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    Financial Services

  3. •

    Banks - Regional
ENB Financial Corp

ENB Financial Corp

ENBP
ENB Financial CorpUS flagOther OTC
26.01
USD
+0.01
- -
148.36MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
5.42
5.6
5.81
6.39
7.12
7.75
8.45
9.59
10.5
11.48
11.81
13.25
15.28
15.82
Basic EPS, GAAP
1.35
1.24
1.21
1.33
1.12
1.71
2.01
2.2
2.68
2.62
2.19
2.71
3.8
3.74
Free Cash Flow per Basic Share
1.27
1.43
1.67
1.37
1.18
2.69
2.53
2.71
2.11
3.45
4.97
1.94
3.35
3.29
Dividend per Share
0.52
0.53
0.54
0.55
0.56
0.58
0.62
0.64
0.67
0.68
0.68
0.69
0.72
0.72
Book Value per Share
14.68
15.35
16.04
16.85
17.44
18.35
19.85
21.69
23.79
25.63
26.75
28.76
31.73
32.21
Tangible Book Value per Share
14.69
16.22
16.65
16.65
17.53
18.03
20.58
23.29
24.67
17.42
21.18
23.17
28.38
27.1
Basic Weighted Avg Shares
6
6
6
6
6
6
6
6
6
6
6
6
6
6
Sales/Revenue/Turnover
31
32
33
36
40
44
48
54
58
64
67
75
87
90
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
2
2
2
2
2
2
2
2
2
2
2
3
Net Income, GAAP
8
7
7
8
6
10
11
12
15
15
12
15
22
21
Effective Tax Rate (%)
16.3
17.9
16.42
15.19
26.93
11.81
15.72
15.67
14.94
13.52
16.45
17.76
19.36
19.7
Profit Margin (%)
24.93
22.16
20.84
20.73
15.66
22.08
23.78
22.94
25.52
22.81
18.54
20.46
24.85
23.66
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
50
52
60
61
66
65
78
74
64
97
141
124
149
122
Total Equity
84
93
95
95
100
103
117
130
137
97
120
131
161
163
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
9.48
8.27
7.7
8.05
6.5
9.57
10.49
10.52
11.76
10.61
8.41
9.76
12.58
12.19

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
60
60
60
LT Borrowings
111
149
122
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6
6
6
Market Capitalization
113
133
139

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
520
522
511
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
60
60
60
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.47%
6.34%
22.96%
Free Cash Flow
19.48%
19.94%
73.28%
Net Income, GAAP
14.03%
13.69%
40.75%
Sales/Revenue/Turnover
10.13%
10.17%
15.85%
Total Cash Common Dividend
2.87%
2.72%
4.53%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
18
18
19
20
75
2025
20
21
23
23
87
2026
23
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.7
0.76
0.59
0.66
2.71
2025
0.76
1.02
1.04
0.97
3.8
2026
0.71
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.17
0.17
0.17
0.18
0.69
2025
0.18
0.18
0.18
0.18
0.72
2026
0.18
- -
- -
- -
- -

Company Description

APIChat
CEO
Jeffrey S. Stauffer
Full Time Employees
294
Sector
Financial Services
Industry
Banks - Regional
Address
31 East Main Street Ephrata PA United States of America 17522-0457
IPO Date
Jul 19, 1994
CIK
0001437479
Website
epnb.com
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Business
ENB Financial Corp ENB Financial Corp (OTCQX: ENBP) serves as the bank holding company for Ephrata National Bank, a full-service commercial bank providing a range of financial services to individuals, small-to-medium-sized businesses, and local communities in Pennsylvania. The bank offers deposit products including non-interest bearing and interest-bearing demand deposits, NOW accounts, money market deposit accounts, savings accounts, and time deposits; direct deposit and electronic funds transfer services; secured and unsecured commercial loans, real estate loans, and consumer loans; ATM access, telephone banking, debit and credit cards, safe deposit boxes, remote deposit capture, trust and investment advisory services, and internet banking with bill pay and wire transfer capabilities. Ephrata National Bank operates multiple branches primarily in Lancaster County and surrounding areas of Pennsylvania, such as Ephrata, Leola, Myerstown, Akron, Denver, Lititz, Blue Ball, Hinkletown, and Manheim, with plans for expansion including Morgantown; it also provides business-focused offerings like cash management, credit card processing through partnerships such as BASYS Processing, insurance, borrowing solutions, mortgages, and wealth management services. Founded in 1881 and headquartered at 31 East Main Street, Ephrata, Pennsylvania, ENB Financial Corp employs approximately 303 people and focuses on regional banking within the financial services sector. In August 2025, the company entered into an Agreement and Plan of Stock Acquisition to acquire Cecil Bancorp, Inc., the holding company for Cecil Bank in Elkton, Maryland, in an all-cash transaction valued at approximately $28.9 million to $30.8 million for all outstanding shares at $1.85 per share; the deal, approved unanimously by both boards, awaits stockholder approval, regulatory consents, and other conditions, with closure targeted for the first quarter of 2026. This strategic acquisition expands ENB Financial Corp's footprint into Maryland and enhances its asset base beyond $2.3 billion, supported by financial advisors including Performance Trust Capital Partners and legal counsel from Bybel Rutledge LLP.