Company research
ENB Financial Corp
CIK 1437479Updated Nov 13, 2026
SecurityENBP · OTC · equity
Historical securities (1)
ENBP · OTC · equity · closed Oct 18, 2024ENBP price & chart
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OTC:ENBP on TradingView ↗About the company
ENB Financial Corp, headquartered in Ephrata, PA, is the bank holding company for its wholly-owned subsidiary The Ephrata National Bank. The Ephrata National Bank operates from fourteen full-service locations in Lancaster County, southeastern Lebanon County, and southern Berks County, Pennsylvania, with the headquarters located at 31 E. Main Street, Ephrata, PA. It operates from four full-service locations in Cecil County, Maryland as Cecil Bank, a division of The Ephrata National Bank. The Ephrata National Bank has been serving the community since 1881. For more information about ENB Financial Corp, visit the Corporation’s web site at www.enbfc.com.
In the news
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Recent filings
10-Q filing
Results of Operations and Financial Condition
Items 2.02, 9.01
Other Events
Items 8.01, 9.01
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements
Items 5.02
10-Q filing
Show 5 more recent filings
Results of Operations and Financial Condition
Items 2.02, 9.01
Other Events
Items 8.01, 9.01
10-Q filing
Submission of Matters to a Vote of Security Holders · Regulation FD Disclosure
Items 5.07, 7.01, 9.01
Results of Operations and Financial Condition
Items 2.02, 9.01
Financials
FY 2025 · USDSource
Source
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 2,222,591,000Source | 2,092,471,000Source | 2,391,041,000Source | 2,225,903,000Source | 2,024,558,000Source | 2,424,338,000Source | 2,220,977,000Source | 1,992,039,000Source | 2,257,727,000Source | 2,219,831,000Source | 2,000,824,000Source | 1,858,716,000Source |
| Property, Plant and Equipment, NetUSD | 31,182,000Source | 28,116,000Source | 34,593,000Source | 29,552,000Source | 26,261,000Source | 34,335,000Source | 28,486,000Source | 26,610,000Source | 31,987,000Source | 27,897,000Source | 25,284,000Source | 25,333,000Source |
| Current assets: | ||||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 48,400,000Source | 67,717,000Source | 37,145,000Source | 65,269,000Source | 106,613,000Source | 89,520,000Source | 78,728,000Source | 67,853,000Source | 60,573,000Source | 68,909,000Source | 88,996,000Source | 37,572,000Source |
| Accounts Receivable | — | — | — | — | — | — | — | — | — | — | —Source | — |
| Operating Lease, Right-of-Use AssetUSD | — | — | — | — | — | — | — | — | 2,455,000Source | 2,347,000Source | 2,736,000Source | — |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 2,070,603,000Source | 1,957,312,000Source | 2,219,521,000Source | 2,086,421,000Source | 1,898,592,000Source | 2,260,951,000Source | 2,085,601,000Source | 1,870,106,000Source | 2,096,673,000Source | 2,088,847,000Source | 1,881,170,000Source | 1,761,381,000Source |
| Stockholders’ equity: | ||||||||||||
| Common Stock, Value, IssuedUSD | 574,000Source | 574,000Source | 574,000Source | 574,000Source | 574,000Source | 574,000Source | 574,000Source | 574,000Source | 574,000Source | 574,000Source | 574,000Source | 574,000Source |
| Additional Paid in CapitalUSD | — | 3,994,000Source | — | 3,966,000Source | 4,001,000Source | — | 3,961,000Source | 4,036,000Source | — | 3,957,000Source | 4,072,000Source | 4,437,000Source |
