ENB Financial Corp (ENBP) Fair Value & Analysis
Financial Services · US · Market cap $160M
Fair value as of: Jun 26, 2026
Analysis
ENB Financial Corp (ENBP) currently trades at $28.00, while our model-based Fair Value estimate is $49.14 — implying the stock looks roughly 75.5% undervalued today. We read business quality at 95/100 (high 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.
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. 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.
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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.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.