A Business at a Glance
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AUBURN NATIONAL BANCORPORATION, INC
AUBN
$93M
Mkt Cap
$26.62
+2.23%
AUBURN NATIONAL BANCORPORATION, INC (AUBN) has a current P/E ratio of 14.5, compared to its historical median P/E of 12.5. The stock is currently considered Fair based on its historical valuation range.
AUBURN NATIONAL BANCORPORATION, INC (AUBN) has a 5-year average return on invested capital (ROIC) of 7.7%. This is below average and may indicate limited pricing power.
AUBURN NATIONAL BANCORPORATION, INC (AUBN) has a market capitalization of $93M. It is classified as a small-cap stock.
Yes, AUBURN NATIONAL BANCORPORATION, INC (AUBN) pays a dividend with a trailing twelve-month yield of 4.06%.
Based on historical P/E analysis, AUBURN NATIONAL BANCORPORATION, INC (AUBN) appears fair. The current P/E of 14.5 is 17% above its historical median of 12.5. The estimated fair value CAGR (P/E method) is -10.6%.
AUBURN NATIONAL BANCORPORATION, INC (AUBN) operates in the State Commercial Banks industry, within the Financials sector.
Auburn National Bancorporation, Inc. (the “Company”) is a bank holding company registered with the Board of Governors of the Federal Reserve System (the “Federal Reserve”) under the Bank Holding Company Act of 1956, as amended (the “BHC Act”). The Company was incorporated in Delaware in 1990, and in 1994 it succeeded its Alabama predecessor as the bank holding company controlling AuburnBank, an Alabama state member bank with its principal office in Auburn, Alabama (the “Bank”). The Company and its predecessor have controlled the Bank since 1984. As a bank holding company, the Company may diversify into a broader range of financial services and other business activities than are permitted to the Bank under applicable laws and regulations.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 44M | 44M | 42M | 31M | 36M | 31M |
| Net Income | 7.3M | 7.3M | 6.4M | 1.4M | 10M | 8.0M |
| EPS | $2.08 | $2.08 | $1.83 | $0.40 | $2.95 | $2.27 |
| Free Cash Flow | 11M | 11M | 8.7M | 11M | 3.9M | -7.9M |
| ROIC | 0.7% | 8.5% | 8.3% | 1.9% | 12.0% | 7.6% |
| Gross Margin | 73.3% | 73.3% | 72.4% | 73.9% | 90.6% | 89.9% |
| Debt/Equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividends/Share | $1.08 | $1.08 | $1.08 | $1.08 | $1.06 | $1.04 |
| Operating Income | 9.2M | 9.2M | 8.4M | 618K | 13M | 9.4M |
| Operating Margin | 21.0% | 21.0% | 19.9% | 2.0% | 35.6% | 30.7% |
| ROE | 7.9% | 8.5% | 8.3% | 1.9% | 12.0% | 7.6% |
| Shares Outstanding | 3M | 3M | 3M | 3M | 4M | 4M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 31M | 32M | 30M | 32M | 33M | 36M | 34M | 31M | 36M | 31M | 42M | 44M | 44M |
| Gross Margin | 82.4% | 85.4% | 84.9% | 87.7% | 88.7% | 87.6% | 85.2% | 89.9% | 90.6% | 73.9% | 72.4% | 73.3% | 73.3% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 8.9M | 9.3M | 9.8M | 10M | 11M | 12M | 11M | 12M | 12M | 12M | 13M | 13M | 13M |
| EBIT | 10M | 11M | 11M | 11M | 11M | 12M | 9.1M | 9.4M | 13M | 618K | 8.4M | 9.2M | 9.2M |
