---
schema_version: "secwatch.filing_event.v1"
accession: "0001174947-26-000070"
form_type: "8-K"
ticker: "ENBP"
cik: "0001437479"
company_name: "ENB Financial Corp"
filed_at: "2026-01-22T23:59:59+00:00"
generated_at: "2026-05-16T08:44:31.730440+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# ENB Financial Corp Q4 net income $5.5M ($0.97 EPS), up 48% YoY

## Summary
- Q4 net income $5.5M ($0.97 diluted EPS) vs $3.7M ($0.66) a year ago, up 48%; full-year EPS $3.80.
- Net interest income rose 18.0% in Q4 and 21.1% in FY 2025; provision for credit losses fell to $255K from $1.37M.
- Operating expenses increased 10.0% in Q4 due to tech investments and $698K in Cecil Bank acquisition costs (expected close Q1 2026).
- Total assets $2.26B (+1.7%), gross loans $1.52B (+6.2%), deposits $1.87B (-0.9%), equity $161M (+23%).

## SEC filing metadata
- accession: 0001174947-26-000070
- form_type: 8-K
- ticker: ENBP
- cik: 0001437479
- company_name: ENB Financial Corp
- filed_at: 2026-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1437479/000117494726000070/0001174947-26-000070-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1437479/000117494726000070/form8k-76543_enbp.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174947-26-000070
- JSON: https://secwatch.observer/filing/0001174947-26-000070.json
- Plain text: https://secwatch.observer/filing/0001174947-26-000070.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.