NasdaqGM:AUBN

Stock Analysis Report

Auburn National Bancorporation

Executive Summary

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

Snowflake

Fundamentals

Flawless balance sheet average dividend payer.

Risks

  • Auburn National Bancorporation is not covered by any analysts.

Similar Companies

Share Price & News

How has Auburn National Bancorporation's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.4%

NasdaqGM:AUBN

-2.6%

US Banks

-1.0%

US Market


1 Year Return

-15.6%

NasdaqGM:AUBN

-14.2%

US Banks

-0.4%

US Market

AUBN underperformed the Banks industry which returned -14.2% over the past year.

AUBN underperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

AUBNIndustryMarket
7 Day-0.4%-2.6%-1.0%
30 Day7.6%-6.3%-3.3%
90 Day4.3%-3.5%0.8%
1 Year-13.3%-15.6%-11.8%-14.2%1.9%-0.4%
3 Year48.8%37.3%42.2%32.4%39.4%30.4%
5 Year90.7%64.4%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is Auburn National Bancorporation's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Auburn National Bancorporation undervalued based on future cash flows and its price relative to the stock market?

15.41x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Auburn National Bancorporation's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Auburn National Bancorporation's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Auburn National Bancorporation is overvalued based on earnings compared to the US Banks industry average.

Auburn National Bancorporation is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Auburn National Bancorporation, we can't assess if its growth is good value.


Price Based on Value of Assets

Auburn National Bancorporation is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

4.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Auburn National Bancorporation is high growth as no revenue estimate data is available.

Auburn National Bancorporation's earnings are expected to grow by 4.2% yearly, however this is not considered high growth (20% yearly).

Unable to compare Auburn National Bancorporation's revenue growth to the United States of America market average as no estimate data is available.

Auburn National Bancorporation's earnings growth is positive but not above the United States of America market average.

Auburn National Bancorporation's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Auburn National Bancorporation will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

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

3.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Auburn National Bancorporation's year on year earnings growth rate has been positive over the past 5 years.

Auburn National Bancorporation's 1-year earnings growth exceeds its 5-year average (9.6% vs 3.8%)

Auburn National Bancorporation's earnings growth has not exceeded the US Banks industry average in the past year (9.6% vs 33.2%).


Return on Equity

Auburn National Bancorporation has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Auburn National Bancorporation used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Auburn National Bancorporation improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

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


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Auburn National Bancorporation has an acceptable proportion of non-loan assets held.

Auburn National Bancorporation has a sufficient allowance for bad loans.

Auburn National Bancorporation's liabilities are made up of primarily low risk sources of funding.

Auburn National Bancorporation's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Auburn National Bancorporation are broadly funded by customer deposits.

Auburn National Bancorporation has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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

2.55%

Current Dividend Yield


Dividend Yield and Payments Analysis

Auburn National Bancorporation's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Auburn National Bancorporation's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.6x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Auburn National Bancorporation's salary, the management and board of directors tenure and is there insider trading?

7.6yrs

Average management tenure


CEO

Bob Dumas (65yo)

1.8yrs

Tenure

US$478,303

Compensation

Mr. Robert W. Dumas also known as Bob, has served as Chief Executive Officer of AuburnBank (the “Bank”) since 2001. Mr. Dumas has served as a Director of Auburn National Bancorporation, Inc. (the “Company” ...


CEO Compensation Analysis

Bob's remuneration is about average for companies of similar size in United States of America.

Bob's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

7.6yrs

Average Tenure

62yo

Average Age

The average tenure for the Auburn National Bancorporation management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

15.6yrs

Average Tenure

67yo

Average Age

The average tenure for the Auburn National Bancorporation board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

More shares have been bought than sold by Auburn National Bancorporation individual insiders in the past 3 months, but not in substantial volumes.


Recent Insider Transactions

BuyUS$54216 Jul 19
C. Smith
EntityIndividual
Shares17
Max PriceUS$31.95
BuyUS$54316 Jul 19
Shannon O'Donnell
EntityIndividual
Shares17
Max PriceUS$31.95
BuyUS$19116 Jul 19
William Johnson
EntityIndividual
Role
Senior VP of Commercial & Consumer Lending and Senior Lending Officer of Auburn Bank
Shares6
Max PriceUS$31.89
BuyUS$1,43716 Jul 19
J. Barrett
EntityIndividual
Role
Member of the Board of Directors
Shares45
Max PriceUS$31.95
BuyUS$1,02216 Jul 19
David Housel
EntityIndividual
Role
Member of the Board of Directors
Shares32
Max PriceUS$31.95
BuyUS$1,08616 Jul 19
William Ham
EntityIndividual
Role
Member of the Board of Directors
Shares34
Max PriceUS$31.95
BuyUS$1,37316 Jul 19
Terry Andrus
EntityIndividual
Role
Member of the Board of Directors
Shares43
Max PriceUS$31.95
BuyUS$1,10309 Apr 19
William Ham
EntityIndividual
Role
Member of the Board of Directors
Shares29
Max PriceUS$38.17
BuyUS$1,33209 Apr 19
Terry Andrus
EntityIndividual
Role
Member of the Board of Directors
Shares35
Max PriceUS$38.17
BuyUS$1,44709 Apr 19
J. Barrett
EntityIndividual
Role
Member of the Board of Directors
Shares38
Max PriceUS$38.17
BuyUS$1,02809 Apr 19
David Housel
EntityIndividual
Role
Member of the Board of Directors
Shares27
Max PriceUS$38.17
BuyUS$19109 Apr 19
William Johnson
EntityIndividual
Role
Senior VP of Commercial & Consumer Lending and Senior Lending Officer of Auburn Bank
Shares5
Max PriceUS$38.17
BuyUS$53308 Apr 19
Shannon O'Donnell
EntityIndividual
Shares14
Max PriceUS$38.17
BuyUS$57208 Apr 19
C. Smith
EntityIndividual
Shares15
Max PriceUS$38.17
BuyUS$3,40012 Mar 19
J. Barrett
EntityIndividual
Role
Member of the Board of Directors
Shares100
Max PriceUS$34.00
BuyUS$6,72021 Feb 19
J. Barrett
EntityIndividual
Role
Member of the Board of Directors
Shares200
Max PriceUS$33.60
BuyUS$33531 Jan 19
Samuel Bridges
EntityIndividual
Shares10
Max PriceUS$33.54
BuyUS$21007 Jan 19
William Johnson
EntityIndividual
Role
Senior VP of Commercial & Consumer Lending and Senior Lending Officer of Auburn Bank
Shares7
Max PriceUS$29.99
BuyUS$54107 Jan 19
C. Smith
EntityIndividual
Shares18
Max PriceUS$30.49
BuyUS$51307 Jan 19
Shannon O'Donnell
EntityIndividual
Shares17
Max PriceUS$30.49
BuyUS$96907 Jan 19
David Housel
EntityIndividual
Role
Member of the Board of Directors
Shares32
Max PriceUS$30.49
BuyUS$1,39304 Jan 19
J. Barrett
EntityIndividual
Role
Member of the Board of Directors
Shares46
Max PriceUS$30.49
BuyUS$1,06304 Jan 19
William Ham
EntityIndividual
Role
Member of the Board of Directors
Shares35
Max PriceUS$30.49
BuyUS$1,30304 Jan 19
Terry Andrus
EntityIndividual
Role
Member of the Board of Directors
Shares43
Max PriceUS$30.49
BuyUS$7,44410 Dec 18
J. Barrett
EntityIndividual
Role
Member of the Board of Directors
Shares200
Max PriceUS$37.22
BuyUS$3,87019 Nov 18
David Housel
EntityIndividual
Role
Member of the Board of Directors
Shares102
Max PriceUS$37.94
BuyUS$1,83416 Nov 18
David Housel
EntityIndividual
Role
Member of the Board of Directors
Shares48
Max PriceUS$38.20
BuyUS$54718 Oct 18
C. Smith
EntityIndividual
Shares14
Max PriceUS$39.12
BuyUS$50718 Oct 18
Shannon O'Donnell
EntityIndividual
Shares13
Max PriceUS$39.12
BuyUS$19618 Oct 18
William Johnson
EntityIndividual
Role
Senior VP of Commercial & Consumer Lending and Senior Lending Officer of Auburn Bank
Shares5
Max PriceUS$39.12
BuyUS$97418 Oct 18
David Housel
EntityIndividual
Role
Member of the Board of Directors
Shares25
Max PriceUS$39.12
BuyUS$1,40317 Oct 18
J. Barrett
EntityIndividual
Role
Member of the Board of Directors
Shares36
Max PriceUS$39.12
BuyUS$1,28617 Oct 18
Terry Andrus
EntityIndividual
Role
Member of the Board of Directors
Shares33
Max PriceUS$39.12
BuyUS$1,05117 Oct 18
William Ham
EntityIndividual
Role
Member of the Board of Directors
Shares27
Max PriceUS$39.12

