ENBP Research | Milton Maxwell

ENBP

ENB Financial Corp

23.00

+0.00+0%

Dec 16, 4:00:00 PM EST

Upcoming Earnings

Report date

≈ -/-

Earnings Call Transcripts

This Quarter (Q1 '26)

No earnings call transcript available yet

Last Quarter (Q4 '25)

No earnings call transcript available

Key Stats

Market Cap

131.08M

P/E (TTM)

6.59

Basic EPS (TTM)

3.49

Dividend Yield

0.03%

Recent Filings

8-K

ENB hires new CFO Barton

12/16/25Dec 16, 2025

ENB Financial Corp appointed Douglas P. Barton as EVP/CFO and Treasurer effective December 15, 2025, with a $258,000 base salary and 898 restricted stock units vesting over three years. The three-year employment agreement includes severance up to 2.99x salary without change of control, or 2.5x post-change. Yet Barton paid a $25,000 SEC penalty in 2016 over Orrstown's GAAP violations. Leadership bolsters finance amid CEO transition.

10-Q

Q3 FY2025 results

11/14/25Nov 14, 2025

ENB Financial Corp posted Q3 net income of $5.9M, up 77% y/y to $1.04 diluted EPS on 5.7M shares, fueled by net interest income jumping 24% y/y to $17.6M as loan yields rose to 5.62% amid 6% loan growth to $1.48B. Margins expanded to 3.27% while deposit costs eased, yet borrowings ticked up with $60M short-term FHLB and $111M total debt. Cash fell to $48M but operating cash flow hit $20M YTD. Signed Cecil Bancorp deal in Aug 2025, eyeing Q1 2026 close for 18 branches. Non-GAAP metrics not disclosed in the 10-Q. Tariffs threaten ag and manufacturing clients.

8-K

Q3 net income surges 77%

10/20/25Oct 20, 2025

ENB Financial Corp reported Q3 2025 net income of $5.9M, up 77.4% from $3.3M last year, fueled by 24.0% higher net interest income to $17.6M. Loans grew 5.1% to $1.48B, assets hit $2.22B, yet expenses rose 7.5% on tech investments and Cecil Bank acquisition costs—set to close Q1 2026. ROA jumped to 1.06%; ROE soared 16.60%. Equity builds fast.

8-K

Holds $0.18 Q4 dividend

10/16/25Oct 16, 2025

ENB Financial Corp declared a $0.18 per share Q4 cash dividend on October 15, 2025, matching last year's Q4 and this year's Q3 payouts. Payable December 15 to November 14 record holders. Steady dividends signal confidence. Forward-looking statements note economic risks.

8-K

Exec severance announced

8/29/25Aug 29, 2025

ENB Financial Corp mutually parted ways with William J. Kitsch IV, Senior EVP and Chief Revenue Officer at Ephrata National Bank, effective August 30, 2025. Kitsch receives one year of base salary ($295,658) and health benefits under a severance agreement with release of claims, confidentiality, and non-solicitation terms. No replacement named yet.

About

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, real estate, and consumer loans. In addition, the company offers ATM, telephone banking, debit and credit card, safe deposit box facilities, remote deposit capture, and trust and investment advisory services; and internet banking services, that includes bill pay and wire transfer. ENB Financial Corp was founded in 1881 and is headquartered in Ephrata, Pennsylvania.

CEO

Mr. Jeffrey S. Stauffer

IPO

7/19/1994

Website

https://www.epnb.com

Employees

294

Sector

Financial Services

Industry

Banks - Regional