| Retained Earnings (Accumulated Deficit)USD | 174,990,000Source | 159,296,000Source | 187,158,000Source | 170,094,000Source | 156,924,000Source | 182,480,000Source | 165,304,000Source | 153,573,000Source | 179,481,000Source | 162,006,000Source | 150,596,000Source | 142,677,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -26,843,000Source | -27,047,000Source | -19,862,000Source | -34,217,000Source | -34,491,000Source | -23,051,000Source | -33,285,000Source | -35,111,000Source | -22,137,000Source | -34,143,000Source | -34,355,000Source | -48,292,000Source |
| Stockholders' Equity Attributable to ParentUSD | 151,988,000Source | 135,159,000Source | 171,520,000Source | 139,482,000Source | 125,966,000Source | 163,387,000Source | 135,376,000Source | 121,933,000Source | 161,054,000Source | 130,984,000Source | 119,654,000Source | 97,335,000Source |
| Additional Paid in Capital, Common StockUSD | 3,989,000Source | 3,994,000Source | 4,096,000Source | 3,966,000Source | — | 4,041,000Source | 3,961,000Source | — | 3,979,000Source | — | — | — |
| Liabilities and EquityUSD | 2,222,591,000Source | 2,092,471,000Source | 2,391,041,000Source | 2,225,903,000Source | 2,024,558,000Source | 2,424,338,000Source | 2,220,977,000Source | 1,992,039,000Source | 2,257,727,000Source | 2,219,831,000Source | 2,000,824,000Source | 1,858,716,000Source |
| Additional Financial Items | ||||||||||||
| Dividends PayableUSD | — | — | — | — | — | — | — | — | 16,300,000Source | — | — | — |
| Goodwill | — | — | —Source | — | — | —Source | — | — | — | — | — | — |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Depreciation and amortization | — | — | — | — | — | — | —Source | —Source | —Source | —Source | —Source | —Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | 7,000Source | 15,000Source | 55,000Source | 61,000Source | 62,000Source | 11,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | 501,000Source | 275,000Source | 943,000Source | 61,000Source | 1,324,000Source | 272,000Source | 168,000Source | -65,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 3,610,000Source | 4,128,000Source | 25,116,000Source | 15,815,000Source | 30,147,000Source | 21,616,000Source |
| Cash flows from investing activities: | ||||||||||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | 47,371,000Source | 7,944,000Source | -38,367,000Source | -237,881,000Source | -90,316,000Source | -315,809,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 818,000Source | 1,007,000Source | 5,941,000Source | 4,305,000Source | 1,552,000Source | 2,192,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | — | — | 332,000Source | 1,318,000Source | 572,000Source | 116,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | -22,034,000Source | -2,253,000Source | 4,915,000Source | 201,979,000Source | 111,593,000Source | 173,316,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 1,025,000Source | 1,018,000Source | 4,084,000Source | 3,907,000Source | 3,837,000Source | 3,810,000Source |
| Repayments of Long-term DebtUSD | — | — | — | — | — | — | 7,800,000Source | 4,500,000Source | 15,984,000Source | 17,406,000Source | 13,816,000Source | — |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 48,400,000Source | 67,717,000Source | 37,145,000Source | 65,269,000Source | 89,520,000Source | 78,728,000Source | 60,573,000Source | 68,909,000Source | 88,996,000Source | 37,572,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 8,100,000Source | 9,414,000Source | 37,979,000Source | 35,161,000Source | 22,232,000Source | 5,030,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | — | — | — | — | 2,000,000Source | 1,900,000Source |
| Additional Financial Items | ||||||||||||
| Share-based Payment Arrangement, ExpenseUSD | — | — | — | — | — | — | — | — | 55,000Source | 61,000Source | 62,000Source | — |
| Bank Owned Life Insurance IncomeUSD | — | — | 294,000Source | 279,000Source | 304,000Source | 282,000Source | 404,000Source | 271,000Source | 1,144,000Source | 1,259,000Source | 958,000Source | 1,583,000Source |
| Debt and Equity Securities, Realized Gain (Loss)USD | — | — | 63,000Source | 211,000Source | 8,000Source | 50,000Source | 1,000Source | 21,000Source | 125,000Source | 256,000Source | -125,000Source | -32,000Source |
| DepreciationUSD | — | — | — | — | — | — | — | — | 1,851,000Source | 1,692,000Source | 1,601,000Source | 1,335,000Source |
| Dividends PayableUSD | — | — | — | — | — | — | — | — | 16,300,000Source | — | — | — |
| Equipment ExpenseUSD | — | — | 421,000Source | 311,000Source | 628,000Source | 324,000Source | 532,000Source | 386,000Source | 1,637,000Source | 1,298,000Source | 1,302,000Source | 1,240,000Source |
| Equity Securities, FV-NI, Gain (Loss)USD | — | — | 63,000Source | 211,000Source | 15,000Source | 50,000Source | 32,000Source | -28,000Source | 106,000Source | 256,000Source | -125,000Source | -32,000Source |
| Gain (Loss) on Sale of InvestmentsUSD | — | — | -81,000Source | -131,000Source | 7,000Source | — | 31,000Source | -49,000Source | -19,000Source | -259,000Source | — | -52,000Source |
| Gain (Loss) on Sale of Mortgage LoansUSD | — | — | 506,000Source | 369,000Source | 436,000Source | 391,000Source | 512,000Source | 439,000Source | 1,878,000Source | 1,826,000Source | 767,000Source | 1,302,000Source |
| Income Tax Expense (Benefit)USD | — | — | 1,419,000Source | 752,000Source | 1,335,000Source | 1,380,000Source | 1,022,000Source | 982,000Source | 5,176,000Source | 3,308,000Source | 2,436,000Source | 2,287,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 5,919,000Source | 3,336,000Source | 5,704,000Source | 5,810,000Source | 4,024,000Source | 4,316,000Source | 21,559,000Source | 15,317,000Source | 12,375,000Source | 14,631,000Source |
| Operating ExpensesUSD | — | — | 15,181,000Source | 14,124,000Source | 18,266,000Source | 13,922,000Source | 18,284,000Source | 14,319,000Source | 59,119,000Source | 55,231,000Source | 51,407,000Source | 45,929,000Source |
| Proceeds from Issuance of Long-term DebtUSD | — | — | — | — | — | — | — | — | — | — | 57,005,000Source | 13,833,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 13,983,000Source | 17,297,000Source | 63,510,000Source | 47,871,000Source | 31,865,000Source | 53,714,000Source |
| Provision for Loan, Lease, and Other LossesUSD | — | — | 20,000Source | 497,000Source | -462,000Source | 126,000Source | -22,000Source | 486,000Source | 887,000Source | 1,015,000Source | 520,000Source | 1,300,000Source |
| Unrealized Gain (Loss) on InvestmentsUSD | — | — | — | 211,000Source | — | — | — | — | — | 256,000Source | — | — |
| Payments to Acquire Businesses, Net of Cash Acquired | — | — | — | — | — | — | —Source | — | — | — | — | — |
| Amortization | — | — | — | — | — | — | —Source | —Source | — | — | — | — |
| Amortization of Intangible Assets | — | — | — | — | —Source | — | —Source | — | — | — | — | — |
| Debt and Equity Securities, Unrealized Gain (Loss) | — | — | — | — | — | —Source | — | —Source | — | — | — | — |
| Goodwill | — | — | — | — | —Source | — | —Source | — | — | — | — | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 7,338,000Source | 4,088,000Source | 7,039,000Source | 7,190,000Source | 5,046,000Source | 5,298,000Source | 26,735,000Source | 18,625,000Source | 14,811,000Source | 16,918,000Source |