| Op. Margin | 33.3% | 33.7% | 37.3% | 36.4% | 33.8% | 33.9% | 27.0% | 30.7% | 35.6% | 2.0% | 19.9% | 21.0% | 21.0% |
| Net Income | 7.4M | 7.9M | 8.1M | 7.8M | 8.8M | 9.7M | 7.5M | 8.0M | 10M | 1.4M | 6.4M | 7.3M | 7.3M |
| Net Margin | 24.2% | 24.8% | 27.0% | 24.9% | 27.1% | 27.3% | 22.2% | 26.1% | 28.7% | 4.4% | 15.2% | 16.5% | 16.5% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 103K | 0 | 3.2M | -6.3M | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 9.0% | 9.0% | 9.4% | 8.9% | 9.7% | 10.2% | 7.2% | 7.6% | 12.0% | 1.9% | 8.3% | 8.5% | 0.7% |
| ROE | 10.6% | 10.1% | 10.1% | 9.3% | 10.0% | 10.4% | 7.2% | 7.6% | 12.0% | 1.9% | 8.3% | 8.5% | 7.9% |
| ROA | 1.0% | 1.0% | 1.0% | 0.9% | 1.1% | 1.2% | 0.8% | 0.8% | 1.0% | 0.1% | 0.7% | 0.7% | 0.7% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 11M | 11M | 10M | 9.4M | 12M | 11M | 9.7M | 12M | 11M | 12M | 11M | 12M | 12M |
| Free Cash Flow | 9.8M | 9.3M | 9.3M | 7.8M | 12M | 9.0M | 1.4M | -7.9M | 3.9M | 11M | 8.7M | 11M | 11M |
| Owner Earnings | 9.8M | 9.7M | 9.3M | 8.4M | 11M | 9.7M | 8.1M | 11M | 9.5M | 10M | 8.9M | 10M | 10M |
| CapEx | 744K | 1.5M | 1.2M | 1.6M | 240K | 1.8M | 8.4M | 20M | 7.0M | 418K | 2.1M | 1.5M | 1.5M |
| Maint. CapEx | 780K | 1.2M | 1.2M | 1.0M | 938K | 1.2M | 1.7M | 1.2M | 1.5M | 1.7M | 1.9M | 2.1M | 2.1M |
| Growth CapEx | 0 | 368K | 6K | 602K | 0 | 652K | 6.7M | 19M | 5.5M | 0 | 156K | 0 | 0 |
| D&A | 780K | 1.2M | 1.2M | 1.0M | 938K | 1.2M | 1.7M | 1.2M | 1.5M | 1.7M | 1.9M | 2.1M | 2.1M |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 163.8% | 64.2% | 3.5% | 19.3% | N/A | 12.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 3.1M | 3.2M | 3.3M | 3.4M | 3.5M | 3.6M | 3.6M | 3.7M | 3.7M | 3.8M | 3.8M | 3.8M | 3.8M |
| Dividend Yield | 5.3% | 4.9% | 4.5% | 3.6% | 3.0% | 3.3% | 2.8% | 3.5% | 4.4% | 5.6% | 5.8% | N/A | 4.1% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 2.7M | 0 | 1.6M | 504K | 229K | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | 1.8% | N/A | 1.7% | 0.7% | 0.3% | N/A | 0.0% | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 62K | 62K |
| Debt Repayment | 0 | 5.4M | 3.2M | 0 | 3.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -620K | -2.6M | -12M | 19M | 44M | -27M | -448M | -578M | -432M | -342M | -336M | -381M | -148M |
| Cash & Equiv. | 13M | 9.8M | 16M | -16M | -40M | 27M | 113M | 156M | 27M | 71M | 93M | 148M | 148M |
| Long-Term Debt | 12M | 7.2M | 3.2M | 3.2M | 3.2M | 0 | N/A | N/A | N/A | N/A | N/A | N/A | 2K |
| Debt/Equity | 0.16 | 0.09 | 0.04 | 0.04 | 0.04 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.8 |
| Equity | 76M | 80M | 82M | 87M | 89M | 98M | 108M | 104M | 68M | 77M | 78M | 92M | 92M |
| Total Assets | 789M | 817M | 832M | 853M | 818M | 828M | 957M | 1.1B | 1.0B | 975M | 977M | 1.0B | 1.0B |
| Total Liabilities | 713M | 737M | 750M | 766M | 729M | 730M | 849M | 1.0B | 956M | 899M | 899M | 927M | 927M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 76M | 81M | 86M | 90M | 96M | 102M | 106M | 110M | 117M | 113M | 116M | 119M | 119M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 2.04 | 2.16 | 2.24 | 2.15 | 2.42 | 2.72 | 2.09 | 2.27 | 2.95 | 0.40 | 1.83 | 2.08 | 2.08 |
