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ENB FinancialENBP -0.88%64 OCF Margin % is 15.49% as of Mar. 2026, which is 48% below its 10-year median of 29.82. GuruFocus rates ENBP with a GF Score™ of 64/100 and a GF Value™ of $20.83 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,498 Banks companies, ENB Financial ranks worse than 55.81% on this metric.
The historical data trend for ENB Financial's OCF Margin % 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.
For the Banks - Regional subindustry, ENB Financial's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, ENB Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where ENB Financial's OCF Margin % falls into.
* 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 (ENBP) has a OCF Margin % of 15.49% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on ENB Financial and its competitors. This is 48% below median its historical median of 29.82. Over the past decade, ENB Financial's OCF Margin % has ranged from 21.12 to 45.17. According to the industry distribution chart, ENB Financial ranks #836 out of 1498 companies in the Banks industry, placing it in the top 55.8%.
Is ENB Financial's OCF Margin % too high?
ENB Financial's current OCF Margin % of 15.49% is 48% below median its 10-year median of 29.82. Over the past 10 years, this metric has ranged from a low of 21.12 to a high of 45.17. The Banks industry median OCF Margin % is 29.27. ENB Financial's value of 15.49% is 47.1% below this industry median. Based on the distribution chart, ENB Financial ranks #836 out of 1498 companies in the Banks industry, which is below the industry midpoint. Overall, ENB Financial has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ENB Financial's OCF Margin % compare to SBFG and MNAT?
According to the Banks industry distribution chart, ENB Financial ranks #836 out of 1498 companies for OCF Margin %. This places ENB Financial in the lower half of its industry. The industry median OCF Margin % is 29.27. ENB Financial's value of 15.49% is 47.1% below this benchmark. Historically, ENB Financial's own OCF Margin % has ranged from 21.12 to 45.17 over the past decade. While the company's 10-year median is 29.82 vs. the industry median of 29.27, ENB Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.27, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ENB Financial's current OCF Margin % of 15.49% is 47.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on ENB Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ENB Financial's current OCF Margin % is 15.49%, which is 48% below median its own 10-year median of 29.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ENB Financial stock overvalued right now?
Based on GuruFocus' analysis, ENB Financial (ENBP) is currently considered Significantly Overvalued. The stock's GF Value™ is $20.83, compared to a current price of $28.28 — trading 35.8% above its estimated fair value. The current OCF Margin % is 15.49%, which is 48% below median its 10-year median of 29.82 and 47.1% below the Banks industry median of 29.27. ENB Financial's overall GF Score™ is 64/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For ENB Financial (ENBP), the current OCF Margin % is 15.49% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is ENB Financial (ENBP) Overvalued in 2026?
Based on GuruFocus' analysis, ENB Financial stock appears to be overvalued.
The current stock price of $28.28 is trading 35.8% above its estimated GF Value™ of $20.83.
GuruFocus considers ENB Financial to be Significantly Overvalued.
Key valuation signals for ENBP:
OCF Margin %: 15.49% (48% below median its 10-year median of 29.82)
GF Value™: $20.83 vs. price of $28.28 (35.8% above fair value)
Industry Position: 47.1% below the Banks median (#836 of 1498)
No single metric tells the full story. See the ENBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ENB Financial Corp operates as a bank. It offers a full array of banking services including loan and deposit products for both personal and commercial customers, as well as trust and investment services, through fourteen full-service office locations. The Bank has one subsidiary, which is a full-service insurance agency that offers a broad range of insurance products to commercial and personal clients. ENB Insurance is managed separately from the banking and related financial services that the Corporation offers.
64GF Score
Get the complete analysis for ENBP
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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