ENB Financial PA (ENBP) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Nov 2, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 14, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ENBP SEC filings page.
ENB Financial Corp PA (ENBP) reported $93.6M in revenue over the twelve months to Jun 30, 2026, up 16.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
FY2025 growth reached earnings and cash flow, while a liability-heavy balance sheet still finances roughly 13.0x the equity base.
After FY2024's cash-generation setback, FY2025 revenue rose15.9% while operating cash flow rose58.8% . Free cash flow rose66.6% alongside net income's40.8% increase, indicating the earnings rebound converted into cash rather than remaining purely accounting-based.
At FY2025, liabilities were
Capital spending was
Financial Health Signals
We do not publish a peer-relative financial health score for ENB Financial Corp PA, because the score only covers companies whose filings and listing give us what it needs to compare them with their peers. The signals and metrics below are current.
ENB Financial Corp PA passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
ENB Financial Corp PA generated $24.8M in revenue in Q2 2026. This represents an increase of 17.0% from the same quarter a year earlier. Against the prior quarter it is up 6.6%.
ENB Financial Corp PA reported $5.7M in net income in Q2 2026. This represents a decrease of 1.8% from the same quarter a year earlier. Against the prior quarter it is up 41.7%.
ENB Financial Corp PA earned $1.00 per diluted share (EPS) in Q2 2026. This represents a decrease of 2.0% from the same quarter a year earlier. Against the prior quarter it is up 40.8%.
Not reported for Q2 2026.
Cash & Balance Sheet
ENB Financial Corp PA generated $5.6M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 17.1% from the same quarter a year earlier. Against the prior quarter it is up 99.4%.
ENB Financial Corp PA held $37.1M in cash as of Q2 2026; no long-term debt figure is on record for that period.
ENB Financial Corp PA paid $0.18 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
ENB Financial Corp PA's net profit margin was 23.0% in Q2 2026, showing the share of revenue converted to profit. This is down 4.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 5.7 percentage points.
ENB Financial Corp PA's quarterly ROE was 3.3% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 0.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.9 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
ENB Financial Corp PA invested $884K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 40.7% from the same quarter a year earlier. Against the prior quarter it is up 8.1%.
Not reported for Q2 2026.
Not reported for Q2 2026.
ENBP Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $24.8M+17.0% | $23.3M+15.9% | $22.9M+14.0% | $22.5M+20.5% | $21.2M+15.5% | $20.1M+13.5% | $20.0M+16.0% | $18.7M+10.6% |
| Interest Expense | $9.0M+2.2% | $8.9M+1.0% | $10.4M+2.1% | $9.5M+1.6% | $8.8M+3.8% | $8.8M+7.2% | $10.2M+29.9% | $9.3M+39.8% |
| Income Tax | $1.3M-3.3% | $1.0M+4.1% | $1.4M+72.4% | $1.4M+88.7% | $1.4M+50.0% | $982K+18.7% | $809K-19.4% | $752K-2.5% |
| Net Income | $5.7M-1.8% | $4.0M-6.8% | $5.5M+48.0% | $5.9M+77.4% | $5.8M+34.7% | $4.3M+9.5% | $3.7M-17.6% | $3.3M-7.7% |
| EPS (Basic) | $1.00-2.0% | $0.71-6.6% | $0.97+47.0% | $1.04+76.3% | $1.02+34.2% | $0.76+8.6% | $0.66-17.5% | $0.59-7.8% |
| EPS (Diluted) | $1.00-2.0% | $0.71-6.6% | N/A | N/A | $1.02 | $0.76 | N/A | N/A |
| Diluted Shares (Avg) | 6M+0.6% | 6M+0.7% | N/A | N/A | 6M | 6M | N/A | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
ENBP Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.4B+7.4% | $2.4B+9.2% | $2.3B+1.7% | $2.2B+6.2% | $2.2B+9.9% | $2.2B+11.5% | $2.2B+10.9% | $2.1B+9.6% |
| Cash & Equivalents | $37.1M-43.1% | $89.5M+13.7% | $60.6M-12.1% | $48.4M-28.5% | $65.3M-38.8% | $78.7M+16.0% | $68.9M-22.6% | $67.7M+74.7% |
| Goodwill | $6.7M | $6.7M | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $2.2B+6.4% | $2.3B+8.4% | $2.1B+0.4% | $2.1B+5.8% | $2.1B+9.9% | $2.1B+11.5% | $2.1B+11.0% | $2.0B+8.1% |
| Total Equity | $171.5M+23.0% | $163.4M+20.7% | $161.1M+23.0% | $152.0M+12.5% | $139.5M+10.7% | $135.4M+11.0% | $131.0M+9.5% | $135.2M+38.6% |
