ENB Financial Corp
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 dep… Read more
ENB Financial Corp (ENBP) - Net Assets
Latest net assets as of June 2025: $139.48 Million USD
Based on the latest financial reports, ENB Financial Corp (ENBP) has net assets worth $139.48 Million USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.23 Billion) and total liabilities ($2.09 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $139.48 Million |
| % of Total Assets | 6.27% |
| Annual Growth Rate | 4.0% |
| 5-Year Change | 0.59% |
| 10-Year Change | 37.73% |
| Growth Volatility | 9.22 |
ENB Financial Corp - Net Assets Trend (2000–2024)
This chart illustrates how ENB Financial Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for ENB Financial Corp (2000–2024)
The table below shows the annual net assets of ENB Financial Corp from 2000 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $130.98 Million | +9.47% |
| 2023-12-31 | $119.65 Million | +22.93% |
| 2022-12-31 | $97.33 Million | -29.10% |
| 2021-12-31 | $137.29 Million | +5.43% |
| 2020-12-31 | $130.22 Million | +11.59% |
| 2019-12-31 | $116.69 Million | +13.51% |
| 2018-12-31 | $102.80 Million | +3.05% |
| 2017-12-31 | $99.76 Million | +5.08% |
| 2016-12-31 | $94.94 Million | -0.17% |
| 2015-12-31 | $95.10 Million | +2.52% |
| 2014-12-31 | $92.77 Million | +10.73% |
| 2013-12-31 | $83.78 Million | -6.41% |
| 2012-12-31 | $89.52 Million | +8.54% |
| 2011-12-31 | $82.47 Million | +11.10% |
| 2010-12-31 | $74.23 Million | +6.69% |
| 2009-12-31 | $69.58 Million | +2.25% |
| 2008-12-31 | $68.05 Million | -1.13% |
| 2007-12-31 | $68.82 Million | +4.34% |
| 2006-12-31 | $65.96 Million | +2.96% |
| 2005-12-31 | $64.06 Million | -2.29% |
| 2004-12-31 | $65.56 Million | +2.75% |
| 2003-12-31 | $63.81 Million | +4.42% |
| 2002-12-31 | $61.10 Million | +13.13% |
| 2001-12-31 | $54.02 Million | +5.82% |
| 2000-12-31 | $51.05 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to ENB Financial Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 244.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $162.01 Million | 123.68% |
| Total Equity | $130.98 Million | 100.00% |
ENB Financial Corp Competitors by Market Cap
The table below lists competitors of ENB Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
EXCO TECHS LTD
F:3XT
|
$85.78 Million |
|
Athens Medical C.S.A.
AT:IATR
|
$85.78 Million |
|
CLS HLDGS PLC LS-025
F:838
|
$85.79 Million |
|
GENOVIS AB SE-40
F:5GV
|
$85.82 Million |
|
Optimax Technology Corp
TW:3051
|
$85.75 Million |
|
PDS Limited
NSE:PDSL
|
$85.72 Million |
|
Fleetwood Ltd
AU:FWD
|
$85.72 Million |
|
Bellevue Group AG
SW:BBN
|
$85.72 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in ENB Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 119,654,000 to 130,984,000, a change of 11,330,000 (9.5%).
- Net income of 15,317,000 contributed positively to equity growth.
- Dividend payments of 3,907,000 reduced retained earnings.
- Share repurchases of 1,318,000 reduced equity.
- New share issuances of 965,000 increased equity.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $15.32 Million | +11.69% |
| Dividends Paid | $3.91 Million | -2.98% |
| Share Repurchases | $1.32 Million | -1.01% |
| Share Issuances | $965.00K | +0.74% |
| Other Changes | $273.00K | +0.21% |
| Total Change | $- | 9.47% |
Book Value vs Market Value Analysis
This analysis compares ENB Financial Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.67x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has increased from 0.53x to 0.67x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-12-31 | $29.33 | $15.50 | x |
| 2014-12-31 | $32.47 | $15.50 | x |
| 2015-12-31 | $33.37 | $15.50 | x |
| 2016-12-31 | $33.31 | $15.50 | x |
| 2017-12-31 | $17.50 | $15.50 | x |
| 2018-12-31 | $18.02 | $15.50 | x |
| 2019-12-31 | $20.69 | $15.50 | x |
| 2020-12-31 | $23.39 | $15.50 | x |
| 2021-12-31 | $24.59 | $15.50 | x |
| 2022-12-31 | $17.27 | $15.50 | x |
| 2023-12-31 | $21.10 | $15.50 | x |
| 2024-12-31 | $23.16 | $15.50 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently ENB Financial Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.69%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 20.46%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 16.95x
- Recent ROE (11.69%) is above the historical average (9.15%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2000 | 9.72% | 18.56% | 0.07x | 7.61x | $-141.50K |
| 2001 | 9.92% | 18.39% | 0.07x | 8.12x | $-44.50K |
| 2002 | 10.22% | 21.11% | 0.06x | 7.84x | $133.50K |
| 2003 | 10.14% | 21.91% | 0.06x | 8.24x | $86.20K |
| 2004 | 10.37% | 22.94% | 0.05x | 8.30x | $244.90K |
| 2005 | 10.90% | 21.76% | 0.06x | 9.02x | $578.80K |
| 2006 | 7.23% | 13.64% | 0.06x | 9.20x | $-1.82 Million |
| 2007 | 7.36% | 13.12% | 0.06x | 9.21x | $-1.82 Million |
| 2008 | 5.90% | 10.13% | 0.06x | 10.12x | $-2.79 Million |
| 2009 | 6.18% | 10.69% | 0.06x | 10.43x | $-2.66 Million |
| 2010 | 8.55% | 15.98% | 0.05x | 10.07x | $-1.08 Million |
| 2011 | 8.67% | 18.53% | 0.05x | 9.35x | $-1.10 Million |
| 2012 | 8.54% | 21.67% | 0.04x | 8.93x | $-1.31 Million |
| 2013 | 9.20% | 24.75% | 0.04x | 9.70x | $-667.60K |
| 2014 | 7.64% | 22.12% | 0.04x | 9.24x | $-2.18 Million |
| 2015 | 7.27% | 20.94% | 0.04x | 9.52x | $-2.60 Million |
| 2016 | 7.96% | 21.06% | 0.04x | 10.37x | $-1.94 Million |
| 2017 | 6.36% | 15.86% | 0.04x | 10.36x | $-3.63 Million |
| 2018 | 9.48% | 22.38% | 0.04x | 10.68x | $-531.20K |
| 2019 | 9.77% | 24.01% | 0.04x | 10.04x | $-273.80K |
| 2020 | 9.45% | 24.28% | 0.03x | 11.23x | $-722.60K |
| 2021 | 10.86% | 25.73% | 0.03x | 12.51x | $1.19 Million |
| 2022 | 15.03% | 23.28% | 0.03x | 19.10x | $4.90 Million |
| 2023 | 10.34% | 18.54% | 0.03x | 16.72x | $409.60K |
| 2024 | 11.69% | 20.46% | 0.03x | 16.95x | $2.22 Million |
Industry Comparison
This section compares ENB Financial Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| ENB Financial Corp (ENBP) | $139.48 Million | 9.72% | 14.96x | $85.76 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |