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AUBURN NATL BANCORPORATION (AUBN) Stock Fundamental Analysis

NASDAQ:AUBN - US0504731078 - Common Stock

25.8077 USD
+0.86 (+3.44%)
Last: 8/29/2025, 8:07:15 PM
Fundamental Rating

3

Taking everything into account, AUBN scores 3 out of 10 in our fundamental rating. AUBN was compared to 395 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.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

AUBN had positive earnings in the past year.
In the past year AUBN had a positive cash flow from operations.
AUBN had positive earnings in each of the past 5 years.
In the past 5 years AUBN always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M 10M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.65%, AUBN is doing worse than 66.16% of the companies in the same industry.
AUBN's Return On Equity of 7.73% is in line compared to the rest of the industry. AUBN outperforms 45.20% of its industry peers.
Industry RankSector 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
AUBN Yearly ROA, ROE, ROICAUBN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

AUBN's Profit Margin of 21.21% is in line compared to the rest of the industry. AUBN outperforms 40.40% of its industry peers.
AUBN's Profit Margin has declined in the last couple of years.
AUBN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
AUBN Yearly Profit, Operating, Gross MarginsAUBN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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4

2. Health

2.1 Basic Checks

AUBN does not have a ROIC to compare to the WACC, probably because it is not profitable.
AUBN has about the same amout of shares outstanding than it did 1 year ago.
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.
AUBN Yearly Shares OutstandingAUBN Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

AUBN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC18.46%
AUBN Yearly LT Debt VS Equity VS FCFAUBN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M

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2

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.
AUBN shows a strong growth in Revenue. In the last year, the Revenue has grown by 36.90%.
AUBN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.61% yearly.
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.
AUBN Yearly Revenue VS EstimatesAUBN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.58 indicates a correct valuation of AUBN.
Compared to the rest of the industry, the Price/Earnings ratio of AUBN is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.13, AUBN is valued a bit cheaper.
Industry RankSector Rank
PE 13.58
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

AUBN's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. AUBN is cheaper than 69.70% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.23
EV/EBITDA N/A
AUBN Per share dataAUBN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.45%, AUBN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.17, AUBN pays a better dividend. On top of this AUBN pays more dividend than 86.11% of the companies listed in the same industry.
AUBN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 4.45%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.67%
Div Incr Years0
Div Non Decr Years29
AUBN Yearly Dividends per shareAUBN Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

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
AUBN Yearly Income VS Free CF VS DividendAUBN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M 10M
AUBN Dividend Payout.AUBN Dividend Payout, showing the Payout Ratio.AUBN Dividend Payout.PayoutRetained Earnings

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AUBURN NATL BANCORPORATION

NASDAQ:AUBN (8/29/2025, 8:07:15 PM)

25.8077

+0.86 (+3.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-29 2025-07-29
Earnings (Next)10-20 2025-10-20
Inst Owners10.02%
Inst Owner Change8.95%
Ins Owners25.21%
Ins Owner Change0.32%
Market Cap90.07M
Analysts0
Price TargetN/A
Short Float %0.29%
Short Ratio2.47
Dividend
Industry RankSector Rank
Dividend Yield 4.45%
Yearly Dividend1.08
Dividend Growth(5Y)1.67%
DP56.68%
Div Incr Years0
Div Non Decr Years29
Ex-Date09-10 2025-09-10 (0.27)
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 13.58
Fwd PE N/A
P/S 2.87
P/FCF 10.23
P/OCF 9.53
P/B 1.05
P/tB 1.06
EV/EBITDA N/A
EPS(TTM)1.9
EY7.36%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.52
FCFY9.78%
OCF(TTM)2.71
OCFY10.49%
SpS8.99
BVpS24.66
TBVpS24.43
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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
WACC18.46%
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%