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ENBP (ENB Financial) Cyclically Adjusted Book per Share : $22.98 (As of Dec. 2024)


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What is ENB Financial Cyclically Adjusted Book per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

ENB Financial's adjusted book value per share for the three months ended in Dec. 2024 was $23.163. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $22.98 for the trailing ten years ended in Dec. 2024.

During the past 12 months, ENB Financial's average Cyclically Adjusted Book Growth Rate was 3.70% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 4.10% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 5.90% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 5.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of ENB Financial was 7.30% per year. The lowest was 2.50% per year. And the median was 4.55% per year.

As of today (2025-04-15), ENB Financial's current stock price is $16.50. ENB Financial's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2024 was $22.98. ENB Financial's Cyclically Adjusted PB Ratio of today is 0.72.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of ENB Financial was 1.29. The lowest was 0.58. And the median was 1.08.


ENB Financial Cyclically Adjusted Book per Share Historical Data

The historical data trend for ENB Financial's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

ENB Financial Cyclically Adjusted Book per Share Chart

ENB Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 18.32 20.36 21.50 22.16 22.98

ENB Financial Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 22.16 22.60 22.77 22.92 22.98

Competitive Comparison of ENB Financial's Cyclically Adjusted Book per Share

For the Banks - Regional subindustry, ENB Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


ENB Financial's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, ENB Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where ENB Financial's Cyclically Adjusted PB Ratio falls into.


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ENB Financial Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, ENB Financial's adjusted Book Value per Share data for the three months ended in Dec. 2024 was:

Adj_Book= Book Value per Share /CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=23.163/133.1571*133.1571
=23.163

Current CPI (Dec. 2024) = 133.1571.

ENB Financial Quarterly Data

Book Value per Share CPI Adj_Book
201503 16.560 99.621 22.135
201506 16.241 100.684 21.479
201509 16.599 100.392 22.017
201512 16.687 99.792 22.266
201603 16.986 100.470 22.512
201606 17.427 101.688 22.820
201609 17.526 101.861 22.911
201612 16.653 101.863 21.769
201703 16.894 102.862 21.870
201706 17.555 103.349 22.618
201709 17.705 104.136 22.639
201712 17.502 104.011 22.406
201803 17.090 105.290 21.613
201806 17.278 106.317 21.640
201809 17.334 106.507 21.671
201812 18.020 105.998 22.637
201903 18.767 107.251 23.300
201906 19.746 108.070 24.330
201909 20.369 108.329 25.037
201912 20.686 108.420 25.406
202003 20.808 108.902 25.443
202006 21.912 108.767 26.826
202009 22.513 109.815 27.298
202012 23.395 109.897 28.347
202103 23.140 111.754 27.572
202106 24.406 114.631 28.350
202109 24.434 115.734 28.112
202112 24.586 117.630 27.831
202203 20.740 121.301 22.767
202206 18.072 125.017 19.249
202209 15.316 125.227 16.286
202212 17.270 125.222 18.364
202303 18.774 127.348 19.630
202306 18.807 128.729 19.454
202309 17.254 129.860 17.692
202312 21.103 129.419 21.712
202403 21.494 131.776 21.719
202406 22.189 132.554 22.290
202409 23.960 133.029 23.983
202412 23.163 133.157 23.163

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.


ENB Financial  (OTCPK:ENBP) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

ENB Financial's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=16.50/22.98
=0.72

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of ENB Financial was 1.29. The lowest was 0.58. And the median was 1.08.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


ENB Financial Cyclically Adjusted Book per Share Related Terms

Thank you for viewing the detailed overview of ENB Financial's Cyclically Adjusted Book per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


ENB Financial Business Description

Industry
Traded in Other Exchanges
N/A
Address
31 E. Main Street, Ephrata, PA, USA, 17522
ENB Financial Corp operates as a bank. It offers services such as checking, savings, loans, online banking, credit cards, student loans, car and vehicle loans, and other banking-related services. The bank generates its revenue in the form of interest income.
Executives
Nicholas D Klein officer: Chief Risk Officer 31 E. MAIN STREET, EPHRATA PA 17522
Cindy L. Cake officer: Chief Human Resources Officer 31 E MAIN ST, EPHRATA PA 17522
Jeffrey Stauffer director, officer: Chairman, President, and CEO, Chairman of the Board 31 E MAIN ST, EPHRATA PA 17522
Chad E Neiss officer: Chief Strategy Officer 31 E MAIN ST, EPHRATA PA 17522
Roger L Zimmerman director 380 BLUE LAKE ROAD, DENVER PA 17517
Adrienne Lea Miller officer: General Counsel, other: Corporate Secretary 31 E. MAIN STREET, EPHRATA PA 17522
Rachel G Bitner officer: Chief Financial Officer, other: Treasurer of Corporation 31 E MAIN ST, EPHRATA PA 17522
Joshua E. Hoffman director 31 E MAIN ST, EPHRATA PA 17522
Joselyn D Strohm officer: Chief Operating Officer 31 E. MAIN STREET, EPHRATA PA 17522
Kitsch William J Iv officer: Chief Revenue Officer 31 E MAIN ST, EPHRATA PA 17522
Judith A Weaver director 1559 BRIERTOWN ROAD, EAST EARL PA 17519
Brian K Reed director 2564 VALLEY ROAD, MANHEIM PA 17545
Susan Y Nicholas director 1037 WHEATLAND AVE, LANCASTER PA 17603
J Daniel Stoltzfus director 540 WHITE SCHOOL ROAD, HONEY BROOK PA 19344
Matthew T Long officer: Chief Operating Officer 36 BREEZE WAY, LANCASTER PA 17602