AUBURN NATL BANCORPORATION (AUBN) Fundamental Analysis & Valuation

NASDAQ:AUBN • US0504731078

Current stock price

23.68 USD
-0.27 (-1.13%)
Last:

This AUBN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. AUBN Profitability Analysis

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.
  • Of the past 5 years AUBN 4 years had a positive operating cash flow.
AUBN Yearly Net Income VS EBIT VS OCF VS FCFAUBN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M -5M 10M

1.2 Ratios

  • With a Return On Assets value of 0.71%, AUBN is not doing good in the industry: 71.84% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 7.98%, AUBN is doing worse than 63.16% of the companies in the same industry.
Industry RankSector Rank
ROA 0.71%
ROE 7.98%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
AUBN Yearly ROA, ROE, ROICAUBN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • AUBN's Profit Margin of 22.25% is on the low side compared to the rest of the industry. AUBN is outperformed by 63.95% of its industry peers.
  • In the last couple of years the Profit Margin of AUBN has declined.
  • The Operating Margin and Gross Margin are not available for AUBN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 22.25%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.37%
PM growth 5Y-2.47%
GM growth 3YN/A
GM growth 5YN/A
AUBN Yearly Profit, Operating, Gross MarginsAUBN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. AUBN Health Analysis

2.1 Basic Checks

  • AUBN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 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.
AUBN Yearly Shares OutstandingAUBN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M
AUBN Yearly Total Debt VS Total AssetsAUBN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC19.52%
AUBN Yearly LT Debt VS Equity VS FCFAUBN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AUBN Yearly Current Assets VS Current LiabilitesAUBN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M

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2

3. AUBN Growth Analysis

3.1 Past

  • AUBN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.89%, which is quite good.
  • The Earnings Per Share has been decreasing by -0.14% on average over the past years.
  • Looking at the last year, AUBN shows a small growth in Revenue. The Revenue has grown by 7.17% in the last year.
  • The Revenue has been growing slightly by 1.99% on average over the past years.
EPS 1Y (TTM)12.89%
EPS 3Y-11.06%
EPS 5Y-0.14%
EPS Q2Q%5.82%
Revenue 1Y (TTM)7.17%
Revenue growth 3Y-0.89%
Revenue growth 5Y1.99%
Sales Q2Q%8.36%

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.
AUBN Yearly Revenue VS EstimatesAUBN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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3

4. AUBN Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.38, the valuation of AUBN can be described as very reasonable.
  • AUBN's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 24.75. AUBN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.38
Fwd PE N/A
AUBN Price Earnings VS Forward Price EarningsAUBN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, AUBN is valued cheaper than 82.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.76
EV/EBITDA N/A
AUBN Per share dataAUBN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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8

5. AUBN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.69%, AUBN is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.66, AUBN pays a better dividend. On top of this AUBN pays more dividend than 92.11% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, AUBN pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.69%

5.2 History

  • The dividend of AUBN has a limited annual growth rate of 1.67%.
  • AUBN has paid a dividend for at least 10 years, which is 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
AUBN Yearly Dividends per shareAUBN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 52.76% of the earnings are spent on dividend by AUBN. This is a bit on the high side, but may be sustainable.
  • The Dividend Rate of AUBN has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP52.76%
EPS Next 2YN/A
EPS Next 3YN/A
AUBN Yearly Income VS Free CF VS DividendAUBN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M -5M 10M
AUBN Dividend Payout.AUBN Dividend Payout, showing the Payout Ratio.AUBN Dividend Payout.PayoutRetained Earnings

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AUBN Fundamentals: All Metrics, Ratios and Statistics

AUBURN NATL BANCORPORATION

NASDAQ:AUBN (3/30/2026, 8:00:01 PM)

23.68

-0.27 (-1.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)04-20
Inst Owners12.74%
Inst Owner Change5.42%
Ins Owners11.63%
Ins Owner Change0.1%
Market Cap82.64M
Revenue(TTM)32.79M
Net Income(TTM)7.15M
Analysts0
Price TargetN/A
Short Float %0.14%
Short Ratio1.93
Dividend
Industry RankSector Rank
Dividend Yield 4.69%
Yearly Dividend1.08
Dividend Growth(5Y)1.67%
DP52.76%
Div Incr Years0
Div Non Decr Years29
Ex-Date03-10
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 RankSector Rank
PE 11.38
Fwd PE N/A
P/S 2.57
P/FCF 7.76
P/OCF 7.1
P/B 0.92
P/tB 0.93
EV/EBITDA N/A
EPS(TTM)2.08
EY8.78%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.05
FCFY12.88%
OCF(TTM)3.34
OCFY14.09%
SpS9.21
BVpS25.68
TBVpS25.45
PEG (NY)N/A
PEG (5Y)N/A
Graham Number34.67
Profitability
Industry RankSector Rank
ROA 0.71%
ROE 7.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.25%
GM N/A
FCFM 33.12%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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-10.37%
PM growth 5Y-2.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 47.88%
Cap/Sales 3.12%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 148.87%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC19.52%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.89%
EPS 3Y-11.06%
EPS 5Y-0.14%
EPS Q2Q%5.82%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.17%
Revenue growth 3Y-0.89%
Revenue growth 5Y1.99%
Sales Q2Q%8.36%
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 1Y51.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y26.31%
OCF growth 3YN/A
OCF growth 5YN/A

AUBURN NATL BANCORPORATION / AUBN Fundamental Analysis FAQ

What is the fundamental rating for AUBN stock?

ChartMill assigns a fundamental rating of 3 / 10 to AUBN.


What is the valuation status of AUBURN NATL BANCORPORATION (AUBN) stock?

ChartMill assigns a valuation rating of 3 / 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 2 / 10.


Can you provide the PE and PB ratios for AUBN stock?

The Price/Earnings (PE) ratio for AUBURN NATL BANCORPORATION (AUBN) is 11.38 and the Price/Book (PB) ratio is 0.92.


Can you provide the dividend sustainability for AUBN stock?

The dividend rating of AUBURN NATL BANCORPORATION (AUBN) is 8 / 10 and the dividend payout ratio is 52.76%.