How does ENBP's PE Ratio compare to its peers?

ENBP is good value based on its Price-To-Earnings Ratio (6x) compared to the peer average (10.1x).

How does ENBP's PE Ratio compare vs other companies in the US Banks Industry?

ENBP is good value based on its Price-To-Earnings Ratio (6x) compared to the US Banks industry average (12.4x).

What is ENBP's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate ENBP's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of ENBP when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

ENBP ($17.2) is trading below our estimate of [[fair value]] ($44.72)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

ENBP Stock Overview

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. More details

ENBP fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 61.5% below our estimate of its fair value

Earnings grew by 26.7% over the past year

Pays a reliable dividend of 4.19%

Risk Analysis

Does not have a meaningful market cap ($100M)

My Notes

Capture your thoughts, links and company narrative

ENB Financial Corp Competitors

Kish Bancorp

OTCPK:KISB

US$100.9m

Dimeco

OTCPK:DIMC

US$97.6m

Prime Meridian Holding

OTCPK:PMHG

US$101.9m

Trinity Bank N.A

OTCPK:TYBT

US$95.1m

Price History & Performance

Summary of share price highs, lows and changes for ENB Financial
Historical stock prices
Current Share Price	US$17.20
52 Week High	US$20.00
52 Week Low	US$14.05
Beta	0.23
1 Month Change	-5.75%
3 Month Change	1.18%
1 Year Change	16.61%
3 Year Change	-18.68%
5 Year Change	-17.51%
Change since IPO	37.60%

Recent updates

Shareholder Returns

	ENBP	US Banks	US Market
7D	-1.1%	0.1%	-1.1%
1Y	16.6%	28.7%	22.4%

Return vs Industry: ENBP underperformed the US Banks industry which returned 29.4% over the past year.

Return vs Market: ENBP underperformed the US Market which returned 23.7% over the past year.

Price Volatility

Is ENBP's price volatile compared to industry and market?
ENBP volatility
ENBP Average Weekly Movement	8.8%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.6%
10% least volatile stocks in US Market	3.1%

Stable Share Price: ENBP has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: ENBP's weekly volatility (9%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1881	287	Jeffrey Stauffer	www.epnb.com

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.

ENB Financial Corp Fundamentals Summary

How do ENB Financial's earnings and revenue compare to its market cap?
ENBP fundamental statistics
Market cap	US$99.84m
Earnings (TTM)	US$16.12m
Revenue (TTM)	US$73.51m

6.0x

P/E Ratio

0.7x

P/B Ratio

Is ENBP overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ENBP income statement (TTM)
Revenue	US$73.51m
Cost of Revenue	US$0
Gross Profit	US$73.51m
Other Expenses	US$57.40m
Earnings	US$16.12m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.86
Gross Margin	100.00%
Net Profit Margin	21.92%
Debt/Equity Ratio	94.3%

How did ENBP perform over the long term?

See historical performance and comparison

Dividends

4.2%

Current Dividend Yield

24%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/30 05:12
End of Day Share Price	2024/12/30 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

ENB Financial Corp is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution