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ENBP (ENB Financial) Cyclically Adjusted PB Ratio : 0.73 (As of Mar. 04, 2025)


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What is ENB Financial Cyclically Adjusted PB Ratio?

As of today (2025-03-04), ENB Financial's current share price is $16.75. ENB Financial's Cyclically Adjusted Book per Share for the quarter that ended in Sep. 2024 was $22.92. ENB Financial's Cyclically Adjusted PB Ratio for today is 0.73.

The historical rank and industry rank for ENB Financial's Cyclically Adjusted PB Ratio or its related term are showing as below:

ENBP' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.58   Med: 1.08   Max: 1.29
Current: 0.72

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

ENBP's Cyclically Adjusted PB Ratio is ranked better than
70.89% of 1209 companies
in the Banks industry
Industry Median: 1.03 vs ENBP: 0.72

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 adjusted book value per share data for the three months ended in Sep. 2024 was $23.960. 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 $22.92 for the trailing ten years ended in Sep. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


ENB Financial Cyclically Adjusted PB Ratio Historical Data

The historical data trend for ENB Financial's Cyclically Adjusted PB Ratio 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 PB Ratio Chart

ENB Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.02 1.07 0.74 0.67 -

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 PB Ratio 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 0.67 0.64 0.65 0.75 -

Competitive Comparison of ENB Financial's Cyclically Adjusted PB Ratio

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.



ENB Financial Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

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

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=16.75/22.92
=0.73

* 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.

ENB Financial's Cyclically Adjusted Book per Share for the quarter that ended in Sep. 2024 is calculated as:

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

Adj_Book=Book Value per Share/CPI of Sep. 2024 (Change)*Current CPI (Sep. 2024)
=23.96/133.0289*133.0289
=23.960

Current CPI (Sep. 2024) = 133.0289.

ENB Financial Quarterly Data

Book Value per Share CPI Adj_Book
201412 16.235 99.070 21.800
201503 16.560 99.621 22.113
201506 16.241 100.684 21.458
201509 16.599 100.392 21.995
201512 16.687 99.792 22.245
201603 16.986 100.470 22.490
201606 17.427 101.688 22.798
201609 17.526 101.861 22.889
201612 16.653 101.863 21.748
201703 16.894 102.862 21.849
201706 17.555 103.349 22.596
201709 17.705 104.136 22.617
201712 17.502 104.011 22.385
201803 17.090 105.290 21.593
201806 17.278 106.317 21.619
201809 17.334 106.507 21.650
201812 18.020 105.998 22.615
201903 18.767 107.251 23.278
201906 19.746 108.070 24.306
201909 20.369 108.329 25.013
201912 20.686 108.420 25.381
202003 20.808 108.902 25.418
202006 21.912 108.767 26.800
202009 22.513 109.815 27.272
202012 23.395 109.897 28.319
202103 23.140 111.754 27.545
202106 24.406 114.631 28.323
202109 24.434 115.734 28.085
202112 24.586 117.630 27.805
202203 20.740 121.301 22.745
202206 18.072 125.017 19.230
202209 15.316 125.227 16.270
202212 17.270 125.222 18.347
202303 18.774 127.348 19.612
202306 18.807 128.729 19.435
202309 17.254 129.860 17.675
202312 21.103 129.419 21.692
202403 21.494 131.776 21.698
202406 22.189 132.554 22.269
202409 23.960 133.029 23.960

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


ENB Financial  (OTCPK:ENBP) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


ENB Financial Cyclically Adjusted PB Ratio Related Terms

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


ENB Financial Business Description

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