24.0001 USD
-1.09 (-4.34%)
Overall AUBN gets a fundamental rating of 3 out of 10. We evaluated AUBN against 387 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 does not seem to be growing, but still is valued expensively. 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.
Each year in the past 5 years AUBN has been profitable.
AUBN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.65%, AUBN is doing worse than 68.22% of the companies in the same industry.
AUBN has a Return On Equity of 7.73%. This is in the lower half of the industry: AUBN underperforms 60.21% of its industry peers.
| 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
AUBN has a Profit Margin of 21.20%. This is in the lower half of the industry: AUBN underperforms 62.27% of its industry peers.
AUBN's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for AUBN so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.2% | ||
| 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.
The number of shares outstanding for AUBN has been reduced compared to 5 years ago.
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.
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
WACC19.01%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AUBN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 726.45%, which is quite impressive.
Measured over the past years, AUBN shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.61% on average per year.
The Revenue has grown by 37.26% in the past year. This is a very strong growth!
The Revenue has been decreasing by -0.61% on average over the past years.
EPS 1Y (TTM)726.45%
EPS 3Y-6.91%
EPS 5Y-7.61%
EPS Q2Q%27.4%
Revenue 1Y (TTM)37.26%
Revenue growth 3Y2.66%
Revenue growth 5Y-0.61%
Sales Q2Q%9.96%
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
With a Price/Earnings ratio of 11.71, the valuation of AUBN can be described as very reasonable.
AUBN's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of AUBN to the average of the S&P500 Index (26.41), we can say AUBN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.71 | ||
| Fwd PE | N/A |
4.2 Price Multiples
70.03% of the companies in the same industry are more expensive than AUBN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.51 | ||
| 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
With a Yearly Dividend Yield of 4.48%, AUBN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.15, AUBN pays a better dividend. On top of this AUBN pays more dividend than 87.08% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, AUBN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.48% |
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
5.3 Sustainability
56.65% 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.
DP56.65%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:AUBN (12/4/2025, 8:05:05 PM)
24.0001
-1.09 (-4.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners10.87%
Inst Owner Change15.05%
Ins Owners25.21%
Ins Owner Change0.21%
Market Cap83.76M
Revenue(TTM)32.14M
Net Income(TTM)6.65M
Analysts0
Price TargetN/A
Short Float %0.12%
Short Ratio2.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.48% |
Yearly Dividend1.08
Dividend Growth(5Y)1.67%
DP56.65%
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 | 11.71 | ||
| Fwd PE | N/A | ||
| P/S | 2.67 | ||
| P/FCF | 9.51 | ||
| P/OCF | 8.87 | ||
| P/B | 0.97 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.05
EY8.54%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.52
FCFY10.51%
OCF(TTM)2.71
OCFY11.27%
SpS8.99
BVpS24.66
TBVpS24.43
PEG (NY)N/A
PEG (5Y)N/A
Graham Number33.73
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) | 21.2% | ||
| GM | N/A | ||
| FCFM | 28.06% |
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 | 30.93% | ||
| Cap/Sales | 2.04% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 132.33% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC19.01%
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)726.45%
EPS 3Y-6.91%
EPS 5Y-7.61%
EPS Q2Q%27.4%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)37.26%
Revenue growth 3Y2.66%
Revenue growth 5Y-0.61%
Sales Q2Q%9.96%
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-21.04%
FCF growth 3YN/A
FCF growth 5Y-0.72%
OCF growth 1Y-33.41%
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 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.
What are the PE and PB ratios of AUBURN NATL BANCORPORATION (AUBN) stock?
The Price/Earnings (PE) ratio for AUBURN NATL BANCORPORATION (AUBN) is 11.71 and the Price/Book (PB) ratio is 0.97.
What is the financial health of AUBURN NATL BANCORPORATION (AUBN) stock?
The financial health rating of AUBURN NATL BANCORPORATION (AUBN) is 4 / 10.