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Auburn National Bancorporation NasdaqGM:AUBN Stock Report

Last Price


Market Cap







03 Jul, 2022


Company Financials
AUBN fundamental analysis
Snowflake Score
Future Growth0/6
Past Performance3/6
Financial Health6/6

AUBN Stock Overview

Auburn National Bancorporation, Inc. operates as the bank holding company for AuburnBank that provides various banking products and services in East Alabama.

Auburn National Bancorporation Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Auburn National Bancorporation
Historical stock prices
Current Share PriceUS$27.55
52 Week HighUS$37.11
52 Week LowUS$26.60
1 Month Change-8.14%
3 Month Change-15.54%
1 Year Change-22.09%
3 Year Change-17.47%
5 Year Change-24.21%
Change since IPO335.00%

Recent News & Updates

Shareholder Returns

AUBNUS BanksUS Market

Return vs Industry: AUBN underperformed the US Banks industry which returned -18.3% over the past year.

Return vs Market: AUBN matched the US Market which returned -21.2% over the past year.

Price Volatility

Is AUBN's price volatile compared to industry and market?
AUBN volatility
AUBN Average Weekly Movement4.2%
Banks Industry Average Movement3.8%
Market Average Movement8.1%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market3.3%

Stable Share Price: AUBN is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: AUBN's weekly volatility (4%) has been stable over the past year.

About the Company

1907152Bob Dumas

Auburn National Bancorporation, Inc. operates as the bank holding company for AuburnBank that provides various banking products and services in East Alabama. The company’s deposit products include checking, savings, and transaction deposit accounts, as well as certificates of deposit. It also provides commercial, financial, agricultural, real estate construction, and consumer loan products; and other financial services.

Auburn National Bancorporation Fundamentals Summary

How do Auburn National Bancorporation's earnings and revenue compare to its market cap?
AUBN fundamental statistics
Market CapUS$96.86m
Earnings (TTM)US$8.11m
Revenue (TTM)US$29.00m


P/E Ratio


P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
AUBN income statement (TTM)
Cost of RevenueUS$0
Gross ProfitUS$29.00m
Other ExpensesUS$20.88m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date


Earnings per share (EPS)2.31
Gross Margin100.00%
Net Profit Margin27.98%
Debt/Equity Ratio4.6%

How did AUBN perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio
We’ve recently updated our valuation analysis.


Is AUBN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score


Valuation Score 3/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for AUBN?

Other financial metrics that can be useful for relative valuation.

AUBN key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does AUBN's PE Ratio compare to its peers?

AUBN PE Ratio vs Peers
The above table shows the PE ratio for AUBN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average48.5x
INBC InBankshares
JDVB JD Bancshares
FFDF FFD Financial
AUBN Auburn National Bancorporation

Price-To-Earnings vs Peers: AUBN is good value based on its Price-To-Earnings Ratio (11.9x) compared to the peer average (48.5x).

Price to Earnings Ratio vs Industry

How does AUBN's PE Ratio compare vs other companies in the US Banks Industry?

Price-To-Earnings vs Industry: AUBN is expensive based on its Price-To-Earnings Ratio (11.9x) compared to the US Banks industry average (9.5x)

Price to Earnings Ratio vs Fair Ratio

What is AUBN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

AUBN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11.9x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate AUBN's Price-To-Earnings Fair Ratio for valuation analysis.

Share Price vs Fair Value

What is the Fair Price of AUBN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: AUBN ($27.55) is trading below our estimate of fair value ($36.86)

Significantly Below Fair Value: AUBN is trading below fair value by more than 20%.

Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate AUBN's PEG Ratio to determine if it is good value.

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Future Growth

How is Auburn National Bancorporation forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score


Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


Forecasted Banks industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Auburn National Bancorporation has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.

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  • Examine whether Auburn National Bancorporation is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.

Past Performance

How has Auburn National Bancorporation performed over the past 5 years?

Past Performance Score


Past Performance Score 3/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: AUBN has high quality earnings.

Growing Profit Margin: AUBN's current net profit margins (28%) are higher than last year (26.7%).

Past Earnings Growth Analysis

Earnings Trend: AUBN's earnings have declined by 0.1% per year over the past 5 years.

Accelerating Growth: AUBN's earnings growth over the past year (5.9%) exceeds its 5-year average (-0.1% per year).

Earnings vs Industry: AUBN earnings growth over the past year (5.9%) underperformed the Banks industry 20.8%.

Return on Equity

High ROE: AUBN's Return on Equity (9.4%) is considered low.

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Financial Health

How is Auburn National Bancorporation's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score


Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: AUBN's Assets to Equity ratio (12.8x) is moderate.

Allowance for Bad Loans: AUBN has a sufficient allowance for bad loans (1256%).

Low Risk Liabilities: 99% of AUBN's liabilities are made up of primarily low risk sources of funding.

Loan Level: AUBN has an appropriate level of Loans to Assets ratio (38%).

Low Risk Deposits: AUBN's Loans to Deposits ratio (42%) is appropriate.

Level of Bad Loans: AUBN has an appropriate level of bad loans (0.1%).

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What is Auburn National Bancorporation current dividend yield, its reliability and sustainability?

Dividend Score


Dividend Score 4/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: AUBN's dividend (3.85%) is higher than the bottom 25% of dividend payers in the US market (1.6%).

High Dividend: AUBN's dividend (3.85%) is low compared to the top 25% of dividend payers in the US market (4.25%).

Stability and Growth of Payments

Stable Dividend: AUBN's dividends per share have been stable in the past 10 years.

Growing Dividend: AUBN's dividend payments have increased over the past 10 years.

Current Payout to Shareholders

Earnings Coverage: With its reasonably low payout ratio (45.5%), AUBN's dividend payments are well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.

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How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Bob Dumas (68 yo)





Mr. Robert W. Dumas also known as Bob, as the Chairman of Auburn National Bancorporation, Inc. since January 2020. He has served as Chief Executive Officer of AuburnBank since 2001. Mr. Dumas has served as...

CEO Compensation Analysis

Compensation vs Market: Bob's total compensation ($USD453.16K) is below average for companies of similar size in the US market ($USD799.15K).

Compensation vs Earnings: Bob's compensation has been consistent with company performance over the past year.

Leadership Team

Experienced Management: AUBN's management team is seasoned and experienced (8.4 years average tenure).

Board Members

Experienced Board: AUBN's board of directors are seasoned and experienced ( 18.5 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: AUBN insiders have bought more shares than they have sold in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

Auburn National Bancorporation, Inc.'s employee growth, exchange listings and data sources

Key Information

  • Name: Auburn National Bancorporation, Inc.
  • Ticker: AUBN
  • Exchange: NasdaqGM
  • Founded: 1907
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$96.860m
  • Shares outstanding: 3.52m
  • Website:

Number of Employees


  • Auburn National Bancorporation, Inc.
  • 132 North Gay Street
  • Auburn
  • Alabama
  • 36830
  • United States


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/07/03 00:00
End of Day Share Price2022/07/01 00:00
Annual Earnings2021/12/31

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.