Enb Financial Corp - Understand $enbp stock

$ENBP Market Cap: $103.1 Million

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Financial Snapshot

Revenue

$67.51M

TTM

Gross Margin

Net Earnings

$16.12M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$2.092B

Q3 2024

Total Liabilities

$1.957B

Q3 2024

Book Value

$135.2M

Q3 2024

Cash

$67.72M

Q3 2024

P/E

6.400

Nov 13, 2024 EST

Free Cash Flow

$12.23M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007
Revenue	$77.88M	$55.96M	$43.59M	$42.09M					$26.84M	$27.14M	$26.91M	$28.27M
YoY Change	39.17%	28.37%	3.56%						-1.09%	0.86%	-4.81%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2015	2014	2013	2012
Revenue	$77.88M	$55.96M	$43.59M	$42.09M	$26.84M	$27.14M	$26.91M	$28.27M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development	$6.891M	$5.591M	$4.420M	$3.148M					$1.594M	$1.624M	$1.582M	$1.623M
YoY Change	23.25%	26.49%	40.41%						-1.85%	2.65%	-2.53%
% of Gross Profit
Depreciation & Amortization	$1.601M	$1.335M	$1.320M	$1.377M	$1.560M	$1.620M	$1.620M	$1.620M	$1.440M	$1.356M	$1.205M	$1.117M	$1.330M	$1.380M	$1.270M	$1.260M	$1.140M
YoY Change	19.93%	1.14%	-4.14%	-11.73%	-3.7%	0.0%	0.0%	12.5%	6.19%	12.53%	7.88%	-16.02%	-3.62%	8.66%	0.79%	10.53%	1.79%
% of Gross Profit
Operating Expenses	$51.41M	$45.93M	$40.44M	$36.07M					$24.74M	$23.42M	$21.94M	$21.17M
YoY Change	11.93%	13.57%	12.11%						5.61%	6.77%	3.62%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2015	2014	2013	2012
Interest Expense	$23.84M	$5.376M	$3.020M	$3.846M	$3.744M	$4.676M	$5.382M	$6.413M
YoY Change	343.42%	78.01%	-21.48%		-19.93%	-13.12%	-16.08%
% of Operating Profit
Other Income/Expense, Net	$4.034M	$3.722M	$3.509M	$2.990M	$2.351M	$2.211M	$2.139M	$2.143M
YoY Change	8.38%	6.07%	17.36%		6.33%	3.37%	-0.19%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007
Pretax Income	$14.81M	$16.92M	$17.54M	$14.58M	$13.52M	$11.06M	$8.680M	$8.910M	$8.268M	$8.638M	$9.211M	$8.937M	$8.330M	$7.310M	$4.440M	$3.900M	$5.620M
YoY Change	-12.45%	-3.52%	20.24%	7.87%	22.24%	27.42%	-2.58%	7.76%	-4.28%	-6.22%	3.07%	7.29%	13.95%	64.64%	13.85%	-30.6%	2.37%
Income Tax	$2.436M	$2.287M	$2.620M	$2.285M	$2.130M	$1.310M	$1.240M	$1.350M	$1.358M	$1.546M	$1.501M	$1.295M	$1.190M	$970.0K	$140.0K	-$120.0K	$550.0K
% Of Pretax Income	16.45%	13.52%	14.94%	15.67%	15.75%	11.84%	14.29%	15.15%	16.42%	17.9%	16.3%	14.49%	14.29%	13.27%	3.15%	-3.08%	9.79%
Net Earnings	$12.38M	$14.63M	$14.92M	$12.30M	$11.40M	$9.750M	$6.340M	$7.550M	$6.910M	$7.092M	$7.710M	$7.642M	$7.150M	$6.350M	$4.300M	$4.010M	$5.060M
YoY Change	-15.42%	-1.91%	21.28%	7.89%	16.92%	53.79%	-16.03%	9.26%	-2.57%	-8.02%	0.89%	6.88%	12.6%	47.67%	7.23%	-20.75%	6.08%
Net Earnings / Revenue	15.89%	26.15%	34.22%	29.22%					25.74%	26.13%	28.66%	27.04%
Basic Earnings Per Share	$2.19	$2.62	$2.68	$2.20					$2.42	$2.48	$2.70	$2.68
Diluted Earnings Per Share	$2.19	$2.62	$2.679M	$2.204M	$2.007M	$1.708M	$1.112M	$1.325M	$1.210M	$1.242M	$1.353M	$1.338M	$1.252M	$1.116M	$758.4K	$701.0K	$886.2K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$28.02M	$28.65M	$25.10M	$25.50M	$25.90M	$25.60M	$25.70M	$22.60M	$21.70M	$22.40M	$23.00M	$20.90M	$21.40M	$20.50M	$20.90M	$19.90M	$17.80M
YoY Change	-2.2%	14.14%	-1.57%	-1.54%	1.17%	-0.39%	13.72%	4.15%	-3.13%	-2.61%	10.05%	-2.34%	4.39%	-1.91%	5.03%	11.8%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$2.001B	$1.859B	$1.717B	$1.462B	$1.172B	$1.098B	$1.034B	$984.3M	$905.6M	$857.2M	$812.3M	$799.2M	$771.1M	$747.8M	$726.0M	$688.4M	$633.8M
