ENB Financial Corp (ENBP)

Name: ENB Financial Corp Financial Statements
Creator: Quarter Results

Financial Services | Banks Regional

Latest reporting period: 2025-03-31

Latest Quarter

2025-03-31

Revenue

$20.2M

Net Income

$4.3M

Operating Margin

26.3%

Free Cash Flow

$11.0M

Debt / Assets

94.1%

Values are in USD and rounded to the nearest whole number unless noted.

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Income statement quarterly history for ENB Financial Corp (ENBP).
Income Statement (Quarterly)	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Revenue	20,152,000	20,049,000	23,506,000	18,395,000
Cost of Revenue	20,152,000	0	10,616,000	10,320,000
Gross Profit	0	20,049,000	12,890,000	8,075,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	0	9,061,000	371,000	204,000
Operating Expenses	0	20,049,000	3,508,000	13,368,000
Operating Income	5,298,000	5,055,000	9,382,000	18,395,000
Interest Expense	0	10,157,000	9,336,000	8,435,000
Income Before Tax	5,298,000	4,535,000	4,088,000	5,234,000
Income Tax Expense	982,000	809,000	752,000	920,000
Net Income	4,316,000	3,726,000	3,336,000	4,314,000
Per Share
EPS	0.76	0.66	0.59	0.77
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for ENB Financial Corp (ENBP).
Income Statement (Annual)	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Revenue	86,741,000	74,871,000	77,877,000	62,722,000	58,452,000
Cost of Revenue	887,000	0	25,212,000	34,153,000	0
Gross Profit	85,854,000	74,871,000	52,665,000	28,569,000	58,452,000
Operating Expenses
R&D Expenses	0	0	0	0	0
SG&A Expenses	38,063,000	35,195,000	31,556,000	33,998,000	992,000
Operating Expenses	59,119,000	74,871,000	66,738,000	45,929,000	40,441,000
Operating Income	26,735,000	18,625,000	20,012,000	22,294,000	0
Interest Expense	37,405,000	36,127,000	23,838,000	5,376,000	3,020,000
Income Before Tax	26,735,000	18,625,000	14,811,000	16,918,000	17,536,000
Income Tax Expense	5,176,000	3,308,000	2,436,000	2,287,000	2,620,000
Net Income	21,559,000	15,317,000	12,375,000	14,631,000	14,916,000
Per Share
EPS	3.80	2.71	2.19	2.62	2.67
EPS Diluted	0.00	0.00	0.00	0.00	0.00

Balance sheet quarterly history for ENB Financial Corp (ENBP).
Balance Sheet (Quarterly)	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Assets
Cash and Cash Equivalents	68,909,000	88,996,000	37,572,000	20
Short Term Investments	616,430,000	459,569,000	529,142,000	558
Net Receivables	0	0	0	0
Inventory	0	0	0	0
Total Current Assets	685,339,000	88,996,000	566,714,000	578
Property Plant Equipment	30,244,000	25,752,000	25,333,000	0
Goodwill and Intangibles	2,364,000	2,151,000	0	0
Total Assets	2,219,831,000	2,000,824,000	1,858,716,000	1,717,230,000
Liabilities
Account Payables	0	0	0	0
Short Term Debt	60,000,000	457,000	16,000,000	-25
Total Current Liabilities	1,568,979,000	1,106,376,000	16,000,000	-25
Long Term Debt	123,538,000	140,784,000	97,435,000	44
Total Liabilities	2,088,847,000	1,881,170,000	1,761,381,000	1,579,942,000
Shareholders Equity
Retained Earnings	162,006,000	150,596,000	142,677,000	132
Total Shareholders Equity	130,984,000	119,654,000	97,335,000	137,288,000

