ENB Financial Corp Q4 net income down 17.6% to $3.7M; EPS $0.66 vs $0.80

ENB Financial Corp

2024-FY EPS reported $2.71

Net income $3.726M for Q4 2024, down $798K (17.6%) from Q4 2023; full-year income $15.317M, up 23.8%.
Diluted EPS $0.66 for Q4 vs $0.80 prior year; year-to-date EPS $2.71 vs $2.19.
Net interest income up 15% in Q4, but provision for credit losses increased to $1.369M vs a release of $1.048M in Q4 2023.
ROA fell to 0.69% from 0.92%; ROE fell to 11.11% from 17.98% for Q4; full-year ROA improved to 0.75% from 0.65%.
Total assets $2.22B (+10.9%), loans $1.43B (+4.9%), deposits $1.89B (+9.5%) as of Dec 31, 2024.

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