AUBURN NATL BANCORPORATION (AUBN) Stock Fundamental Analysis
USA - NASDAQ:AUBN - US0504731078 - Common Stock
25.42 USD
-0.64 (-2.46%)
Taking everything into account, AUBN scores 3 out of 10 in our fundamental rating. AUBN was compared to 390 industry peers in the Banks industry. AUBN scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. AUBN has a expensive valuation and it also scores bad on growth. Finally AUBN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
AUBN had positive earnings in the past year.
AUBN had a positive operating cash flow in the past year.
In the past 5 years AUBN has always been profitable.
AUBN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
AUBN has a Return On Assets of 0.65%. This is in the lower half of the industry: AUBN underperforms 66.75% of its industry peers.
AUBN has a Return On Equity (7.73%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 7.73% | ||
| ROIC | N/A |
ROA(3y)0.6%
ROA(5y)0.66%
ROE(3y)8.4%
ROE(5y)7.98%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 21.21%, AUBN is not doing good in the industry: 60.10% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of AUBN has declined.
AUBN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.21% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.74%
PM growth 5Y-7.5%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
AUBN does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, AUBN has about the same amount of shares outstanding.
Compared to 5 years ago, AUBN has less shares outstanding
AUBN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
There is no outstanding debt for AUBN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.4%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 970.17% over the past year.
AUBN shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.61% yearly.
Looking at the last year, AUBN shows a very strong growth in Revenue. The Revenue has grown by 36.90%.
The Revenue has been decreasing by -0.61% on average over the past years.
EPS 1Y (TTM)970.17%
EPS 3Y-6.91%
EPS 5Y-7.61%
EPS Q2Q%5.72%
Revenue 1Y (TTM)36.9%
Revenue growth 3Y2.66%
Revenue growth 5Y-0.61%
Sales Q2Q%6.94%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.38, which indicates a correct valuation of AUBN.
AUBN's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of AUBN to the average of the S&P500 Index (26.89), we can say AUBN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.38 | ||
| Fwd PE | N/A |
4.2 Price Multiples
AUBN's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. AUBN is cheaper than 66.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.07 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
AUBN has a Yearly Dividend Yield of 4.13%, which is a nice return.
AUBN's Dividend Yield is a higher than the industry average which is at 3.53.
Compared to an average S&P500 Dividend Yield of 2.31, AUBN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.13% |
5.2 History
The dividend of AUBN has a limited annual growth rate of 1.67%.
AUBN has been paying a dividend for at least 10 years, so it has a reliable track record.
AUBN has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)1.67%
Div Incr Years0
Div Non Decr Years29
5.3 Sustainability
AUBN pays out 56.68% of its income as dividend. This is a bit on the high side, but may be sustainable.
AUBN's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP56.68%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:AUBN (10/24/2025, 8:09:50 PM)
25.42
-0.64 (-2.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners10.87%
Inst Owner Change0%
Ins Owners25.21%
Ins Owner Change0.31%
Market Cap88.72M
Revenue(TTM)31.38M
Net Income(TTM)6.66M
Analysts0
Price TargetN/A
Short Float %0.15%
Short Ratio2.74
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.13% |
Yearly Dividend1.08
Dividend Growth(5Y)1.67%
DP56.68%
Div Incr Years0
Div Non Decr Years29
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.38 | ||
| Fwd PE | N/A | ||
| P/S | 2.83 | ||
| P/FCF | 10.07 | ||
| P/OCF | 9.39 | ||
| P/B | 1.03 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.9
EY7.47%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.52
FCFY9.93%
OCF(TTM)2.71
OCFY10.65%
SpS8.99
BVpS24.66
TBVpS24.43
PEG (NY)N/A
PEG (5Y)N/A
Graham Number32.47
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 7.73% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.21% | ||
| GM | N/A | ||
| FCFM | 28.07% |
ROA(3y)0.6%
ROA(5y)0.66%
ROE(3y)8.4%
ROE(5y)7.98%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.74%
PM growth 5Y-7.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 30.96% | ||
| Cap/Sales | 2.04% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 132.35% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC18.4%
ROIC/WACCN/A
Cap/Depr(3y)197.81%
Cap/Depr(5y)544.29%
Cap/Sales(3y)9.85%
Cap/Sales(5y)25.81%
Profit Quality(3y)332.5%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)970.17%
EPS 3Y-6.91%
EPS 5Y-7.61%
EPS Q2Q%5.72%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)36.9%
Revenue growth 3Y2.66%
Revenue growth 5Y-0.61%
Sales Q2Q%6.94%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-21%
FCF growth 3YN/A
FCF growth 5Y-0.72%
OCF growth 1Y-33.38%
OCF growth 3Y-4.27%
OCF growth 5Y-0.08%
AUBURN NATL BANCORPORATION / AUBN FAQ
What is the fundamental rating for AUBN stock?
ChartMill assigns a fundamental rating of 3 / 10 to AUBN.
What is the valuation status for AUBN stock?
ChartMill assigns a valuation rating of 2 / 10 to AUBURN NATL BANCORPORATION (AUBN). This can be considered as Overvalued.
What is the profitability of AUBN stock?
AUBURN NATL BANCORPORATION (AUBN) has a profitability rating of 3 / 10.
What are the PE and PB ratios of AUBURN NATL BANCORPORATION (AUBN) stock?
The Price/Earnings (PE) ratio for AUBURN NATL BANCORPORATION (AUBN) is 13.38 and the Price/Book (PB) ratio is 1.03.
What is the financial health of AUBURN NATL BANCORPORATION (AUBN) stock?
The financial health rating of AUBURN NATL BANCORPORATION (AUBN) is 4 / 10.