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
|Historical stock prices|
|Current Share Price||US$27.55|
|52 Week High||US$37.11|
|52 Week Low||US$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 IPO||335.00%|
Recent News & Updates
|AUBN||US Banks||US 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.
|AUBN Average Weekly Movement||4.2%|
|Banks Industry Average Movement||3.8%|
|Market Average Movement||8.1%|
|10% most volatile stocks in US Market||16.9%|
|10% least volatile stocks in US Market||3.3%|
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
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
|AUBN fundamental statistics|
Is AUBN overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|AUBN income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||2.31|
|Net Profit Margin||27.98%|
How did AUBN perform over the long term?See historical performance and comparison
3.8%Current Dividend Yield
Is AUBN undervalued compared to its fair value, analyst forecasts and its price relative to the market?
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
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.
|What is AUBN's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does AUBN's PE Ratio compare to its peers?
|AUBN PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
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.
|Current PE Ratio||11.9x|
|Fair PE Ratio||n/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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How is Auburn National Bancorporation forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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.
How has Auburn National Bancorporation performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
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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How is Auburn National Bancorporation's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
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 4/6
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.
Experienced Management: AUBN's management team is seasoned and experienced (8.4 years average tenure).
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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Auburn National Bancorporation, Inc.'s employee growth, exchange listings and data sources
- 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: https://www.auburnbank.com
Number of Employees
- Auburn National Bancorporation, Inc.
- 132 North Gay Street
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/07/03 00:00|
|End of Day Share Price||2022/07/01 00:00|
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.