| Income Tax Expense (Benefit)USD | — | — | 1,419,000Source | 752,000Source | 1,335,000Source | 1,380,000Source | 1,022,000Source | 982,000Source | 5,176,000Source | 3,308,000Source | 2,436,000Source | 2,287,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 5,919,000Source | 3,336,000Source | 5,704,000Source | 5,810,000Source | 4,024,000Source | 4,316,000Source | 21,559,000Source | 15,317,000Source | 12,375,000Source | 14,631,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 1.04Source | 0.59Source | 1Source | 1.02Source | 0.71Source | 0.76Source | 3.8Source | 2.71Source | 2.19Source | 2.62Source |
| Earnings Per Share, DilutedUSD per share | — | — | — | — | 1Source | 1.02Source | 0.71Source | 0.76Source | 3.8Source | 2.71Source | 2.19Source | — |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 5,684,176Source | 5,658,537Source | 5,704,369Source | 5,670,021Source | 5,694,472Source | 5,656,205Source | 5,675,338Source | 5,658,146Source | 5,644,486Source | 5,588,656Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | — | — | 5,706,016Source | 5,673,034Source | 5,696,420Source | 5,657,596Source | 5,676,056Source | — | — | — |
| Additional Financial Items | ||||||||||||
| Bank Owned Life Insurance IncomeUSD | — | — | 294,000Source | 279,000Source | 304,000Source | 282,000Source | 404,000Source | 271,000Source | 1,144,000Source | 1,259,000Source | 958,000Source | 1,583,000Source |
| Business Combination, Acquisition Related CostsUSD | — | — | — | — | 1,561,000Source | — | 2,157,000Source | — | 698,000Source | — | — | — |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | 834,000Source | 1,105,000Source | 79,000Source | 921,000Source | 3,852,000Source | 3,036,000Source | 2,268,000Source | — |
| Debt and Equity Securities, Realized Gain (Loss)USD | — | — | 63,000Source | 211,000Source | 8,000Source | 50,000Source | 1,000Source | 21,000Source | 125,000Source | 256,000Source | -125,000Source | -32,000Source |
| Debt Securities, Gain (Loss)USD | — | — | — | — | — | -2,000Source | — | -305,000Source | -312,000Source | -97,000Source | -1,371,000Source | 42,000Source |
| Equipment ExpenseUSD | — | — | 421,000Source | 311,000Source | 628,000Source | 324,000Source | 532,000Source | 386,000Source | 1,637,000Source | 1,298,000Source | 1,302,000Source | 1,240,000Source |
| Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | 23,838,000Source | 5,376,000Source |
| InterestExpenseOperatingUSD | — | — | 9,490,000Source | 9,336,000Source | 8,955,000Source | 8,759,000Source | 8,880,000Source | 8,788,000Source | 37,405,000Source | 36,127,000Source | — | — |
| Interest Income (Expense), NetUSD | — | — | 17,575,000Source | 14,170,000Source | 20,781,000Source | 17,657,000Source | 18,929,000Source | 16,777,000Source | 68,704,000Source | 56,741,000Source | 54,039,000Source | 50,583,000Source |
| Labor and Related ExpenseUSD | — | — | 8,955,000Source | 8,644,000Source | 9,182,000Source | 8,357,000Source | 9,537,000Source | 8,280,000Source | 34,671,000Source | 34,043,000Source | 30,152,000Source | 27,324,000Source |
| Marketing and Advertising ExpenseUSD | — | — | 267,000Source | 371,000Source | 441,000Source | 375,000Source | 348,000Source | 367,000Source | 1,387,000Source | 1,152,000Source | 1,404,000Source | 1,083,000Source |
| Operating ExpensesUSD | — | — | 15,181,000Source | 14,124,000Source | 18,266,000Source | 13,922,000Source | 18,284,000Source | 14,319,000Source | 59,119,000Source | 55,231,000Source | 51,407,000Source | 45,929,000Source |
