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ENB FinancialENBP -0.88%64 ROA % is 0.69% as of Mar. 2026, which is 21% below its 10-year median of 0.87. 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 1,528 Banks companies, ENB Financial ranks worse than 55.63% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. ENB Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was $16.10 Mil.
ENB Financial's average Total Assets over the quarter that ended in Mar. 2026 was $2,341.03 Mil. Therefore, ENB Financial's annualized ROA % for the quarter that ended in Mar. 2026 was 0.69%.
The historical rank and industry rank for ENB Financial's ROA % or its related term are showing as below:
ENBP'
s ROA % Range Over the Past 10 Years
Min: 0.63 Med: 0.87 Max: 1
Current: 0.92
During the past 13 years, ENB Financial's highest ROA % was 1.00%. The lowest was 0.63%. And the median was 0.87%.
ENBP's ROA % is ranked worse than 55.63% of 1528
companies
in the Banks industry
Industry Median: 1
vs ENBP: 0.92
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
ENB Financial ROA % Related Terms
ENB Financial ROA % Historical Data
* Premium members only.
The historical data trend for ENB Financial's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, ENB Financial's ROA % distribution charts can be found below:
* The bar in red indicates where ENB Financial's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
ENB Financial (ENBP) has a ROA % of 0.69% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on ENB Financial and its competitors. This is 21% below median its historical median of 0.87. Over the past decade, ENB Financial's ROA % has ranged from 0.63 to 1.00. According to the industry distribution chart, ENB Financial ranks #850 out of 1528 companies in the Banks industry, placing it in the top 55.6%.
Is ENB Financial's ROA % too high?
ENB Financial's current ROA % of 0.69% is 21% below median its 10-year median of 0.87. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 1.00. The Banks industry median ROA % is 1.00. ENB Financial's value of 0.69% is 31% below this industry median. Based on the distribution chart, ENB Financial ranks #850 out of 1528 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 ROA % compare to SBFG and MNAT?
According to the Banks industry distribution chart, ENB Financial ranks #850 out of 1528 companies for ROA %. This places ENB Financial in the lower half of its industry. The industry median ROA % is 1.00. ENB Financial's value of 0.69% is 31% below this benchmark. Historically, ENB Financial's own ROA % has ranged from 0.63 to 1.00 over the past decade. While the company's 10-year median is 0.87 vs. the industry median of 1.00, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.00, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ENB Financial's current ROA % of 0.69% is 31% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on ENB Financial and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ENB Financial's current ROA % is 0.69%, which is 21% below median its own 10-year median of 0.87. 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 ROA % is 0.69%, which is 21% below median its 10-year median of 0.87 and 31% below the Banks industry median of 1.00. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For ENB Financial (ENBP), the current ROA % is 0.69% 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:
ROA %: 0.69% (21% below median its 10-year median of 0.87)
GF Value™: $20.83 vs. price of $28.28 (35.8% above fair value)
Industry Position: 31% below the Banks median (#850 of 1528)
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
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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