Balance sheet annual history for ENB Financial Corp (ENBP).
Balance Sheet (Annual)	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Assets
Cash and Cash Equivalents	68,909,000	88,996,000	37,572,000	20	0
Short Term Investments	616,430,000	459,569,000	529,142,000	558	0
Net Receivables	0	0	0	0	0
Inventory	0	0	0	0	0
Total Current Assets	685,339,000	88,996,000	566,714,000	578	0
Property Plant Equipment	30,244,000	25,752,000	25,333,000	0	0
Goodwill and Intangibles	2,364,000	2,151,000	0	0	0
Total Assets	2,219,831,000	2,000,824,000	1,858,716,000	1,717,230,000	1,462,313,000
Liabilities
Account Payables	0	0	0	0	0
Short Term Debt	60,000,000	457,000	16,000,000	-25	0
Total Current Liabilities	1,568,979,000	1,106,376,000	16,000,000	-25	0
Long Term Debt	123,538,000	140,784,000	97,435,000	44	0
Total Liabilities	2,088,847,000	1,881,170,000	1,761,381,000	1,579,942,000	1,332,097,000
Shareholders Equity
Retained Earnings	162,006,000	150,596,000	142,677,000	132	0
Total Shareholders Equity	130,984,000	119,654,000	97,335,000	137,288,000	130,216,000

Cash flow quarterly history for ENB Financial Corp (ENBP).
Cash Flow Statement (Quarterly)	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Operating Activities
Net Income	15,317,000	12,375,000	14,631,000	14,916,000
Depreciation & Amortization	2,089,000	2,004,000	1,629,000	4,057,000
Stock Based Compensation	61,000	62,000	11,000	0
Change in Working Capital	-1,574,000	4,056,000	-1,057,000	-5,717,000
Operating Cash Flow	15,815,000	23,805,000	21,616,000	13,256,000
Investing Activities
Capital Expenditure	-4,856,000	-2,085,000	-2,333,000	0
Investments	-4,305,000	-2,085,000	-2,333,000	0
Investing Cash Flow	-237,881,000	-83,974,000	-315,809,000	-195,237,000
Financing Activities
Debt Repayment	42,594,000	-27,189,000	-49,433,000	-10,584,000
Common Stock Issued/Repurchased	-353,000	401,000	948,000	403,000
Dividends Paid	-3,907,000	-3,837,000	-3,810,000	-3,730,000
Financing Cash Flow	201,979,000	111,593,000	173,316,000	245,491,000
Summary
Free Cash Flow	10,959,000	21,720,000	19,283,000	13,256,000
Net Change in Cash	-20,087,000	51,424,000	-120,877,000	63,510,000

Cash flow annual history for ENB Financial Corp (ENBP).
Cash Flow Statement (Annual)	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Operating Activities
Net Income	15,317,000	12,375,000	14,631,000	14,916,000	12,299,000
Depreciation & Amortization	2,089,000	2,004,000	1,629,000	4,057,000	1,689,000
Stock Based Compensation	61,000	62,000	11,000	0	0
Change in Working Capital	-1,574,000	4,056,000	-1,057,000	-5,717,000	-826,000
Operating Cash Flow	15,815,000	23,805,000	21,616,000	13,256,000	16,443,000
Investing Activities
Capital Expenditure	-4,856,000	-2,085,000	-2,333,000	0	-1,304,000
Investments	-4,305,000	-2,085,000	-2,333,000	0	-1,104,000
Investing Cash Flow	-237,881,000	-83,974,000	-315,809,000	-195,237,000	-232,470,000
Financing Activities
Debt Repayment	42,594,000	-27,189,000	-49,433,000	-10,584,000	-47,078,000
Common Stock Issued/Repurchased	-353,000	401,000	948,000	403,000	-1,556,000
Dividends Paid	-3,907,000	-3,837,000	-3,810,000	-3,730,000	-3,573,000
Financing Cash Flow	201,979,000	111,593,000	173,316,000	245,491,000	269,913,000
Summary
Free Cash Flow	10,959,000	21,720,000	19,283,000	13,256,000	15,139,000
Net Change in Cash	-20,087,000	51,424,000	-120,877,000	63,510,000	53,886,000