Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
ENB FinancialENBP -0.88%64 PB Ratio is 0.94 as of Aug. 01, 2026, which is 1% above its 10-year median of 0.93. 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 1,515 Banks companies, ENB Financial ranks better than 63.56% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-08-01), ENB Financial's share price is $28.28. ENB Financial's Book Value per Share for the quarter that ended in Mar. 2026 was $30.07. Hence, ENB Financial's PB Ratio of today is 0.94.
Warning Sign:
ENB Financial Corp stock PB Ratio (=0.95) is close to 3-year high of 1.01.
The historical rank and industry rank for ENB Financial's PB Ratio or its related term are showing as below:
ENBP'
s PB Ratio Range Over the Past 10 Years
Min: 0.65 Med: 0.93 Max: 1.18
Current: 0.94
During the past 13 years, ENB Financial's highest PB Ratio was 1.18. The lowest was 0.65. And the median was 0.93.
ENBP's PB Ratio is ranked better than 63.56% of 1515
companies
in the Banks industry
Industry Median: 1.11
vs ENBP: 0.94
During the past 12 months, ENB Financial's average Book Value Per Share Growth Rate was 20.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 17.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 2.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of ENB Financial was 17.90% per year. The lowest was -5.80% per year. And the median was 4.00% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
ENB Financial PB Ratio Related Terms
ENB Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for ENB Financial's 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.
For the Banks - Regional subindustry, ENB Financial's PB Ratio, along with its competitors' market caps and 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, ENB Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where ENB Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
ENB Financial's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
ENB Financial (ENBP) has a PB Ratio of 0.94 as of Aug. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on ENB Financial and its competitors. This is near median its historical median of 0.93. Over the past decade, ENB Financial's PB Ratio has ranged from 0.65 to 1.18. According to the industry distribution chart, ENB Financial ranks #552 out of 1515 companies in the Banks industry, placing it in the top 36.4%.
Is ENB Financial's PB Ratio too high?
ENB Financial's current PB Ratio of 0.94 is near median its 10-year median of 0.93. Over the past 10 years, this metric has ranged from a low of 0.65 to a high of 1.18. The Banks industry median PB Ratio is 1.11. ENB Financial's value of 0.94 is 15.3% below this industry median. Based on the distribution chart, ENB Financial ranks #552 out of 1515 companies in the Banks industry, which is above 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 PB Ratio compare to SBFG and MNAT?
According to the Banks industry distribution chart, ENB Financial ranks #552 out of 1515 companies for PB Ratio. This puts ENB Financial in the upper half of its industry. The industry median PB Ratio is 1.11. ENB Financial's value of 0.94 is 15.3% below this benchmark. Historically, ENB Financial's own PB Ratio has ranged from 0.65 to 1.18 over the past decade. While the company's 10-year median is 0.93 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ENB Financial's current PB Ratio of 0.94 is 15.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on ENB Financial and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ENB Financial's current PB Ratio is 0.94, which is near median its own 10-year median of 0.93. 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 PB Ratio is 0.94, which is near median its 10-year median of 0.93 and 15.3% below the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For ENB Financial (ENBP), the current PB Ratio is 0.94 as of Aug. 01, 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:
PB Ratio: 0.94 (near median its 10-year median of 0.93)
GF Value™: $20.83 vs. price of $28.28 (35.8% above fair value)
Industry Position: 15.3% below the Banks median (#552 of 1515)
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
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ENBP has been successfully added to your 
