24.845 USD
+0.84 (+3.52%)
Overall AUBN gets a fundamental rating of 3 out of 10. We evaluated AUBN against 387 industry peers in the Banks industry. The financial health of AUBN is average, but there are quite some concerns on its profitability. 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
In the past year AUBN was profitable.
In the past year AUBN had a positive cash flow from operations.
AUBN had positive earnings in each of the past 5 years.
Each year in the past 5 years AUBN had a positive operating cash flow.
1.2 Ratios
AUBN has a worse Return On Assets (0.65%) than 68.22% of its industry peers.
AUBN has a worse Return On Equity (7.73%) than 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.
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) | 21.2% | ||
| 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
WACC18.71%
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.
AUBN shows a strong growth in Revenue. In the last year, the Revenue has grown by 37.26%.
Measured over the past years, AUBN shows a decrease in Revenue. The Revenue has been decreasing by -0.61% on average per year.
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
A Price/Earnings ratio of 12.12 indicates a correct valuation of AUBN.
AUBN's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.46. AUBN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.12 | ||
| 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 | 9.85 | ||
| 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.
AUBN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| 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 been paying a dividend for at least 10 years, so it has 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
5.3 Sustainability
AUBN pays out 56.65% of its income as dividend. 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 (12/5/2025, 8:03:53 PM)
24.845
+0.84 (+3.52%)
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 Cap86.71M
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 | 12.12 | ||
| Fwd PE | N/A | ||
| P/S | 2.76 | ||
| P/FCF | 9.85 | ||
| P/OCF | 9.18 | ||
| P/B | 1.01 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.05
EY8.25%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.52
FCFY10.15%
OCF(TTM)2.71
OCFY10.89%
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
WACC18.71%
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 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 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 12.12 and the Price/Book (PB) ratio is 1.01.
What is the financial health of AUBURN NATL BANCORPORATION (AUBN) stock?
The financial health rating of AUBURN NATL BANCORPORATION (AUBN) is 4 / 10.