Auburn National Bancorporation, Inc (AUBN) stock analysis
Close on Nov 12, 2026Market cap $90.35MP/E –Yield 4.17%
StockData Score
Prices as of Nov 12, 2026How the score works
Weak6 of 30 checks passed
Auburn National Bancorporation passes 6 of the 30 checks behind our score; 19 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 1/6
- Growth
- 0/6
- Past performance
- 0/6
- Financial health
- 2/6
- Dividend
- 3/6
What stands out
Dividend not cut
The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.
Well capitalized
Equity is 8.8% of total assets; 8% or more is a comfortable cushion.
P/B below the industry
Auburn National Bancorporation's price-to-book of 1.01 is below the Commercial Banks median of 1.28.
Deposits growing
Deposits grew 0.7% over the past year.
What to watch
Revenue growing under 10% a year
Revenue grew 1.2% a year over the last three fiscal years, short of the 10% we look for.
P/S above the industry
Auburn National Bancorporation's price-to-sales of 145.25 is above the Commercial Banks median of 3.61.
Growing slower than the industry
Revenue grew 1.6% over the last twelve months; the Commercial Banks median is 11.3%.
High cost base
Non-interest expense takes 67.3% of revenue; under 60% is efficient for a bank.
Valuation1/6
P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
P/S above the industry
Auburn National Bancorporation's price-to-sales of 145.25 is above the Commercial Banks median of 3.61.
P/B below the industry
Auburn National Bancorporation's price-to-book of 1.01 is below the Commercial Banks median of 1.28.
Price against fair value
We could not estimate a fair value: it needs at least two valuation methods with positive inputs.
Margin of safety
Depends on the fair value estimate.
Growth0/6
Revenue growing under 10% a year
Revenue grew 1.2% a year over the last three fiscal years, short of the 10% we look for.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing slower than the industry
Revenue grew 1.6% over the last twelve months; the Commercial Banks median is 11.3%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.
Past performance0/6
Return on equity
Needs positive equity and five years of results.
Return on assets
Needs net income and total assets.
Return on equity against the industry
Needs positive equity.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin against its history
Needs five years of revenue and net income.
Net margin against the industry
Needs revenue and net income.
Financial health2/6
Well capitalized
Equity is 8.8% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Needs loans and deposits.
Adequate loan-loss reserve
The allowance for credit losses is not reported.
High cost base
Non-interest expense takes 67.3% of revenue; under 60% is efficient for a bank.
Deposits growing
Deposits grew 0.7% over the past year.
Borrowings
Needs debt and equity figures.
Dividend3/6
Pays a dividend
Auburn National Bancorporation paid dividends worth 4.2% of the share price over the last twelve months.
Yield below Treasuries
The 4.2% yield is below the 4.6% on a 1-year Treasury.
Yield in the top quarter
The top quarter of US dividend payers yield 3.9% or more; Auburn National Bancorporation yields 4.2%.
Dividend not cut
The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.
Earnings cover
Needs dividends paid and net income.
Cash-flow cover
Needs dividends paid and free cash flow.
Fair value
How we estimate itWe don't publish a fair value for Auburn National Bancorporation. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/B at month end
- Commercial Banks median 1.3
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
High risk
- Average value traded per day
- $46.59K
- Value traded per 1% price move
- $13.95K
Downside
Low risk
- Typical loss in a bad month
- 9.8%
- Volatility (annualized)
- 37%
- Sharpe ratio, 1 year
- -0.09
- Beta to the S&P 500 (5Y)
- 0.04
Typical bad-month loss, week by week
Margins need revenue and profit figures
This company does not report the lines needed to calculate margins.
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +0.8% | +1.2% | +1.1% | -31.5% | |
| EPS, diluted | +13.7% | – | -0.1% | -0.4% | |
| Free cash flow | +24.6% | +40.3% | – | – | |
| Dividend per share | 0.0% | +0.6% | +1.1% | +2.1% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Capex to revenue | – | – | 239.9% | |
| Diluted shares | – | 4M | 3M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Auburn National Bancorporation generated $58.36M from operations and spent $33.57M on capital expenditure, dividends and share buybacks. 93% of that went back into the business.
DuPont needs revenue, assets and equity
This company does not report all three for consecutive years.
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero–
- Cash generatingOperating cash flow above zero$12.35M
- Return on assets improvedROA up on the prior year– → –
- Earnings backed by cashOperating cash flow above net income$12.35M vs –
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise3M → 3M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.00 → 0.00
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