Ownership Breakdown


Management Team

  • Mike King (62yo)

    Senior Vice President of Mortgage Lending Division - AuburnBank

    • Compensation: $332.18k
  • David Hedges (40yo)

    Executive VP & CFO

    • Tenure: 3.7yrs
    • Compensation: $239.58k
  • Jerry Siegel (55yo)

    Senior VP & CTO

    • Tenure: 11.6yrs
  • Bob Dumas (65yo)

    Chairman

    • Tenure: 1.8yrs
    • Compensation: $478.30k
  • John Ham

    Senior Vice President

    • Compensation: $145.96k
  • William Walker (50yo)

    Senior VP & Chief Accounting Officer

    • Tenure: 3.7yrs
  • Terrell Bishop (81yo)

    City President of Valley Branch & Senior VP of Auburn Bank

    • Compensation: $215.02k
  • Tommy Johnson (71yo)

    Senior VP of Commercial & Consumer Lending and Senior Lending Officer of Auburn Bank

    • Tenure: 18.6yrs
    • Compensation: $127.98k
  • James Dulaney (59yo)

    Senior Vice President of Bent Creek Branch

    • Tenure: 15.6yrs
  • C. Alderman (68yo)

    Independent Director & Secretary

    • Compensation: $38.40k

Board Members

  • Terry Andrus (67yo)

    Independent Director

    • Tenure: 21.3yrs
    • Compensation: $20.40k
  • J. Barrett (67yo)

    Independent Director

    • Tenure: 9.5yrs
    • Compensation: $29.90k
  • Edward Spencer (63yo)

    Director

    • Tenure: 15.6yrs
    • Compensation: $24.65k
  • Amy Murphy (60yo)

    Independent Director

    • Tenure: 3.5yrs
    • Compensation: $16.65k
  • Bob Dumas (65yo)

    Chairman

    • Tenure: 0.6yrs
    • Compensation: $478.30k
  • Edward Spencer (88yo)

    Chairman Emeritus

    • Compensation: $63.38k
  • William Ham (65yo)

    Independent Director

    • Tenure: 15.6yrs
    • Compensation: $25.40k
  • Anne May (68yo)

    Lead Independent Director

    • Compensation: $20.90k
  • C. Alderman (68yo)

    Independent Director & Secretary

    • Tenure: 15.6yrs
    • Compensation: $38.40k
  • David Housel (72yo)

    Independent Director

    • Tenure: 15.6yrs
    • Compensation: $19.65k

Company Information

Auburn National Bancorporation, Inc.'s company bio, 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
  • Market Cap: US$140.126m
  • Shares outstanding: 3.57m
  • Website: Click here

Number of Employees


Location

  • Auburn National Bancorporation, Inc.
  • 100 North Gay Street
  • PO Drawer 3110
  • Auburn
  • Alabama
  • 36831
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
AUBNNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDSep 1995

Biography

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 ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 23:33
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.