ENB Financial Corp (ENBP)
Financial Services · OQX
Fundamentals
Valuation and ratings
ENB Financial Corp trades at USD28.10, close to the USD31.88 our discounted cash flow model puts on the business. On this measure the market and the model broadly agree, so the interesting question is which of them is wrong.
Our moat model scores it 40 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 7.7 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
ENBP dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD0.360 | 2 |
| 2025 | USD0.720 | 4 |
| 2024 | USD0.690 | 4 |
| 2023 | USD0.680 | 4 |
| 2022 | USD0.680 | 4 |
| 2021 | USD0.670 | 4 |
| 2020 | USD0.640 | 4 |
| 2019 | USD0.465 | 3 |
| 2018 | USD0.575 | 4 |
| 2017 | USD0.560 | 4 |
| 2016 | USD0.410 | 3 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
About ENB Financial Corp
ENB Financial Corp operates as the bank holding company for Ephrata National Bank that provides various financial services to individuals and small-to-medium-sized businesses in the United States. The company offers deposit products comprising non-interest bearing and interest-bearing demand deposits, NOW accounts, money market deposit accounts, savings accounts, and time deposits; and direct deposit and direct payments of funds through electronic funds transfer. Its loan portfolio consists of secured and unsecured commercial, agriculture loans, home equity loans, real estate, and consumer loans. In addition, the company offers ATM, telephone banking, debit and credit card, master card, visa, safe deposit box facilities, bill pay and wire transfer capabilities, remote deposit capture, and trust and investment advisory services. ENB Financial Corp was founded in 1881 and is headquartered in Ephrata, Pennsylvania.
ENBP passes 5 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Common questions
Is ENB Financial Corp (ENBP) undervalued?
Against our discounted cash flow estimate of USD31.88, ENBP at USD28.10 is 13% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
What is ENBP's P/E ratio?
ENBP trades at 7.7 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does ENB Financial Corp (ENBP) pay a dividend?
Yes. ENB Financial Corp yields 2.48% at the current share price. It has paid USD0.720 per share over the trailing twelve months. It has paid a dividend in each of the last 25 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
The full research page for ENBP, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.