ENB Financial Corp (ENBP) Fair Value & Analysis
Financial Services · US · Market cap $160M
ENB Financial Corp
ENBP · US
Fair value as of: Jul 26, 2026
From 6 valuation models · updated 15 days ago
Share price +0.5% over the past month.
A solid business, screening 69% undervalued on our models.
What matters now
- The price is below even our cautious bear case ($36.85). The market is more pessimistic than our downside scenario.
- Solid quality (51/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.
How to read this chart
60‑month range $10.95 – $29.55 · fair‑value band $36.85 – $61.42 · the $29.10 price screens below the $49.14 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.
Analysis
ENB Financial Corp (ENBP) currently trades at $29.10, while our model-based Fair Value estimate is $49.14, implying the stock looks roughly 68.9% undervalued today. The Quality Score stands at 51/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, ENB Financial Corp generated revenue of $89.6M at a net margin of 23.7%. Revenue grew 18.9% year over year. It earns a return on equity of 14.2%. Net debt stands at $149M. Fundamentals as of Jul 26, 2026
Our scenario range runs from $36.85 (bear case) to $61.42 (bull case); at $29.10, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 81% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 69%, ENBP screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples ($39.53) versus Dividend Discount ($7.64). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 26, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 47 · Market factors (momentum, volatility) 88
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
ENB Financial Corp reported revenue of $86.7M in FY2025 versus $58.0M in FY2021, a compound +10.6%/yr. Reported net income was $21.6M in FY2025, compounding +9.6%/yr from FY2021.
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Peer Group
Banks - Regional · 1083 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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