ENB Financial Corp
ENB Financial Corp Fundamental Analysis
ENB Financial Corp (ENBP) shows moderate financial fundamentals with a PE ratio of 6.90, profit margin of 19.55%, and ROE of 18.80%. The company generates $0.1B in annual revenue with weak year-over-year growth of -21.85%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 37.2/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze ENBP's fundamental strength across five key dimensions:
Efficiency Score
WeakENBP struggles to generate sufficient returns from assets.
Valuation Score
ExcellentENBP trades at attractive valuation levels.
Growth Score
ModerateENBP shows steady but slowing expansion.
Financial Health Score
ModerateENBP shows balanced financial health with some risks.
Profitability Score
ExcellentENBP achieves industry-leading margins.
Key Financial Metrics
Is ENBP Expensive or Cheap?
P/E Ratio
ENBP trades at 6.90 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, ENBP's PEG of 0.20 indicates potential undervaluation.
Price to Book
The market values ENB Financial Corp at 0.00 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 5.23 times EBITDA. This is generally considered low.
How Well Does ENBP Make Money?
Net Profit Margin
For every $100 in sales, ENB Financial Corp keeps $19.55 as profit after all expenses.
Operating Margin
Core operations generate 24.34 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $18.80 in profit for every $100 of shareholder equity.
ROA
ENB Financial Corp generates $0.88 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
ENB Financial Corp produces operating cash flow of $24.10M, showing steady but balanced cash generation.
Free Cash Flow
ENB Financial Corp generates strong free cash flow of $21.28M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $3.73 in free cash annually.
FCF Yield
ENBP converts 14.32% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
6.90
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.20
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.00
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.36
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.19
vs 25 benchmark
ROA
Return on assets percentage
0.009
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How ENBP Stacks Against Its Sector Peers
| Metric | ENBP Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 6.90 | 19.08 | Better (Cheaper) |
| ROE | 18.80% | 831.00% | Weak |
| Net Margin | 19.55% | 2291.00% | Weak |
| Debt/Equity | 0.00 | 0.97 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 641.28 | Weak Liquidity |
| ROA | 0.88% | -21540.00% (disorted) | Weak |
ENBP outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews ENB Financial Corp's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
48.29%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
72.17%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
50.03%
Industry Style: Value, Dividend, Cyclical
High Growth