ENBPOTCNational Commercial BanksFiscal year ends December 31
ENB Financial Corp
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 14, 2026
$29.35+0.05 (+0.17%)
Close on Oct 19, 2026
- Market cap
- $167.47M
- P/E (TTM)
- 7.9
- Dividend yield
- 2.45%
ENB Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of National Commercial Banks companies for comparison
Valuation
| Measure | ENB Financial | Industry median |
|---|---|---|
| Market Cap | $167.73M | $679.86M |
| Enterprise Value | $206.58M | $408.94M |
| PE Ratio | 7.89 | 12.00 |
| PS Ratio | 1.80 | 3.61 |
| PB Ratio | 0.98 | 1.18 |
| P/TBV Ratio | 1.03 | 1.41 |
| P/FCF Ratio | 8.53 | 10.93 |
| P/OCF Ratio | 6.76 | 10.04 |
Enterprise value
| Measure | ENB Financial | Industry median |
|---|---|---|
| EV / Sales | 2.21 | 2.78 |
| EV / FCF | 10.51 | 8.25 |
Income (trailing twelve months)
| Measure | ENB Financial | Industry median |
|---|---|---|
| Revenue | $93.41M | $170.85M |
| Pretax Income | $26.33M | $70.12M |
| Net Income | $21.16M | $54.33M |
| EPS (Diluted) | $3.72 | $2.90 |
Margins
| Measure | ENB Financial | Industry median |
|---|---|---|
| Pretax Margin | 28.2% | 36.4% |
| Profit Margin | 22.7% | 29.1% |
| FCF Margin | 21.0% | 33.0% |
Returns
| Measure | ENB Financial | Industry median |
|---|---|---|
| Return on Equity (ROE) | 13.6% | 10.5% |
| Return on Assets (ROA) | 0.92% | 1.12% |
Growth
| Measure | ENB Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 16.6% | 11.8% |
| Net Income Growth (YoY) | 23.1% | 23.1% |
| EPS Growth (YoY) | 22.8% | 22.7% |
| FCF Growth (YoY) | 44.7% | 27.1% |
| Revenue Growth (3Y CAGR) | 10.6% | 5.82% |
| Revenue Growth (5Y CAGR) | 10.1% | 6.17% |
| EPS Growth (3Y CAGR) | 13.2% | 1.26% |
Balance sheet
| Measure | ENB Financial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $37.15M | $205.54M |
| Total Debt | $76.00M | $177.19M |
| Net Cash (Debt) | -$38.86M | $164.40M |
| Net Cash Per Share | -$6.80 | $8.13 |
| Equity (Book Value) | $171.52M | $560.44M |
| Book Value Per Share | $30.01 | $28.47 |
| Tangible Book Value | $162.27M | $472.29M |
Financial position
| Measure | ENB Financial | Industry median |
|---|---|---|
| Debt / Equity | 0.44 | 0.20 |
| Debt / FCF | 3.87 | 1.81 |
Cash flow (trailing twelve months)
| Measure | ENB Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $24.81M | $61.20M |
| Capital Expenditures | -$5.15M | -$4.02M |
| Free Cash Flow | $19.66M | $52.43M |
| FCF Per Share | $3.44 | $3.07 |
Efficiency
| Measure | ENB Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $296.54K | $353.78K |
| Profits Per Employee | $67.18K | $107.28K |
| Employee Count | 315 | 489 |
Dividends and yields
| Measure | ENB Financial | Industry median |
|---|---|---|
| Earnings Yield | 12.6% | 8.07% |
| FCF Yield | 11.7% | 8.89% |
| Dividend Yield | 2.45% | 2.48% |
| Shareholder Yield | 2.45% | 3.13% |
| Dividend Per Share | $0.72 | $0.93 |
| Dividend Growth (YoY) | 4.35% | 4.26% |
| Years of Dividend Growth | 2 | 2 |
| Payout Ratio | 19.4% | 29.4% |
| FCF Payout Ratio | 20.8% | 26.0% |
Shares
| Measure | ENB Financial | Industry median |
|---|---|---|
| Shares Outstanding | 5,714,720 | 18,839,100 |
| Shares Change (YoY) | 0.64% | 0.39% |
| Shares Change (QoQ) | 0.20% | 0.00% |
| Float | 5,593,700 | 17,061,900 |
| Shares Held by Insiders | 2.12% | 5.89% |
| Shares Held by Institutions | 0.12% | 61.9% |
Taxes
| Measure | ENB Financial | Industry median |
|---|---|---|
| Income Tax | $5.17M | $14.50M |
| Effective Tax Rate | 19.6% | 21.1% |
Scores
| Measure | ENB Financial | Industry median |
|---|---|---|
| Graham Number | $50.12 | $45.31 |
| Graham Upside | 70.8% | 21.6% |
| Altman Z-Score | 0.19 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from ENB Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.