AUBN Fundamental Analysis - AUBURN NATL BANCORPORATION

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to AUBN. AUBN was compared to 392 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.

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1. Profitability

1.1 Basic Checks

In the past year AUBN was profitable.

AUBN had a positive operating cash flow in the past year.

Each year in the past 5 years AUBN has been profitable.

Each year in the past 5 years AUBN had a positive operating cash flow.

1.2 Ratios

AUBN's Return On Assets of 0.65% is on the low side compared to the rest of the industry. AUBN is outperformed by 66.33% of its industry peers.

AUBN has a Return On Equity of 7.73%. This is comparable to the rest of the industry: AUBN outperforms 44.64% 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

The Profit Margin of AUBN (21.21%) is comparable to the rest of the industry.

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)	21.21%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

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

WACC17.85%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 970.17% over the past year.

The Earnings Per Share has been decreasing by -7.61% on average over the past years.

AUBN shows a strong growth in Revenue. In the last year, the Revenue has grown by 36.90%.

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)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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.47 indicates a correct valuation of AUBN.

Based on the Price/Earnings ratio, AUBN is valued a bit more expensive than 62.76% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.32. AUBN is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	14.47
Fwd PE	N/A

4.2 Price Multiples

62.24% 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	10.89
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

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.00%, AUBN is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.52, AUBN pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.42, AUBN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4%

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

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

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AUBURN NATL BANCORPORATION

NASDAQ:AUBN (9/26/2025, 8:00:00 PM)

27.495

+0.05 (+0.2%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-29 2025-07-29

Earnings (Next)10-20 2025-10-20

Inst Owners10.87%

Inst Owner Change8.95%

Ins Owners25.21%

Ins Owner Change0.33%

Market Cap95.96M

Analysts0

Price TargetN/A

Short Float %0.11%

Short Ratio1.16

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4%

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 Rank	Sector Rank
PE	14.47
Fwd PE	N/A
P/S	3.06
P/FCF	10.89
P/OCF	10.16
P/B	1.11
P/tB	1.13
EV/EBITDA	N/A

EPS(TTM)1.9

EY6.91%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.52

FCFY9.18%

OCF(TTM)2.71

OCFY9.84%

SpS8.99

BVpS24.66

TBVpS24.43

PEG (NY)N/A

PEG (5Y)N/A

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)	21.21%
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 Rank	Sector 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

WACC17.85%

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%

AUBURN NATL BANCORPORATION (AUBN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens