Stocktoria

ENB Financial Corp ENBP

OTC · stock · National Commercial Banks · website · IPO 1993-10-27

ENB Financial Corp statistics & valuation

Market cap$161.1M
P / E7.5×
P / B1.0×
P / FCF8.4×
Dividend yield2.53%
Return on equity13.4%
Graham number +69.5%$49.18

Market cap as of 2026-06-30. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($49.18); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.00% 6.40% 9.50% 9.80% 9.40% 10.90% 15.00% 10.30% 11.70% 13.40% 2016201720182019202020212022202320242025
Shares outstanding
5.7M 5.7M 5.7M 5.7M 5.6M 5.6M 5.6M 5.7M 5.7M 5.7M 2016201720182019202020212022202320242025
Net debt ($)
$15.6M $12.8M $24.0M $36.8M -$40.1M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.80% 0.60% 0.90% 1.00% 0.80% 0.90% 0.80% 0.60% 0.70% 1.00% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.65× 0.66× 0.64× 0.67× 0.42× 2016201720182019202020212022202320242025
EPS ($)
$2.62 $2.19 $2.71 $3.80 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

ENB Financial Corp trades at about 7.6× earnings — above its 10-year norm (10-year range 6.3×–7×, median 6.5×).

6.3× 7.6×

Shaded band = 10-year range (6.3×–7×); dot = today's 7.6×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.0%0.7%0.6%0.8%0.9%0.8%1.0%0.9%0.6%0.8%
Return on equity13.4%11.7%10.3%15.0%10.9%9.4%9.8%9.5%6.4%8.0%
Debt / equity—————0.42×0.67×0.64×0.66×0.65×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.