ENB Financial Corp Financial Ratios — ENBP Stock

Profitability (USD)

	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	9.12	8.89	8.9	8.03	7.36	7.95	6.52	9.63	10.38	9.96	11.15	12.47	11.41	12.22	14.76
Return on Assets (%)	0.94	0.97	0.96	0.85	0.78	0.8	0.63	0.91	1	0.93	0.94	0.82	0.64	0.73	0.96
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.42	4.55	4.3	4.54	4.67	4.45	4.01	3.66	3.6	3.15	2.67	2.54	3	2.79	2.6
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	27.72	30.68	29.79	26.99	24.94	24.45	21.44	25.03	28.21	27.2	30	26.37	22.19	24.88	30.82
Profit Margin (%)	23.77	26.23	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
Net Income to Common Margin (%)	23.77	26.23	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
Effective Tax Rate (%)	14.23	14.49	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
Dvd Payout Ratio (%)	38.36	37.33	38.47	43.1	44.59	41.14	50.28	33.66	30.87	29.05	25.01	26.04	31.01	25.51	18.94
Sustainable Growth Rate (%)	5.62	5.57	5.48	4.57	4.08	4.68	3.24	6.39	7.18	7.07	8.36	9.22	7.87	9.1	11.97

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	53	58	54	52	68	70	66	73	78	74	64	113	141	184	209
ST Debt	- -	- -	4	- -	9	8	- -	8	- -	- -	- -	16	- -	60	60
LT Debt	53	58	50	52	60	61	66	65	78	74	64	97	141	124	149
Total Debt/EBITDA	39.91	43.77	40.56	35.99	44.14	42.87	40.55	45.28	45.31	44.04	40.95	69.63	70.25	87.86	92.63
Net Debt/EBITDA	15.9	16.86	22.06	6.12	15.57	14.76	7.87	19.71	21.49	-12.17	-60.62	46.57	25.84	54.87	65.82
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.69	11.2	10.31	10.82	10.5	9.65	9.65	9.36	9.96	8.9	7.99	5.24	5.98	5.9	7.13
Long-Term Debt/Equity (%)	64.27	64.79	59.68	56.38	62.66	64.52	66.01	63.6	66.74	57.13	46.53	100.1	117.66	94.32	92.67
Long-Term Debt/Capital (%)	39.12	39.32	36.32	36.05	36.46	37.23	39.76	37.14	39.98	36.36	31.76	46.23	54.06	39.28	40.3
Long-Term Debt/Total Assets (%)	6.87	7.26	6.16	6.1	6.58	6.22	6.37	5.96	6.65	5.09	3.72	5.24	7.04	5.57	6.61
Total Debt/Equity (%)	64.27	64.79	64.34	56.38	71.85	73.3	66.01	71.26	66.91	57.13	46.53	116.54	117.66	140.12	129.93
Total Debt/Capital (%)	39.12	39.32	39.15	36.05	41.81	42.3	39.76	41.61	40.09	36.36	31.76	53.82	54.06	58.35	56.51
Total Debt/Total Assets (%)	6.87	7.26	6.64	6.1	7.55	7.07	6.37	6.67	6.66	5.09	3.72	6.1	7.04	8.27	9.27
Net Debt to Equity	25.6	24.96	35	9.58	25.34	25.23	12.81	31.02	31.72	-15.78	-68.88	77.94	43.28	87.51	92.32
Net Debt/Capital (%)	20.38	19.97	25.93	8.74	20.22	20.15	11.35	23.68	24.08	-18.74	-221.33	43.8	30.21	46.67	48
EBITDA	1	1	1	1	2	2	2	2	2	2	2	2	2	2	2
EBITDA-CapEx	- -	1	-2	1	1	-1	-3	- -	1	- -	- -	-1	- -	-3	-4
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.69	11.2	10.31	10.82	10.5	9.65	9.65	9.36	9.96	8.9	7.99	5.24	5.98	5.9	7.13
Long-Term Debt/Equity (%)	64.27	64.79	59.68	56.38	62.66	64.52	66.01	63.6	66.74	57.13	46.53	100.1	117.66	94.32	92.67
Long-Term Debt/Capital (%)	39.12	39.32	36.32	36.05	36.46	37.23	39.76	37.14	39.98	36.36	31.76	46.23	54.06	39.28	40.3
Long-Term Debt/Total Assets (%)	6.87	7.26	6.16	6.1	6.58	6.22	6.37	5.96	6.65	5.09	3.72	5.24	7.04	5.57	6.61
Total Debt/Equity (%)	64.27	64.79	64.34	56.38	71.85	73.3	66.01	71.26	66.91	57.13	46.53	116.54	117.66	140.12	129.93
Total Debt/Capital (%)	39.12	39.32	39.15	36.05	41.81	42.3	39.76	41.61	40.09	36.36	31.76	53.82	54.06	58.35	56.51
Total Debt/Total Assets (%)	6.87	7.26	6.64	6.1	7.55	7.07	6.37	6.67	6.66	5.09	3.72	6.1	7.04	8.27	9.27
CFO/Total Liabilities	1.28	0.62	1.46	1.2	1.28	1.17	1.22	1.68	1.47	1.23	0.84	1.23	1.6	0.76	1.2
CFO/CapEx	4.86	6.64	3.13	9.76	11.98	4.01	2.45	11.79	14.2	12.61	8.71	9.27	14.46	3.26	4.1
Altman's Z-Score	0.23	0.24	0.25	0.25	0.25	0.24	0.24	0.23	0.24	0.2	0.19	0.17	0.17	0.16	0.19

