expenses | - | - | - | 5.10M | 40.44M |
| Interest expense | 37.41M | 36.13M | 23.84M | 5.38M | 3.02M |
| Tax provision | 5.18M | 3.31M | 2.44M | 2.29M | 2.62M |
| Interest income | 104.72M | 91.55M | 76.77M | 55.38M | 40.57M |
| Net interest income | 67.31M | 55.43M | 52.94M | 50.00M | 40.57M |
| Income tax expense | - | - | - | 2.29M | 2.62M |
| Total revenue | 86.74M | 74.87M | 66.74M | 62.85M | 57.98M |
| Total operating expenses | - | - | - | -45.93M | 40.44M |
| Net income from continuing ops | 21.56M | 15.32M | 12.38M | 14.63M | 14.92M |
| Net income applicable to common shares | - | - | - | 14.63M | 14.92M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 2257.73M | 2219.83M | 2000.82M | 1858.72M | 1717.23M |
| Other current assets | - | - | - | 5.93M | 3.19M |
| Total liab | 2096.67M | 2088.85M | 1881.17M | 1761.38M | 1579.94M |
| Total stockholder equity | 161.05M | 130.98M | 119.65M | 97.33M | 137.29M |
| Other current liab | - | - | - | 1638.96M | 1512.21M |
| Common stock | - | - | - | 0.57M | 0.57M |
| Capital stock | 0.57M | 0.57M | 0.57M | 0.57M | 0.57M |
| Retained earnings | 179.48M | 162.01M | 150.60M | 142.68M | 131.86M |
| Other liab | - | - | - | 5.84M | 3.84M |
| Other assets | - | - | - | 1240.92M | 1150.15M |
| Cash | 60.57M | 68.91M | 89.00M | 37.57M | 158.45M |
| Total current liabilities | - | - | - | 1654.96M | 1512.21M |
| Net debt | 148.68M | 114.63M | 51.79M | 75.86M | - |
| Short term debt | - | - | - | 16.00M | - |
| Short long term debt | 60.00M | 60.00M | 0.00M | 16.00M | - |
| Other stockholder equity | - | - | - | -48.29M | 3.44M |
| Property plant equipment | - | - | - | 25.33M | 24.48M |
| Total current assets | - | - | - | 37.57M | 158.45M |
| Long term investments | 471.13M | 523.18M | 469.02M | 1712.04M | 1469.26M |
| Net tangible assets | - | - | - | 97.33M | 137.29M |
| Short term investments | 461.65M | 513.47M | 459.57M | 529.14M | 558.09M |
| Long term debt | 149.25M | 123.54M | 140.78M | 97.44M | 63.89M |
| Accounts payable | - | - | - | 1638.96M | 1512.21M |
| Common stock total equity | - | - | - | 0.57M | 0.57M |
| Retained earnings total equity | - | - | - | 142.68M | 131.86M |
| Treasury stock | - | - | - | -2.06M | -3.10M |
| Non currrent assets other | - | - | - | 83.78M | 65.05M |
| Non current assets total | - | - | - | 1821.14M | 1558.78M |
| Long term debt total | - | - | - | 97.44M | 63.89M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 56.10M | -164.14M | -106.06M | -313.31M | -187.27M |
| Change to liabilities | - | - | - | 0.35M | -0.07M |
| Total cashflows from investing activities | - | - | - | -315.81M | -195.24M |
| Net borrowings | 25.55M | 42.59M | 27.19M | 29.83M | -10.58M |
| Total cash from financing activities | 4.92M | 201.98M | 64.99M | 173.32M | 245.49M |
| Change to operating activities | - | - | - | 4.49M | -5.11M |
| Net income | 21.56M | 15.32M | 12.38M | 14.63M | 14.92M |
| Change in cash | -8.34M | -20.09M | -11.82M | -120.88M | 63.51M |
| Begin period cash flow | 68.91M | 89.00M | 50.58M | 158.45M | 94.94M |
| End period cash flow | 60.57M | 68.91M | 38.76M | 37.57M | 158.45M |
| Total cash from operating activities | 25.12M | 15.81M | 29.25M | 21.62M | 13.26M |
| Issuance of capital stock | 0.87M | 0.96M | 0.86M | 1.06M | 0.89M |
| Depreciation | 2.26M | 2.09M | 1.91M | 6.98M | 4.02M |
| Other cashflows from investing activities | - | - | - | -0.31M | -6.93M |
| Dividends paid | 4.08M | 3.91M | 3.83M | 3.81M | 3.73M |
| Change to account receivables | 0.20M | -1.61M | -0.63M | -1.40M | -0.61M |
| Sale purchase of stock | -0.33M | -1.32M | -0.50M | 0.95M | 0.40M |
| Other cashflows from financing activities | - | - | - | 146.34M | 259.40M |
| Change to netincome | - | - | - | -3.07M | 0.97M |
| Capital expenditures | 6.13M | 4.86M | 2.78M | 2.19M | 1.04M |
| Change receivables | - | - | - | -1.40M | -0.61M |
| Cash flows other operating | - | - | - | 4.13M | -5.98M |
| Cash and cash equivalents changes | - | - | - | -120.88M | 63.51M |
| Change in working capital | -1.67M | -1.57M | 4.01M | -1.06M | -5.72M |
| Stock based compensation | 0.06M | 0.06M | 0.06M | 0.01M | - |
| Other non cash items | 2.04M | -3.08M | 2.98M | 1.13M | 4.48M |
| Free cash flow | 18.99M | 10.96M | 26.47M | 19.28M | 11.73M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| ENBP ENB Financial Corp |
- -% |
31.15 | 7.94 | 8.47 | 1.80 | 0.99 | 3.86 |
| DBSDY DBS Group Holdings Ltd ADR |
1.63 0.74% |
220.68 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.69 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.32 0.93% |
34.21 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.01 0.01% |
93.32 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Jeffrey S. Stauffer | Chairman, Pres & CEO | 1962 |
| Mr. Matthew T. Long | Sr. EVP & COO | 1974 |
| Mr. Chad E. Neiss | Sr. EVP & Chief Strategy Officer | 1974 |
| Ms. Rachel G. Bitner | Exec. VP, CFO & Treasurer | 1979 |
| Ms. Adrienne Lea Miller Esq. | Sr. VP, Gen. Counsel & Corp. Sec. | 1962 |
| Ms. Cindy L. Hoffman M.B.A. | Exec. VP & Chief Human Resource Officer | 1984 |
| Mr. William J. Kitsch IV | Sr. EVP & Chief Revenue Officer | 1975 |
| Mr. Eric S. Williams | Exec. VP & Chief Lending Officer | 1962 |
| Mr. Jeffrey S. Stauffer | Chairman, President & CEO | 1962 |
| Ms. Joselyn D. Strohm | Senior EVP & COO | 1984 |
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