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.


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

-1.3%

AUBN

3.7%

US Banks

1.8%

US Market


1 Year Return

4.4%

AUBN

1.9%

US Banks

7.3%

US Market

Return vs Industry: AUBN exceeded the US Banks industry which returned 1.9% over the past year.

Return vs Market: AUBN underperformed the US Market which returned 7.3% over the past year.


Shareholder returns

AUBNIndustryMarket
7 Day-1.3%3.7%1.8%
30 Day5.3%0.2%-0.7%
90 Day15.3%2.5%0.06%
1 Year7.4%4.4%4.9%1.9%9.7%7.3%
3 Year68.4%55.5%51.7%41.2%46.3%36.9%
5 Year109.0%80.6%69.7%51.2%64.5%46.5%

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?

17.01x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Undervalued: AUBN ($43.34) is trading above our estimate of fair value ($33.48)

Significantly Undervalued: 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 (17x) compared to the Banks industry average (12.6x).

PE vs Market: AUBN is good value based on its PE Ratio (17x) compared to the US market (17.7x).


Price to Earnings Growth Ratio

Low 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 (1.6x) compared to the US Banks industry average (1.2x).


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?

4.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: AUBN's forecast earnings growth (4.1% per year) is above the savings rate (2.7%).

Earnings vs Market: AUBN's earnings (4.1% per year) are forecast to grow slower than the US market (14.6% per year).

High Growth Earnings: AUBN's earnings are forecast to grow, but not significantly.

Revenue vs Market: Insufficient data to determine if AUBN's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if AUBN's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

High Future ROE: Insufficient data to determine if AUBN's Return on Equity is forecast to be high in 3 years time


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

Earnings Trend: AUBN's earnings have grown by 3.8% per year over the past 5 years.

Accelerating Growth: AUBN's earnings growth over the past year (9.6%) exceeds its 5-year average (3.8% per year).

Earnings vs Industry: AUBN earnings growth over the past year (9.6%) underperformed the Banks industry 30.5%.


Return on Equity

High ROE: AUBN's Return on Equity (9.8%) is considered low.


Return on Assets

ROA vs Industry: AUBN has a higher Return on Assets than the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate AUBN's Return on Capital Employed to determine if it has improved over the past 3 years.


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

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 70.897270x 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 (0.03%)


Next Steps

Dividend

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

2.31%

Current Dividend Yield


Dividend Yield vs Market

company2.3%marketbottom25%1.5%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: AUBN's dividend (2.31%) is higher than the bottom 25% of dividend payers in the US market (1.45%).

High Dividend: AUBN's dividend (2.31%) is low compared to the top 25% of dividend payers in the US market (3.72%).

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 (38.5%), 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 and that it will be covered by earnings.


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?

7.8yrs

Average management tenure


CEO

Bob Dumas (65yo)

2yrs

Tenure

US$423,503

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

Compensation vs. Market: Bob has recently become CEO, making it difficult to compare their total compensation against companies of similar size in the US market.

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


Management Age and Tenure

7.8yrs

Average Tenure

62yo

Average Age

Experienced Management: AUBN's management team is seasoned and experienced (7.8 years average tenure).


Board Age and Tenure

15.8yrs

Average Tenure

67yo

Average Age

Experienced Board: AUBN's board of directors are seasoned and experienced ( 15.8 years average tenure).


