NasdaqGM:AUBN

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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. More Details


Snowflake Analysis

Flawless balance sheet average dividend payer.


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

Stable Share Price: AUBN's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-1.6%

AUBN

2.7%

US Banks

-1.1%

US Market


1 Year Return

-10.8%

AUBN

-28.3%

US Banks

15.6%

US Market

Return vs Industry: AUBN exceeded the US Banks industry which returned -28.3% over the past year.

Return vs Market: AUBN underperformed the US Market which returned 15.6% over the past year.


Shareholder returns

AUBNIndustryMarket
7 Day-1.6%2.7%-1.1%
30 Day-0.7%9.8%4.2%
90 Day-23.5%2.6%6.3%
1 Year-8.9%-10.8%-25.7%-28.3%18.2%15.6%
3 Year16.8%8.7%-17.4%-24.3%39.6%30.4%
5 Year59.2%39.4%17.7%3.1%79.5%59.2%

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 compared to its fair value and its price relative to the market?

15.87x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: AUBN ($37.43) is trading above our estimate of fair value ($36.77)

Significantly Below Fair Value: AUBN is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: AUBN is poor value based on its PE Ratio (16x) compared to the US Banks industry average (10.2x).

PE vs Market: AUBN is good value based on its PE Ratio (16x) compared to the US market (18.9x).


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 (1.3x) compared to the US Banks industry average (0.8x).


Next Steps

Future Growth

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

15.3%

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.


Next Steps

Past Performance

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

3.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: AUBN has a large one-off gain of $2.3M impacting its June 30 2020 financial results.

Growing Profit Margin: AUBN's current net profit margins (29.6%) are lower than last year (30.9%).


Past Earnings Growth Analysis

Earnings Trend: AUBN's earnings have grown by 3.6% per year over the past 5 years.

Accelerating Growth: AUBN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: AUBN had negative earnings growth (-9.5%) over the past year, making it difficult to compare to the Banks industry average (-4%).


Return on Equity

High ROE: AUBN's Return on Equity (7.9%) is considered low.


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

Asset Level: AUBN's Assets to Equity ratio (9x) is low.

Allowance for Bad Loans: AUBN has a sufficient allowance for bad loans (783%).

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 (49%).

Low Risk Deposits: AUBN's Loans to Deposits ratio (55%) is appropriate.

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


Next Steps

Dividend

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

2.74%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: AUBN's dividend (2.73%) is higher than the bottom 25% of dividend payers in the US market (1.65%).

High Dividend: AUBN's dividend (2.73%) is low compared to the top 25% of dividend payers in the US market (4.63%).


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 (43.1%), 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.


Next Steps

Management

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

12.8yrs

Average management tenure


CEO

Bob Dumas (66 yo)

3yrs

Tenure

US$468,874

Compensation

Mr. Robert W. Dumas also known as Bob, has served as Chief Executive Officer of AuburnBank since 2001. Mr. Dumas has served as a Director of Auburn National Bancorporation, Inc. since 2001, and, since 1997 ...


CEO Compensation Analysis

Compensation vs Market: Bob's total compensation ($USD468.87K) is about average for companies of similar size in the US market ($USD585.94K).

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


Leadership Team

NamePositionTenureCompensationOwnership
Robert Dumas
Chairman3yrsUS$468.87k1.11%
$ 1.5m
David Hedges
Executive VP & CFO4.83yrsUS$255.98k0.0056%
$ 7.5k
Robert Smith
Senior VP & Chief Lending Officer of AuburnBank6.5yrsUS$224.53k0.0085%
$ 11.3k
C. Alderman
Independent Director & Secretary16.75yrsUS$38.15k0.14%
$ 191.5k
William Walker
Senior VP & Chief Accounting Officer4.83yrsno datano data
Jerome Siegel
Senior VP & CTO12.75yrsno data0.0080%
$ 10.7k
John Ham
Senior Vice Presidentno dataUS$145.96kno data
Terrell Bishop
SVP, City President of Valley Branch at Auburn Bank & Member of Valley Branch Advisory Boardno dataUS$215.02kno data
James Dulaney
Senior Vice President of Business Development & Marketing - AuburnBank16.75yrsno datano data
William Johnson
Senior VP & Senior Lender - Auburn Bank19.75yrsUS$127.98k0.16%
$ 208.7k
C. Smith
Senior VPno datano data0.020%
$ 26.1k
Marla Kickliter
Senior VP of Compliance & Internal Audit of Auburnbank13.75yrsno datano data

12.8yrs

Average Tenure

60yo

Average Age

Experienced Management: AUBN's management team is seasoned and experienced (12.8 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Robert Dumas
Chairman3yrsUS$468.87k1.11%
$ 1.5m
C. Alderman
Independent Director & Secretary16.75yrsUS$38.15k0.14%
$ 191.5k
Terrell Bishop
SVP, City President of Valley Branch at Auburn Bank & Member of Valley Branch Advisory Boardno dataUS$215.02kno data
C. Smith
Senior VPno datano data0.020%
$ 26.1k
Edward Spencer
Chairman Emeritusno dataUS$63.38k20.87%
$ 27.9m
Terry Andrus
Independent Director22.42yrsUS$22.15k0.10%
$ 135.6k
Anne May
Lead Independent Directorno dataUS$21.65k0.93%
$ 1.2m
David Housel
Independent Director16.75yrsUS$23.40k0.15%
$ 201.1k
William Ham
Independent Director16.75yrsUS$24.65k0.13%
$ 167.7k
Edward Spencer
Director16.75yrsUS$25.15k0.27%
$ 358.4k
J. Barrett
Independent Director10.67yrsUS$29.65k0.20%
$ 269.2k
H. Ennis
Member of Valley Branch Advisory Boardno datano datano data

16.8yrs

Average Tenure

68yo

Average Age

Experienced Board: AUBN's board of directors are seasoned and experienced ( 16.8 years average tenure).


Ownership

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 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$133.484m
  • Shares outstanding: 3.57m
  • Website: https://www.auburnbank.com

Number of Employees


Location

  • Auburn National Bancorporation, Inc.
  • 100 North Gay Street
  • PO Box 3110
  • Auburn
  • Alabama
  • 36831-3110
  • 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 Analysis2020/10/27 23:39
End of Day Share Price2020/10/27 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.