| Retained Earnings | $187.2M+10.0% | $182.5M+10.4% | $179.5M+10.8% | $175.0M+9.9% | $170.1M+8.4% | $165.3M+7.6% | $162.0M+7.6% | $159.3M+8.3% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
ENBP Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $6.5M+3.3% | $3.6M-12.5% | $4.7M+59.4% | $10.0M+91.8% | $6.2M+0.4% | $4.1M+192.8% | $3.0M-59.3% | $5.2M+11.8% |
| Stock-Based Compensation | N/A | $7K-53.3% | N/A | N/A | N/A | $15K-11.8% | N/A | N/A |
| Capital Expenditures | $884K-40.7% | $818K-18.8% | $1.3M+561.7% | $2.1M-7.2% | $1.5M+1718.3% | $1.0M-42.3% | $201K-44.3% | $2.3M+523.6% |
| Free Cash Flow | $5.6M+17.1% | $2.8M-10.5% | $3.4M+22.9% | $7.9M+168.2% | $4.8M-22.5% | $3.1Mn/m | $2.8M-60.1% | $2.9M-31.6% |
| Investing Cash Flow | -$17.6Mn/m | $47.4M+496.3% | -$18.6Mn/m | -$9.3Mn/m | -$18.5M-488.7% | $7.9Mn/m | -$132.0Mn/m | -$99.0Mn/m |
| Financing Cash Flow | -$41.2Mn/m | -$22.0Mn/m | $26.0M-80.0% | -$17.6M-132.0% | -$1.3M-104.5% | -$2.3Mn/m | $130.2M+92.2% | $54.9M+405.6% |
| Dividends Paid | $1.0M+0.6% | $1.0M+0.7% | $1.0M+0.7% | $1.0M+6.1% | $1.0M+5.9% | $1.0M+5.6% | $1.0M+5.7% | $964K+0.4% |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | $0-100.0% | $867K+593.6% |
Not reported in any period shown, so not listed: Depreciation & Amortization.
ENBP Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 23.0%-4.4pp | 17.3%-4.2pp | 24.1%+5.5pp | 26.3%+8.4pp | 27.4%+3.9pp | 21.5%-0.8pp | 18.6%-7.6pp | 17.8%-3.5pp |
| Return on Equity | 3.3%-0.8pp | 2.5%-0.7pp | 3.4%+0.6pp | 3.9%+1.4pp | 4.2%+0.8pp | 3.2%0.0pp | 2.8%-0.9pp | 2.5%-1.2pp |
| Return on Assets | 0.2%0.0pp | 0.2%0.0pp | 0.2%+0.1pp | 0.3%+0.1pp | 0.3%+0.1pp | 0.2%0.0pp | 0.2%-0.1pp | 0.2%0.0pp |
| Liabilities-to-Equity | 12.94-2.0x | 13.84-1.6x | 13.02-2.9x | 13.62-0.9x | 14.96-0.1x | 15.41+0.1x | 15.95+0.2x | 14.48-4.1x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 22.4%0.0pp | 12.0%-3.5pp | 14.9%+1.1pp | 35.1%+19.3pp | 22.4%-11.0pp | 15.5%+17.4pp | 13.8%-26.3pp | 15.8%-9.7pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| ENB Financial Corp PA ENBP | FY2025 | $86.7M | $21.6M | 24.9% | $178.6M | — |
| Tri County Fincl Grp Corp TYFG | FY2025 | $67.3M | $13.7M | 20.3% | $204.7M | — |
| Steele Bancorp Inc STLE | FY2025 | $54.5M | $22.9M | 42.0% | $172.1M | — |
Where ENB Financial Corp PA Ranks
Frequently Asked Questions
ENB Financial Corp PA (ENBP) reported $86.7M in total revenue for fiscal year 2025. This represents a 15.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
ENB Financial Corp PA (ENBP) revenue grew by 15.9% year-over-year, from $74.9M to $86.7M in fiscal year 2025.
Yes, ENB Financial Corp PA (ENBP) reported a net income of $21.2M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $21.6M, with a net profit margin of 24.9%.
ENB Financial Corp PA (ENBP) had a net profit margin of 24.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Yes, ENB Financial Corp PA (ENBP) paid $0.72 per share in dividends during fiscal year 2025.
ENB Financial Corp PA (ENBP) has a return on equity of 13.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
ENB Financial Corp PA (ENBP) generated $19.2M in free cash flow during fiscal year 2025. This represents a 66.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
ENB Financial Corp PA (ENBP) generated $25.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
ENB Financial Corp PA (ENBP) had $2.3B in total assets as of fiscal year 2025, including both current and long-term assets.
ENB Financial Corp PA (ENBP) invested $5.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
ENB Financial Corp PA (ENBP) had a liabilities-to-equity ratio of 13.02 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
ENB Financial Corp PA (ENBP) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
ENB Financial Corp PA (ENBP) trades at 8.4x earnings, its market capitalization divided by $21.2M net income, trailing 12 months to June 30, 2026. The market capitalization is $178.6M as of Nov 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
ENB Financial Corp PA (ENBP) trades at 1.9x sales, its market capitalization divided by $93.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $178.6M as of Nov 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
ENB Financial Corp PA (ENBP) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.