YoY Change
Accounts Payable												$0.00	$7.000M
YoY Change												-100.0%
Accrued Expenses	$2.781M	$3.145M	$600.0K	$700.0K	$900.0K
YoY Change	-11.57%	424.17%	-14.29%	-22.22%
Deferred Revenue
YoY Change
Short-Term Debt				$0.00	$200.0K	$7.900M	$0.00	$8.300M	$8.700M	$10.00M	$18.90M	$15.00M	$20.00M	$25.00M	$30.00M	$41.80M	$20.10M
YoY Change				-100.0%	-97.47%		-100.0%	-4.6%	-13.0%	-47.09%	26.0%	-25.0%	-20.0%	-16.67%	-28.23%	107.96%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$2.781M	$3.145M	$600.0K	$700.0K	$900.0K	$7.900M		$8.300M	$8.700M	$10.00M	$18.90M	$15.00M	$7.000M	$25.00M	$30.00M	$41.80M	$20.10M
YoY Change	-11.57%	424.17%	-14.29%	-22.22%	-88.61%			-4.6%	-13.0%	-47.09%	26.0%	114.29%	-72.0%	-16.67%	-28.23%	107.96%
Long-Term Debt	$39.56M	$39.40M	$19.70M	$19.60M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.41%	99.98%	0.51%
Other Long-Term Liabilities	$10.81M	$5.843M	$3.200M	$4.200M	$2.000M	$2.100M	$1.500M	$2.200M	$2.100M	$2.500M	$3.000M	$3.500M	$3.000M	$3.400M	$3.900M	$5.500M	$4.100M
YoY Change	84.96%	82.59%	-23.81%	110.0%	-4.76%	40.0%	-31.82%	4.76%	-16.0%	-16.67%	-14.29%	16.67%	-11.76%	-12.82%	-29.09%	34.15%
Total Long-Term Liabilities	$50.36M	$45.24M	$22.90M	$23.80M	$2.000M	$2.100M	$1.500M	$2.200M	$2.100M	$2.500M	$3.000M	$3.500M	$3.000M	$3.400M	$3.900M	$5.500M	$4.100M
YoY Change	11.33%	97.55%	-3.78%	1090.0%	-4.76%	40.0%	-31.82%	4.76%	-16.0%	-16.67%	-14.29%	16.67%	-11.76%	-12.82%	-29.09%	34.15%
Total Liabilities	$1.881B	$1.761B	$1.580B	$1.332B	$1.055B	$995.0M	$933.9M	$889.3M	$810.5M	$764.4M	$728.5M	$709.7M	$688.7M	$673.5M	$656.4M	$620.4M	$564.9M
YoY Change	6.8%	11.49%	18.6%	26.25%	6.04%	6.54%	5.02%	9.72%	6.03%	4.93%	2.65%	3.05%	2.26%	2.61%	5.8%	9.82%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2015	2014	2013	2012
Basic Shares Outstanding	5.644M shares	5.589M shares	5.568M shares	5.583M shares	2.853M shares	2.856M shares	2.852M shares	2.855M shares
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $103.14 Million

About ENB Financial Corp

ENB Financial Corp. is a bank holding company, which engages in the provision of financial services to individuals and small-to-medium-sized businesses in the market area. The company is headquartered in Ephrata, Pennsylvania and currently employs 281 full-time employees. The Company’s subsidiary, Ephrata National Bank (the Bank), is a full-service commercial bank. The company provides a range of financial services to individuals and small-to-medium-sized businesses in the market area. The company offers a range of demand accounts, in addition to savings and time deposits. The company also offers secured and unsecured commercial, real estate and consumer loans. Its ancillary services provide added convenience to customers, including direct deposit and direct payments of funds through Electronic Funds Transfer, Automatic Teller Machine linked to the NYCE network, telephone banking, MasterCard debit cards, Visa or MasterCard credit cards and safe deposit box facilities. The company offers Internet banking, including bill pay and wire transfer capabilities, remote deposit capture, and an ENB Bank on the Go! app for iPhones or Android phones. The company also offers a full complement of trust and investment advisory services through ENB’s Wealth Solutions.

Industry: National Commercial Banks Peers: CSB Bancorp, Inc. EMCLAIRE FINANCIAL CORP PNC Financial Services Group Inc SOUTHERN MICHIGAN BANCORP INC