ENB Financial (ENB Financial) Cash-to-Debt : 0.63 (As of Dec. 2023)

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What is ENB Financial Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. ENB Financial's cash to debt ratio for the quarter that ended in Dec. 2023 was 0.63.

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, ENB Financial couldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2023.

The historical rank and industry rank for ENB Financial's Cash-to-Debt or its related term are showing as below:

During the past 13 years, ENB Financial's highest Cash to Debt Ratio was 2.48. The lowest was 0.00. And the median was 0.65.

ENBP's Cash-to-Debt is not ranked ^*
in the Banks industry.
Industry Median: 1.295
* Ranked among companies with meaningful Cash-to-Debt only.

ENB Financial Cash-to-Debt Historical Data

The historical data trend for ENB Financial's Cash-to-Debt 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.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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ENB Financial Cash-to-Debt Chart

ENB Financial Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

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0.53

1.28

2.48

0.33

0.63

ENB Financial Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Cash-to-Debt	Get a 7-Day Free Trial															0.38	0.47	0.28	0.63	N/A

Competitive Comparison of ENB Financial's Cash-to-Debt

For the Banks - Regional subindustry, ENB Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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's Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, ENB Financial's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where ENB Financial's Cash-to-Debt falls into.

ENB Financial Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

ENB Financial's Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	88.996	/	(0	+	140.784)
	=	0.63

ENB Financial's Cash to Debt Ratio for the quarter that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	88.996	/	(0	+	140.784)
	=	0.63

ENB Financial (OTCPK:ENBP) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

ENB Financial Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of ENB Financial's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

ENB Financial (ENB Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » ENB Financial Corp (OTCPK:ENBP) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

31 E. Main Street, Ephrata, PA, USA, 17522

Website

https://www.epnb.com

ENB Financial Corp operates as a bank. It offers services such as checking, savings, loans, online banking, credit cards, student loans, cars and vehicle loans, and other banking-related services. The bank generates its revenue in the form of interest income.

Executives

Jeffrey Stauffer	director, officer: Chairman, President, and CEO, Chairman of the Board	31 E MAIN ST, EPHRATA PA 17522
Adrienne Lea Miller	officer: General Counsel, other: Corporate Secretary	31 E. MAIN STREET, EPHRATA PA 17522
Chad E Neiss	officer: Chief Strategy Officer	31 E MAIN ST, EPHRATA PA 17522
Rachel G Bitner	officer: Chief Financial Officer, other: Treasurer of Corporation	31 E MAIN ST, EPHRATA PA 17522
Joshua E. Hoffman	director	31 E MAIN ST, EPHRATA PA 17522
Joselyn D Strohm	officer: Chief Operating Officer	31 E. MAIN STREET, EPHRATA PA 17522
Kitsch William J Iv	officer: Chief Revenue Officer	31 E MAIN ST, EPHRATA PA 17522
Roger L Zimmerman	director	380 BLUE LAKE ROAD, DENVER PA 17517
Nicholas D Klein	officer: Chief Risk Officer	31 E. MAIN STREET, EPHRATA PA 17522
Mark C Wagner	director	4040 MARKLE ROAD, BROGUE PA 17309
Jennifer Halligan	officer: Controller	688 FAIRMONT AVENUE, MOHNTON PA 19540
J Daniel Stoltzfus	director	540 WHITE SCHOOL ROAD, HONEY BROOK PA 19344
Cindy L. Cake	officer: Chief Human Resources Officer	31 E MAIN ST, EPHRATA PA 17522
Matthew T Long	officer: Chief Operating Officer	36 BREEZE WAY, LANCASTER PA 17602
Brian K Reed	director	2564 VALLEY ROAD, MANHEIM PA 17545