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	61	78	86	91	93	98	98	99	117	104	121	90	84	97	134
- Cash & Cash Equivalents	32	36	25	43	44	46	53	41	41	95	158	38	89	69	61
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	53	58	54	52	68	70	66	73	78	74	64	113	141	184	209
Enterprise Value	-202	-205	-185	-196	-173	-186	-209	-170	-161	-393	-531	-363	-324	-302	-179
Total Capital	135	148	138	145	163	165	166	176	195	205	201	211	260	315	370
Total Debt/Capital (%)	39.12	39.32	39.15	36.05	41.81	42.3	39.76	41.61	40.09	36.36	31.76	53.82	54.06	58.35	56.51
Total Debt / EV	-0.26	-0.28	-0.29	-0.27	-0.4	-0.37	-0.31	-0.43	-0.49	-0.19	-0.12	-0.31	-0.43	-0.61	-1.17
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	61	78	86	92	93	98	97	98	118	104	121	89	83	97	133
Diluted Enterprise Value	82	101	115	100	117	122	110	130	155	83	26	165	135	212	282
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	30	29	31	32	33	36	40	44	48	54	58	64	67	75	87
TTM EBITDA	1	1	1	1	2	2	2	2	2	2	2	2	2	2	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	9	4	11	9	10	10	11	17	15	16	13	22	30	16	25
TTM Free Cash Flow to Firm	11	5	14	10	11	13	16	18	17	18	15	24	32	21	31