| Other ExpensesUSD | — | — | 1,567,000Source | 1,271,000Source | 1,024,000Source | 1,019,000Source | 1,028,000Source | 1,354,000Source | 4,809,000Source | 4,488,000Source | 4,034,000Source | 3,722,000Source |
| Other IncomeUSD | — | — | 641,000Source | 315,000Source | 309,000Source | 363,000Source | 346,000Source | 307,000Source | 1,786,000Source | 1,281,000Source | 1,223,000Source | 1,425,000Source |
| Amortization of Intangible Assets | — | — | — | — | —Source | — | —Source | — | — | — | — | — |
| Debt and Equity Securities, Unrealized Gain (Loss) | — | — | — | — | — | —Source | — | —Source | — | — | — | — |
Filing attachments
ex99-1.htm · 8-K · 2026-05-06
EX-99 2 ex99-1.htm EX-99 AGENDA • Welcome • Reading of the Minutes • Meeting Certification • Matters of Proxy • Voting • Discussion of Company Condition • President’s Remarks • Financial Review • Voting Results • Questions & Answers • Adjournment PRESENTERS Jeffrey S. Stauffer President, CEO & Chairman of the Board - ENB Financial Corp and Ephrata National Bank Nicholas D. Klein Vice President and Corporate Secretary - ENB Financial Corp Rachel G. Bitner President and CEO Elect - ENB Financ…
Read attachment ↗ex99-1.htm · 8-K/A · 2026-04-17
Exhibit 99.1 CECIL BANCORP, INC. AND SUBSIDIARY CONSOLIDATED FINANCIAL STATEMENTS AS OF AND FOR THE YEARS ENDED DECEMBER 31, 2024 AND 2023 INDEX Page INDEPENDENT AUDITOR’S REPORT 1 CONSOLIDATED FINANCIAL STATEMENTS Balance Sheets 3 Statements of Income 4 Statements of Comprehensive Income (Loss) 5 Statements of Changes …
Read attachment ↗ex99-2.htm · 8-K/A · 2026-04-17
Exhibit 99.2 CECIL BANCORP, INC. AND SUBSIDIARY UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS AS OF AND FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2025 AND 2024 INDEX PAGE CONSOLIDATED FINANCIAL STATEMENTS Balance Sheets 1 Statements of Income 2 Statements of Comprehensive Income 3 Statement of Changes in Stockholders' Equity 4 Statements…
Read attachment ↗ex99-1.htm · 8-K · 2026-02-02
PRESS RELEASE FOR IMMEDIATE RELEASE Contact: Craig Rodenberger SVP, Chief Marketing Officer 717-721-5279 crodenberger@epnb.com ENB FINANCIAL CORP AND THE EPHRATA NATIONAL BANK COMPLETE THE ACQUISITION OF CECIL BANCORP, INC. AND CECIL BANK EPHRATA, PA (February 2, 2026) - ENB Financial Corp (OTCQX: ENBP) (“ENB” or the “Corporation”), bank holding company for The Ephrata National Bank, announced today that its acquisition of Cecil Bancorp, Inc. (“Cecil”) and its wholly owned subsidiary Ceci…
Read attachment ↗ex99-1.htm · 8-K · 2026-01-12
EX-99.1 2 ex99-1.htm EX-99.1 PRESS RELEASE FOR IMMEDIATE RELEASE Contact: Craig Rodenberger SVP, Chief Marketing Officer 717-721-5279 crodenberger@epnb.com ENB FINANCIAL CORP RECEIVES APPROVALS TO ACQUIRE CECIL BANCORP, INC. AND ITS WHOLLY-OWNED SUBSIDIARY CECIL BANK EPHRATA, PA, [January 12, 2026] ENB Financial Corp (OTCQX: ENBP) (“ENB” or the “Corporation”), bank holding company for The Ephrata National Bank, is pleased to announce the receipt of all stockholder and regulatory appr…
Read attachment ↗ex99-1.htm · 8-K · 2025-12-18
EX-99.1 6 ex99-1.htm EX-99.1 Exhibit 99.1 December 7, 2021 Private Placement of Subordinated Notes December 2, 2025 CONFIDENTIAL Notice to Recipients 2 This confidential presentation (this “Presentation”) has been prepared solely for general informational purposes by ENB Financial Corp (the “Company,” the “holding company,” “we,” or “our”), a Pennsylvania corporation and the registered bank holding company for Ephrata National Bank (the “Bank”), a Pennsylvania located national banking asso…
Read attachment ↗