24.47 USD
-0.18 (-0.73%)
Overall AUBN gets a fundamental rating of 3 out of 10. We evaluated AUBN against 383 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 is valued expensive and it does not seem to be growing. 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.
- Each year in the past 5 years AUBN had a positive operating cash flow.
1.2 Ratios
- AUBN has a worse Return On Assets (0.71%) than 65.27% of its industry peers.
- AUBN has a Return On Equity (7.98%) which is comparable to the rest of the industry.
| 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
- With a Profit Margin value of 22.25%, AUBN perfoms like the industry average, outperforming 40.73% of the companies in the same industry.
- 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 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.
- The number of shares outstanding for AUBN remains at a similar level compared to 1 year ago.
- Compared to 5 years ago, AUBN has less shares outstanding
- 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
WACC18.94%
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.
- 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 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 11.94 indicates a reasonable 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 (27.30), we can say AUBN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.94 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- 78.85% 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 | 8.02 | ||
| 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 4.17%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.90, AUBN pays a better dividend. On top of this AUBN pays more dividend than 80.42% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.92, AUBN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.17% |
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 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
- 52.76% of the earnings are spent on dividend by AUBN. 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.
DP52.76%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:AUBN (1/13/2026, 8:00:01 PM)
24.47
-0.18 (-0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2025-10-28
Earnings (Next)02-02 2026-02-02
Inst Owners12.48%
Inst Owner Change0%
Ins Owners11.62%
Ins Owner Change0.22%
Market Cap85.40M
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 | 4.17% |
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 | 11.94 | ||
| Fwd PE | N/A | ||
| P/S | 2.66 | ||
| P/FCF | 8.02 | ||
| P/OCF | 7.33 | ||
| P/B | 0.95 | ||
| P/tB | 0.96 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.05
EY8.38%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.05
FCFY12.46%
OCF(TTM)3.34
OCFY13.64%
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
WACC18.94%
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 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 3 / 10.
Can you provide the PE and PB ratios for AUBN stock?
The Price/Earnings (PE) ratio for AUBURN NATL BANCORPORATION (AUBN) is 11.94 and the Price/Book (PB) ratio is 0.95.
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%.