Auburn National Bancorporation, Inc. operates as the bank holding company for AuburnBank that provides various banking products and services in East Alabama.
Flawless balance sheet with proven track record and pays a dividend.
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
Stable Share Price: AUBN has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: AUBN exceeded the US Banks industry which returned -33.7% over the past year.
Return vs Market: AUBN exceeded the US Market which returned -14.9% over the past year.
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
1 week ago | Simply Wall StDid You Miss Auburn National Bancorporation's (NASDAQ:AUBN) 67% Share Price Gain?
4 weeks ago | Simply Wall StIs It Smart To Buy Auburn National Bancorporation, Inc. (NASDAQ:AUBN) Before It Goes Ex-Dividend?
1 month ago | Simply Wall StHave Insiders Sold Auburn National Bancorporation, Inc. (NASDAQ:AUBN) Shares Recently?
Is Auburn National Bancorporation undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: AUBN ($39.33) is trading below our estimate of fair value ($42.58)
Significantly Below Fair Value: AUBN is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: AUBN is poor value based on its PE Ratio (14.5x) compared to the Banks industry average (8.6x).
PE vs Market: AUBN is poor value based on its PE Ratio (14.5x) compared to the US market (12.5x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate AUBN's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: AUBN is overvalued based on its PB Ratio (1.4x) compared to the US Banks industry average (0.8x).
How is Auburn National Bancorporation forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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.
- Check out Auburn National Bancorporation's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
- Explore growth companies in the Banks industry.
How has Auburn National Bancorporation performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AUBN has high quality earnings.
Growing Profit Margin: AUBN's current net profit margins (32.7%) are higher than last year (30.6%).
Past Earnings Growth Analysis
Earnings Trend: AUBN's earnings have grown by 4.4% per year over the past 5 years.
Accelerating Growth: AUBN's earnings growth over the past year (10.3%) exceeds its 5-year average (4.4% per year).
Earnings vs Industry: AUBN earnings growth over the past year (10.3%) underperformed the Banks industry 10.9%.
Return on Equity
High ROE: AUBN's Return on Equity (9.9%) is considered low.
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
Inventory Level: AUBN has a low level of unsold assets or inventory.
Debt Coverage by Assets: AUBN's debt is covered by short term assets (assets are 88.5x debt).
Financial Institutions Analysis
Asset Level: AUBN's level of assets compared to its equity is low.
Allowance for Bad Loans: AUBN has a sufficient allowance for bad loans.
Low Risk Liabilities: AUBN's liabilities are made up of primarily low risk sources of funding.
Loan Level: AUBN has an acceptable proportion of non-loan assets held.
Low Risk Deposits: AUBN's loans are broadly funded by customer deposits.
Level of Bad Loans: AUBN has an appropriate level of bad loans (0.04%)
What is Auburn National Bancorporation's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: AUBN's dividend (2.54%) is higher than the bottom 25% of dividend payers in the US market (2.04%).
High Dividend: AUBN's dividend (2.54%) is low compared to the top 25% of dividend payers in the US market (5.7%).
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
Dividend Coverage: With its reasonably low payout ratio (36.8%), 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 and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Bob Dumas (65yo)
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
Compensation vs Market: Bob's total compensation ($USD423.50K) is below average for companies of similar size in the US market ($USD609.32K).
Compensation vs Earnings: Bob's compensation has been consistent with company performance over the past year.
|Executive VP & CFO||4.33yrs||US$239.58k||0.0056% $7.9k|
|Independent Director & Secretary||16.25yrs||US$38.40k||0.14% $201.2k|
|Senior VP & Chief Accounting Officer||4.33yrs||no data||no data|
|Senior VP & CTO||12.25yrs||no data||0.0080% $11.3k|
|Senior Vice President||no data||US$145.96k||no data|
|City President of Valley Branch & Senior VP of Auburn Bank||no data||US$215.02k||1.18% $1.7m|
|Senior Vice President of Bent Creek Branch||16.25yrs||no data||0.14% $199.8k|
|Senior VP of Commercial & Consumer Lending and Senior Lending Officer of Auburn Bank||19.25yrs||US$127.98k||0.16% $219.3k|
|City President of Opelika Branch & Senior VP of Auburn Bank||19.25yrs||no data||0.020% $27.4k|
Experienced Management: AUBN's management team is seasoned and experienced (12.3 years average tenure).
|Independent Director & Secretary||16.25yrs||US$38.40k||0.14% $201.2k|
|Executive Director of Lee County Youth Development & Independent Director||0.17yr||no data||no data|
|Chairman Emeritus||no data||US$63.38k||20.71% $29.0m|
|Independent Director||21.92yrs||US$20.40k||0.099% $138.8k|
|Lead Independent Director||no data||US$20.90k||0.93% $1.3m|
|Independent Director||16.25yrs||US$19.65k||0.15% $204.6k|
|Independent Director||16.25yrs||US$25.40k||0.11% $149.6k|
|Independent Director||10.17yrs||US$29.90k||0.20% $278.9k|
Experienced Board: AUBN's board of directors are seasoned and experienced ( 16.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: AUBN insiders have sold more shares than they have bought 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 company bio, employee growth, exchange listings and data sources
- Name: Auburn National Bancorporation, Inc.
- Ticker: AUBN
- Exchange: NasdaqGM
- Founded: 1907
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$140.257m
- Shares outstanding: 3.57m
- Website: https://www.auburnbank.com
Number of Employees
- Auburn National Bancorporation, Inc.
- 100 North Gay Street
- PO Drawer 3110
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|AUBN||NasdaqGM (Nasdaq Global Market)||Yes||Common Stock||US||USD||Sep 1995|
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; residential mortgage lending services; and other financial services. In addition, the company offers automated teller services; debit cards; online banking, bill payment, and other electronic services; and safe deposit boxes. It operates through its main office; eight full-service branches in Auburn, Opelika, Notasulga, and Valley, Alabama; and a commercial loan production office in Phenix City, Alabama. Auburn National Bancorporation, Inc. was founded in 1907 and is headquartered in Auburn, Alabama.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/03 13:18|
|End of Day Share Price||2020/04/02 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.