For the quarter ending 2026-03-31, ENBP had $49,456K increase in cash & cash equivalents over the period. -$12,984K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Amortization of deferred fees on subordinated debt | - | -40 | -80 |
| Net income | -12,021 | 5,919 | 10,126 |
| Net amortization of securities premiums and discounts and loan fees | - | -146 | -266 |
| Net amortization expense | 243 | - | - |
| Decrease in interest receivable | -171 | 388 | -374 |
| Increase (decrease) in interest payable | 754 | 517 | -491 |
| (release) provision for credit losses | -654 | 20 | 612 |
| Losses on the sale of debt securities, net | - | 0 | -307 |
| (gains) losses on equity securities, net | -53 | 63 | 22 |
| Gains on sale of mortgages | -824 | 506 | 830 |
| Loans originated for sale | -23,992 | 12,864 | 23,585 |
| Proceeds from sales of loans | -26,203 | 14,402 | 26,129 |
| Earnings on bank-owned life insurance | -443 | 294 | 553 |
| Gain on sale of other real estate owned | - | 101 | - |
| Depreciation of premises and equipment and amortization of software | -958 | 584 | 1,045 |
| Deferred income tax | -121 | 1,717 | -653 |
| Amortization of deferred fees on subordinated debt | 61 | - | - |
| Stock-based compensation expense | -37 | 11 | 33 |
| Other assets and other liabilities, net | 2,586 | -875 | 2,466 |
| Net cash provided by operating activities | -16,777 | 10,015 | 10,372 |
| Proceeds from maturities, calls, and repayments | -33,780 | 11,441 | 36,322 |
| Available For Sale Securities Debt | 5,597 | 0 | 12,246 |
| Purchases | - | 0 | 19,993 |
| Other Assets Investing Activities | -492 | 425 | 128 |
| Purchases | -225 | 110 | 222 |
| Proceeds from sale of other real estate owned | - | -1,090 | - |
| Purchase of regulatory bank stock | 408 | 161 | 535 |
| Redemptions of regulatory bank stock | 774 | 264 | 354 |
| Purchase of bank-owned life insurance | - | 5 | - |
| Proceeds from bank-owned life insurance | 1,640 | - | 0 |
| Net decrease (increase) in loans | -71,727 | 20,036 | 36,230 |
| Purchases of premises and equipment, net | -3,793 | 2,113 | 2,498 |
| Net cash paid for acquisition | 968 | - | - |
| Purchase of computer software | -172 | 104 | 80 |
| Net cash provided by investing activities | 67,188 | -9,309 | -10,508 |
| Treasury stock purchased | - | - | 0 |
| Net increase in demand, and savings accounts | 59,814 | -19,690 | 728 |
| Net decrease in time deposits | -47,570 | 7,913 | 5,355 |
| Repayments of long-term debt | -5,200 | 5,000 | 8,000 |
| Repayment of subordinated debt | 20,000 | - | - |
| Dividends paid | -2,036 | 1,023 | 2,038 |
| Proceeds from sale of treasury stock | -435 | 225 | 451 |
| Net cash used for financing activities | -955 | -17,575 | -3,504 |
| Increase in cash and cash equivalents | 49,456 | -16,869 | -3,640 |
| Cash and cash equivalents at beginning of period | 48,400 | 68,909 | - |
| Cash and cash equivalents at end of period | 89,520 | 48,400 | - |
ENB Financial Corp (ENBP)
ENB Financial Corp (ENBP)