earnings
confidence high
sentiment negative
materiality 0.70
ENB Financial Q2 net income falls 1.8% to $5.7M; adjusted EPS $1.22 vs $1.00 reported
ENB Financial Corp
- Net income $5.704M ($1.00 EPS) vs $5.810M ($1.02) in Q2 2025; YTD net income $9.728M ($1.71) down 3.9%.
- Completed Cecil Bancorp acquisition Feb 1, 2026; added $147.4M loans, $186.4M deposits; merger expenses $1.24M after tax in Q2.
- Adjusted net income (ex-merger charges) $6.944M ($1.22 EPS) for Q2; net interest income up 17.7%.
- Provision for credit losses released $462,000 vs expense of $126,000 in prior year; allowance 1.11% of loans.
- Total assets $2.39B (+7.4%), loans $1.67B (+14.2%), deposits $2.02B (+6.4%), equity $171.5M (+23.0%).