ENB Financial Corp

epnb.com

What Do They Do?

Takes deposits and makes commercial, real estate and consumer loans for individuals and small-to-medium-sized businesses. Also offers trust, investment advisory and insurance services to personal and commercial clients.

How Do They Make Money?

The bank earns interest on loans and securities and pays interest on deposits and borrowings; customers pay fixed fees for services periodically or based on activity as services are provided.

FY2025 revenue

Who Are Their Customers?

Individuals and small-to-medium-sized businesses in its market area use the Bank directly through community offices and digital channels for deposits, loans and other services.

Do Revenues Turn Into Profits?

Yes. It kept 20 cents of every revenue dollar as net income in FY2025 and turned 18 cents into free cash flow.

Net income, FY2025

20% of revenue

▲ +41% vs FY2024 ($15.3M, 16%)

Free cash flow, FY2025

18% of revenue

▲ +67% vs FY2024 ($11.5M, 12%)

How Are They Changing?

Since the FY2025 annual report

Latest quarter: Q2 FY2026, the three months to Jun 30, 2026

Revenue: ▲ +13%; vs $26.4M in Q2 FY2025
Net income: ▼ −2%; vs $5.8M in Q2 FY2025

May 6, 2026 Rachel Bitner identified as president and CEO-elect Annual-meeting materials list Bitner as president and CEO-elect alongside Jeffrey Stauffer.

Growing. Revenue grew 2.4x in 4 years, from $43.6M in FY2021 to $106.1M in FY2025, about 25% a year.

Cecil County expansion The service area extends into Cecil County, Maryland, beyond the Pennsylvania counties described in the older report.

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