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	5.72	15.39	6.08	9.08	8.23	7.51	6.1	5.42	7.11	5.86	8.17	3.73	2.59	4.7	4.27
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-202	-205	-185	-196	-173	-186	-209	-170	-161	-393	-531	-363	-324	-302	-179
Low Price	10.5	10.63	13.69	14.6	15.63	15.75	16.38	17.03	17.1	17.55	18.6	16	12.45	14.05	15.5
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	8.5	10.24	11.1	12.9	13.43	12.98	15.36	10.1	10.32	8.45	8.1	6.11	6.74	6.35	6.18
Price/Earnings Average	9.33	9.44	10.74	12.15	13.47	12.36	15.35	10.33	9.55	8.76	8.04	7.34	6.5	5.85	4.89
Price/Earnings High	10.39	10.83	11.56	13.02	13.88	12.98	16.04	10.96	10.7	10.57	8.86	8.56	7.76	7.38	6.18
Price/Earnings Low	8.39	7.94	10.13	11.77	12.92	11.89	14.69	9.96	8.51	7.98	6.94	6.11	5.68	5.18	4.08
Price/Book Value	0.74	0.87	1.02	0.99	0.97	1.03	0.98	0.96	1	0.8	0.88	0.93	0.7	0.74	0.83
Price/Book Value Average	0.81	0.8	0.99	0.93	0.98	0.98	0.98	0.98	0.93	0.82	0.88	1.11	0.68	0.68	0.66
Price/Book Value High	0.9	0.92	1.07	0.99	1.01	1.03	1.02	1.04	1.04	0.99	0.97	1.3	0.81	0.86	0.83
Price/Book Value Low	0.73	0.68	0.93	0.9	0.94	0.95	0.94	0.95	0.83	0.75	0.76	0.93	0.59	0.61	0.55
Price/Tangible Book Value	0.74	0.87	1.02	0.99	0.97	1.03	0.98	0.96	1	0.8	0.88	0.93	0.7	0.74	0.83
Price/Tangible Book Value Average	0.81	0.8	0.99	0.93	0.98	0.98	0.98	0.98	0.93	0.82	0.88	1.11	0.68	0.68	0.66
Price/Tangible Book Value High	0.9	0.92	1.07	0.99	1.01	1.03	1.02	1.04	1.04	0.99	0.97	1.3	0.81	0.86	0.83
Price/Tangible Book Value Low	0.73	0.68	0.93	0.9	0.94	0.95	0.94	0.95	0.83	0.75	0.76	0.93	0.59	0.61	0.55
Price/Sales	2.02	2.69	2.77	2.86	2.8	2.69	2.41	2.23	2.45	1.94	2.07	1.39	1.25	1.3	1.54
Price/Sales Average	2.22	2.48	2.68	2.69	2.81	2.56	2.4	2.28	2.27	2.01	2.05	1.67	1.21	1.2	1.22
Price/Sales High	2.47	2.84	2.88	2.89	2.89	2.69	2.51	2.42	2.54	2.42	2.26	1.95	1.44	1.51	1.54
Price/Sales Low	2	2.08	2.53	2.61	2.69	2.46	2.3	2.2	2.02	1.83	1.77	1.39	1.05	1.06	1.01
Price/Cash Flow	6.9	17.71	8.03	10.01	8.92	9.39	8.59	5.88	7.61	6.32	9.11	4.14	2.76	6.15	5.31
Price/Cash Flow Average	7.57	16.32	7.77	9.43	8.95	8.94	8.58	6.01	7.04	6.56	9.04	4.97	2.67	5.67	4.2
Price/Cash Flow High	8.44	18.74	8.36	10.11	9.22	9.39	8.96	6.38	7.88	7.9	9.97	5.79	3.18	7.15	5.31
Price/Cash Flow Low	6.82	13.73	7.33	9.14	8.58	8.6	8.21	5.79	6.27	5.97	7.81	4.14	2.33	5.02	3.5
Price/Free Cash Flow Average	6.28	14.18	5.89	8.55	8.26	7.15	6.09	5.54	6.58	6.07	8.11	4.48	2.5	4.34	3.38
Price/Free Cash Flow High	7	16.28	6.34	9.17	8.51	7.51	6.37	5.88	7.37	7.32	8.94	5.23	2.98	5.47	4.27
Price/Free Cash Flow Low	5.65	11.94	5.55	8.29	7.92	6.88	5.83	5.34	5.86	5.53	7.01	3.73	2.18	3.84	2.81
EV/Sales Average	2.92	3.24	3.63	2.97	3.53	3.22	2.72	3.01	3.03	1.62	0.44	2.87	1.99	2.73	2.93
EV/Sales High	3.17	3.61	3.84	3.16	3.61	3.35	2.83	3.14	3.3	2.03	0.65	3.15	2.22	3.04	3.26
EV/Sales Low	2.7	2.85	3.48	2.88	3.41	3.12	2.62	2.92	2.79	1.44	0.16	2.59	1.83	2.59	2.73
EV/EBITDA Average	66.12	71.23	84.47	65.34	75.59	72.27	67.92	82.02	84.32	51.38	16.48	113.04	66.15	97.82	112.66
EV/EBITDA High	71.87	79.28	89.24	69.62	77.42	75.17	70.62	85.82	91.87	64.46	24.39	124.06	73.91	109.02	125.04
EV/EBITDA Low	61.11	62.62	80.9	63.53	73.11	70.08	65.36	79.76	77.47	45.67	5.96	101.92	61.07	92.91	104.88
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	10.63	13.71	15	16	16.25	17.2	17.13	17.27	20.75	18.6	21.7	16	14.75	17.2	23.5
High Price	13	14.5	15.63	16.15	16.8	17.2	17.88	18.75	21.5	23.25	23.75	22.4	16.99	20	23.5
Enterprise Value Average	88	94	112	95	117	117	110	133	145	87	26	184	133	204	255
Enterprise Value High	95	105	119	101	120	122	115	139	158	109	38	202	148	228	282
Enterprise Value Low	81	83	108	92	113	114	106	129	133	77	9	166	122	194	237

Shares Outstanding	6	6	6	6	6	6	6	6	6	6	6	6	6	6	6
Diluted Weighted Avg Shares	6	6	6	6	6	6	6	6	6	6	6	6	6	6	6
Basic Weighted Avg Shares	6	6	6	6	6	6	6	6	6	6	6	6	6	6	6
Revenue per Share	5.26	5.1	5.42	5.6	5.81	6.39	7.12	7.75	8.45	9.59	10.5	11.48	11.81	13.25	15.29
EBITDA per Share	0.23	0.23	0.23	0.25	0.27	0.28	0.29	0.28	0.3	0.3	0.28	0.29	0.35	0.37	0.4
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.25	1.34	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
Basic EPS from Cont Ops	1.25	1.34	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
Diluted EPS, GAAP	1.25	1.34	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
Diluted EPS from Cont Ops	1.25	1.34	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
Dividend per Share	0.48	0.5	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
Cash Flow per Share	1.54	0.77	1.87	1.6	1.82	1.83	1.99	2.94	2.73	2.94	2.38	3.87	5.34	2.8	4.43
Free Cash Flow per Basic Share	1.22	0.66	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
Cash & Equivalents per Share	55.25	59.84	56.88	59.37	58.54	62.05	65.4	59.84	63.09	102.65	128.32	100.56	96.75	102.98	91.73
Book Value per Share	14.42	15.69	14.67	16.24	16.69	16.65	17.5	18.02	20.69	23.39	24.59	17.27	21.1	23.16	28.29
Tangible Book Value per Share	14.42	15.69	14.67	16.24	16.69	16.65	17.5	18.02	20.69	23.39	24.59	17.27	21.1	23.16	28.29

ENB Financial Corp