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what it is
ENB Financial runs a Pennsylvania bank and an insurance agency.
how it gets paid
Last year Enb Financial made $93M in revenue. Net interest income was the main engine at $63M, or 68% of sales.
what just happened
ENB posted $1.04 a share last quarter while revenue reached $79M.
At a glance
C++ balance sheet — some cracks in the foundation
70/100 earnings predictability — reasonably predictable
6.6x trailing p/e — the market's not buying it — or you found a deal
2.9% dividend yield — cash in your pocket every quarter
$2.71 fy2024 eps est
xvary composite: 56/100 — below average
What they do
ENB Financial runs a Pennsylvania bank and an insurance agency.
Your money usually stays where your checks clear. ENB has $2.22B in assets and 306 employees, so it sits inside daily life, not outside it. Leaving a local bank means moving accounts, cards, and habits at once.
How they make money
$93M
annual revenue
Net interest income
$63M
+6.0%
Deposit and card fees
$11M
+3.0%
Insurance commissions
$7M
+8.0%
Loan fees
$6M
+4.0%
Other noninterest income
$6M
flat
The products that matter
community banking franchise
Ephrata National Bank
$85.9M trailing revenue
it's the whole operating story today — a single banking subsidiary generating $85.9M in trailing revenue for the holding company.
core
pending bank acquisition
Cecil Bancorp acquisition
approved jan 2026
the deal cleared in january 2026 and matters because a $140M bank does not make acquisitions casually. it is the clearest near-term catalyst on the page.
integration watch
Key numbers
$93M
annual revenue
This is the top line. It is tiny next to bigger banks, which is why one bad quarter can matter so much.
$2.22B
total assets
This is the balance sheet. You get a lot of local banking muscle behind a $140M equity value.
6.6x
trailing p/e
You are paying 6.6 times earnings. That is the market saying the bank is boring and the math is fine with that.
2.9%
dividend yield
This is the cash return. It is the reason income buyers show up even when the stock does nothing.
Financial health
C++
strength
- balance sheet grade C++ — below average — limited financial resources
- risk rank 2 — safer than 80% of stocks
- price stability 95 / 100
- long-term debt $124M (47% of capital)
C++ — balance sheet grade and long-term debt are flagged. this stock carries more risk than average.
Total return vs. market
Return history isn't available for ENBP right now.
source: institutional data · return history unavailable
What just happened
beat estimates
ENB posted $1.04 a share last quarter while revenue reached $79M.
Revenue was up 192% vs. prior year. The bank still makes money the slow way: loans, deposits, and fees.
$23M
revenue
$1.04
eps
25.1%
gross margin
EPS
The $1.04 EPS is the cleanest proof point. You are looking at profit from a tiny bank that still cleared nine figures of revenue pace.
source: company earnings report, 2026
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What could go wrong
the #1 risk is single-market concentration in Lancaster County banking.
med
one local economy drives the whole business
the operating story is one bank in one regional market. local relationships are the moat, but they also concentrate credit, deposit, and demand exposure in the same place.
this concentrates the $85.9M revenue base and $21.6M net income stream in one franchise
med
net interest margin pressure would hit most of the model
net interest income is $71M, or 83% of revenue. if deposit costs rise faster than loan yields, the pressure does not stay in one corner of the business — it runs through almost all of it.
83% of revenue is exposed to spread compression
med
the Cecil acquisition adds execution risk to a small platform
the deal may widen the footprint, but integration mistakes matter more when the buyer itself is only a $140M company. a small bank can improve from a good acquisition. it can also spend years cleaning one up.
execution risk lands on a business with a C++ balance sheet and $124M of long-term debt
the same local focus that makes ENBP understandable also means there is no diversification magic here. if Lancaster County banking conditions worsen or margin pressure shows up, you will feel it quickly.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
q1 2026 earnings report
scheduled for april 15, 2026 after market close. last quarter EPS was $0.451, so you have a clean number to compare against.
trend
net interest income still does the heavy lifting
$71M of the $85.9M revenue base comes from net interest income. if that mix shifts the wrong way, the whole earnings story changes.
integration
Cecil Bancorp close and integration
the approval is in. now the real question is whether the acquisition broadens the footprint without diluting returns or adding balance-sheet strain.
capital
balance sheet quality versus stock calm
price stability is 95 out of 100, but the balance sheet grade is only C++. the market tape looks calm. your underwriting should not.
Analyst rankings
earnings predictability
70 / 100
in human-speak: earnings are reasonably steady, but this is still a small bank tied to local conditions.
risk rank
2
that means safer than about 80% of stocks on this measure. safer does not mean immune.
source: institutional data
Institutional activity
institutional ownership data for ENBP is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$23
current price
n/a
target midpoint · n/a from current
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