| Owner EPS | 2.67 | 2.66 | 2.55 | 2.30 | 3.07 | 2.71 | 2.26 | 3.13 | 2.70 | 2.93 | 2.54 | 2.92 | 2.92 |
| Book Value | 20.76 | 21.98 | 22.59 | 23.81 | 24.40 | 27.46 | 30.19 | 29.29 | 19.40 | 21.94 | 22.40 | 26.39 | 26.39 |
| Cash Flow/Share | 2.88 | 2.98 | 2.88 | 2.58 | 3.33 | 3.03 | 2.73 | 3.48 | 3.13 | 3.41 | 3.09 | 3.54 | 2.69 |
| Dividends/Share | 0.86 | 0.88 | 0.90 | 0.92 | 0.96 | 0.96 | 1.02 | 1.04 | 1.06 | 1.08 | 1.08 | 1.08 | 1.08 |
| Shares Out. | 3.7M | 3.6M | 3.6M | 3.6M | 3.7M | 3.6M | 3.6M | 3.5M | 3.5M | 3.5M | 3.5M | 3.5M | 3.5M |
| Valuation | |||||||||||||
| P/E Ratio | 7.8 | 9.7 | 9.9 | 14.1 | 9.7 | 15.6 | 16.2 | 11.6 | 7.2 | 48.3 | 12.5 | N/A | 12.8 |
| P/FCF | 5.9 | 8.2 | 8.7 | 14.2 | 7.2 | 16.8 | 88.2 | N/A | 19.0 | 5.9 | 9.2 | N/A | 8.5 |
| EV/EBIT | 4.5 | 5.5 | 5.5 | 7.5 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -6.0 |
| Price/Book | 0.8 | 1.0 | 1.0 | 1.3 | 1.0 | 1.5 | 1.1 | 0.9 | 1.1 | 0.9 | 1.0 | N/A | 1.0 |
| Price/Sales | 2.3 | 2.4 | 2.8 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2.1 |
| FCF Yield | 16.9% | 12.2% | 11.5% | 7.1% | 13.9% | 5.9% | 1.1% | -8.4% | 5.3% | 17.0% | 10.9% | N/A | 11.7% |
| Market Cap | 58M | 76M | 80M | 110M | 85M | 152M | 121M | 93M | 74M | 67M | 80M | 0 | 93M |
| Avg. Price | 16.31 | 17.92 | 20.23 | 25.60 | 31.44 | 29.89 | 36.71 | 29.72 | 23.91 | 19.42 | 18.60 | 0.00 | 26.62 |
| Year-End Price | 15.86 | 21.02 | 22.09 | 30.22 | 23.40 | 42.46 | 33.94 | 26.56 | 21.30 | 19.28 | 22.84 | 0.00 | 26.62 |
AUBURN NATIONAL BANCORPORATION, INC passes 3 of 9 quality checks, indicating weak fundamentals.
AUBURN NATIONAL BANCORPORATION, INC trades at 14.5x trailing earnings, compared to its 15-year median P/E of 12.5x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 10.7x vs a median of 11.7x. The company's 5-year average ROIC is 7.7% with a gross margin of 80.0%. Total shareholder yield (dividends) is 4.1%. At current prices, the estimated annualized return to fair value is +0.5%.
AUBURN NATIONAL BANCORPORATION, INC (AUBN) reported annual revenue of $44 million in its most recent fiscal year, based on SEC EDGAR filings.
AUBURN NATIONAL BANCORPORATION, INC (AUBN) has a net profit margin of 16.5%. This is a healthy margin.
AUBURN NATIONAL BANCORPORATION, INC (AUBN) generated $11 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
AUBURN NATIONAL BANCORPORATION, INC (AUBN) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
AUBURN NATIONAL BANCORPORATION, INC (AUBN) reported earnings per share (EPS) of $2.08 in its most recent fiscal year.
AUBURN NATIONAL BANCORPORATION, INC (AUBN) has a return on equity (ROE) of 8.5%. This indicates moderate shareholder returns.
AUBURN NATIONAL BANCORPORATION, INC (AUBN) has a 5-year average gross margin of 80.0%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for AUBURN NATIONAL BANCORPORATION, INC (AUBN), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
AUBURN NATIONAL BANCORPORATION, INC (AUBN) has a book value per share of $26.39, based on its most recent annual SEC filing.