OTCPK:ENBP

Stock Analysis Report

Executive Summary

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.

Snowflake

Fundamentals

Flawless balance sheet and fair value.

Risks

  • ENB Financial is not covered by any analysts.

Similar Companies

Share Price & News

How has ENB Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

1.0%

OTCPK:ENBP

3.3%

US Banks

2.1%

US Market


1 Year Return

7.9%

OTCPK:ENBP

-13.8%

US Banks

-0.04%

US Market

ENBP outperformed the Banks industry which returned -14.8% over the past year.

ENBP outperformed the Market in United States of America which returned 0.2% over the past year.


Share holder returns

ENBPIndustryMarket
7 Day1.0%3.3%2.1%
30 Day1.8%-7.0%-3.2%
90 Day6.0%-2.3%2.8%
1 Year10.6%7.9%-11.3%-13.8%2.2%-0.04%
3 Year31.0%19.7%42.5%32.7%41.5%32.3%
5 Year52.9%30.6%54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is ENB Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is ENB Financial undervalued based on future cash flows and its price relative to the stock market?

10.73x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

ENB Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

ENB Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

ENB Financial is good value based on earnings compared to the US Banks industry average.

ENB Financial is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for ENB Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

ENB Financial is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is ENB Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

5.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if ENB Financial is high growth as no revenue estimate data is available.

ENB Financial's earnings are expected to grow by 5.7% yearly, however this is not considered high growth (20% yearly).

Unable to compare ENB Financial's revenue growth to the United States of America market average as no estimate data is available.

ENB Financial's earnings growth is positive but not above the United States of America market average.

ENB Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if ENB Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has ENB Financial performed over the past 5 years?

6.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

ENB Financial's year on year earnings growth rate has been positive over the past 5 years.

ENB Financial's 1-year earnings growth exceeds its 5-year average (38.2% vs 6%)

ENB Financial's earnings growth has exceeded the US Banks industry average in the past year (38.2% vs 33.2%).


Return on Equity

ENB Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

ENB Financial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if ENB Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is ENB Financial's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

ENB Financial has an acceptable proportion of non-loan assets held.

ENB Financial has a sufficient allowance for bad loans.

ENB Financial's liabilities are made up of primarily low risk sources of funding.

ENB Financial's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at ENB Financial are broadly funded by customer deposits.

ENB Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is ENB Financial's current dividend yield, its reliability and sustainability?

3.14%

Current Dividend Yield


Dividend Yield and Payments Analysis

ENB Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

ENB Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

No dividend growth in 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (3.1x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of ENB Financial's salary, the management and board of directors tenure and is there insider trading?

11.1yrs

Average management tenure


CEO

Aaron Groff (70yo)

11.1yrs

Tenure

US$1,202,946

Compensation

Mr. Aaron L. Groff, Jr. serves as the Chairman, Chief Executive Officer and President of Ephrata National Bank ("Bank"), a subsidiary of ENB Financial Corp. ("ENB") since January 1, 1999 and has been its D ...


CEO Compensation Analysis

Aaron's remuneration is higher than average for companies of similar size in United States of America.

Aaron's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

11.1yrs

Average Tenure

63.5yo

Average Age

The average tenure for the ENB Financial management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

9.3yrs

Average Tenure

60yo

Average Age

The tenure for the ENB Financial board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

SellUS$18410 May 19
Paul Wenger
EntityIndividual
Role
Member of the Board of Directors
Director
Shares10
Max PriceUS$18.40
BuyUS$3,45005 Feb 19
Willis Lefever
EntityIndividual
Role
Member of the Board of Directors
Director
Shares200
Max PriceUS$17.25

Ownership Breakdown


Management Team

  • Aaron Groff (70yo)

    Chairman

    • Tenure: 11.1yrs
    • Compensation: US$1.20m
  • Barry Harting (63yo)

    VP & Secretary

    • Tenure: 3.6yrs
    • Compensation: US$193.70k
  • Scott Lied (57yo)

    Treasurer

    • Tenure: 11.6yrs
    • Compensation: US$205.06k
  • Barry Miller (64yo)

    Senior VP & COO of Ephrata National Bank

    • Tenure: 0.0yrs
    • Compensation: US$219.11k

Board Members

  • Aaron Groff (70yo)

    Chairman

    • Tenure: 11.1yrs
    • Compensation: US$1.20m
  • Paul Wenger (69yo)

    Director

    • Tenure: 11.6yrs
    • Compensation: US$23.00k
  • Willis Lefever (64yo)

    Director

    • Tenure: 11.6yrs
    • Compensation: US$24.85k
  • Mark Wagner (65yo)

    Director

    • Tenure: 11.6yrs
    • Compensation: US$25.70k
  • Susan Nicholas (59yo)

    Director

    • Tenure: 11.6yrs
    • Compensation: US$24.75k
  • Judith Weaver (60yo)

    Director

    • Tenure: 7.5yrs
    • Compensation: US$26.95k
  • Brian Reed (56yo)

    Director

    • Tenure: 6.0yrs
    • Compensation: US$23.75k
  • Jeffrey Stauffer (57yo)

    Director

    • Tenure: 0.3yrs
  • Joshua Hoffman (36yo)

    Director

    • Tenure: 2.2yrs
    • Compensation: US$24.70k
  • Jay Martin

    Director

    • Tenure: 0.2yrs

Company Information

ENB Financial Corp's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: ENB Financial Corp
  • Ticker: ENBP
  • Exchange: OTCPK
  • Founded: 1881
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$112.425m
  • Shares outstanding: 5.69m
  • Website: https://www.epnb.com

Number of Employees


Location

  • ENB Financial Corp
  • 31 East Main Street
  • Ephrata
  • Pennsylvania
  • 17522
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ENBPOTCPK (Pink Sheets LLC)YesCommon StockUSUSDOct 1979

Biography

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 St ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 00:08
End of Day Share Price2019/08/22 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.