26.25 USD
-0.7 (-2.6%)
AUBN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. While AUBN seems to be doing ok healthwise, there are quite some concerns on its profitability. AUBN is valued expensive and it does not seem to be growing. 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.
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.
1.2 Ratios
With a Return On Assets value of 0.71%, AUBN is not doing good in the industry: 65.12% of the companies in the same industry are doing better.
AUBN has a Return On Equity (7.98%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 7.98% | ||
| 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 (22.25%) which is in line with 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) | 22.25% | ||
| 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.
AUBN has about the same amout of shares outstanding than it did 1 year ago.
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
AUBN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.26%
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 726.45% over the past year.
The Earnings Per Share has been decreasing by -7.61% on average over the past years.
Looking at the last year, AUBN shows a very strong growth in Revenue. The Revenue has grown by 37.26%.
AUBN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.61% yearly.
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 12.80 indicates a correct valuation of AUBN.
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 (26.60), we can say AUBN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.8 | ||
| 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 75.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.61 | ||
| 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 4.01%, which is a nice return.
Compared to an average industry Dividend Yield of 2.78, AUBN pays a better dividend. On top of this AUBN pays more dividend than 81.91% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.94, AUBN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.01% |
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
AUBN pays out 52.76% 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.
DP52.76%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:AUBN (1/2/2026, 8:00:01 PM)
26.25
-0.7 (-2.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners12.48%
Inst Owner Change0%
Ins Owners11.62%
Ins Owner Change0.22%
Market Cap91.61M
Revenue(TTM)32.14M
Net Income(TTM)7.15M
Analysts0
Price TargetN/A
Short Float %0.15%
Short Ratio2.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.01% |
Yearly Dividend1.08
Dividend Growth(5Y)1.67%
DP52.76%
Div Incr Years0
Div Non Decr Years29
Ex-DateN/A
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 | 12.8 | ||
| Fwd PE | N/A | ||
| P/S | 2.85 | ||
| P/FCF | 8.61 | ||
| P/OCF | 7.87 | ||
| P/B | 1.02 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.05
EY7.81%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.05
FCFY11.62%
OCF(TTM)3.34
OCFY12.71%
SpS9.21
BVpS25.68
TBVpS25.45
PEG (NY)N/A
PEG (5Y)N/A
Graham Number34.41
Profitability
| Industry Rank | Sector 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)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 | 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
WACC18.26%
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-5.47%
FCF growth 3YN/A
FCF growth 5Y-0.72%
OCF growth 1Y-9.98%
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 of AUBURN NATL BANCORPORATION (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.
Can you provide the PE and PB ratios for AUBN stock?
The Price/Earnings (PE) ratio for AUBURN NATL BANCORPORATION (AUBN) is 12.8 and the Price/Book (PB) ratio is 1.02.
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%.