Insider Trading

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


Recent Insider Transactions

BuyUS$9001 Oct 19
C. Smith
EntityIndividual
Shares2
Max PriceUS$44.98
BuyUS$49601 Oct 19
C. Smith
EntityIndividual
Shares11
Max PriceUS$45.07
BuyUS$22501 Oct 19
William Johnson
EntityIndividual
Role
Senior Key Executive
Senior VP of Commercial & Consumer Lending and Senior Lending Officer of Auburn Bank
Shares5
Max PriceUS$45.07
BuyUS$22501 Oct 19
Shannon O'Donnell
EntityIndividual
Shares5
Max PriceUS$44.98
BuyUS$31501 Oct 19
Shannon O'Donnell
EntityIndividual
Shares7
Max PriceUS$45.07
BuyUS$63001 Oct 19
David Housel
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares14
Max PriceUS$44.98
BuyUS$40601 Oct 19
David Housel
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares9
Max PriceUS$45.07
BuyUS$85530 Sep 19
William Ham
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares19
Max PriceUS$44.98
BuyUS$27030 Sep 19
William Ham
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares6
Max PriceUS$45.07
BuyUS$85530 Sep 19
Terry Andrus
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares19
Max PriceUS$44.98
BuyUS$49630 Sep 19
Terry Andrus
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares11
Max PriceUS$45.07
BuyUS$85530 Sep 19
J. Barrett
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares19
Max PriceUS$44.98
BuyUS$63130 Sep 19
J. Barrett
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares14
Max PriceUS$45.07
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 Key Executive
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
Independent Director
Shares45
Max PriceUS$31.95
BuyUS$1,02216 Jul 19
David Housel
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares32
Max PriceUS$31.95
BuyUS$1,08616 Jul 19
William Ham
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares34
Max PriceUS$31.95
BuyUS$1,37316 Jul 19
Terry Andrus
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares43
Max PriceUS$31.95
BuyUS$1,10309 Apr 19
William Ham
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares29
Max PriceUS$38.17
BuyUS$1,33209 Apr 19
Terry Andrus
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares35
Max PriceUS$38.17
BuyUS$1,44709 Apr 19
J. Barrett
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares38
Max PriceUS$38.17
BuyUS$1,02809 Apr 19
David Housel
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares27
Max PriceUS$38.17
BuyUS$19109 Apr 19
William Johnson
EntityIndividual
Role
Senior Key Executive
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
Independent Director
Shares100
Max PriceUS$34.00
BuyUS$6,72021 Feb 19
J. Barrett
EntityIndividual
Role
Member of the Board of Directors
Independent Director
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 Key Executive
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
Independent Director
Shares32
Max PriceUS$30.49
BuyUS$1,39304 Jan 19
J. Barrett
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares46
Max PriceUS$30.49
BuyUS$1,06304 Jan 19
William Ham
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares35
Max PriceUS$30.49
BuyUS$1,30304 Jan 19
Terry Andrus
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares43
Max PriceUS$30.49
BuyUS$7,44410 Dec 18
J. Barrett
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares200
Max PriceUS$37.22
BuyUS$3,87019 Nov 18
David Housel
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares102
Max PriceUS$37.94
BuyUS$1,83416 Nov 18
David Housel
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares48
Max PriceUS$38.20

Ownership Breakdown


Management Team

  • Terrell Bishop (81yo)

    City President of Valley Branch & Senior VP of Auburn Bank

    • Tenure: 0yrs
    • Compensation: US$215.02k
  • James Dulaney (59yo)

    Senior Vice President of Bent Creek Branch

    • Tenure: 15.8yrs
  • John Ham

    Senior Vice President

    • Tenure: 0yrs
    • Compensation: US$145.96k
  • Tommy Johnson (71yo)

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

    • Tenure: 18.8yrs
    • Compensation: US$127.98k
  • Bob Dumas (65yo)

    Chairman

    • Tenure: 2yrs
    • Compensation: US$423.50k
  • C. Alderman (68yo)

    Independent Director & Secretary

    • Tenure: 15.8yrs
    • Compensation: US$38.40k
  • David Hedges (40yo)

    Executive VP & CFO

    • Tenure: 3.8yrs
    • Compensation: US$239.58k
  • Jerry Siegel (55yo)

    Senior VP & CTO

    • Tenure: 11.8yrs
  • William Walker (50yo)

    Senior VP & Chief Accounting Officer

    • Tenure: 3.8yrs
  • Mike King (62yo)

    Senior Vice President of Mortgage Lending Division - AuburnBank

    • Tenure: 0yrs
    • Compensation: US$332.18k

Board Members

  • Edward Spencer (88yo)

    Chairman Emeritus

    • Tenure: 0yrs
    • Compensation: US$63.38k
  • Terry Andrus (67yo)

    Independent Director

    • Tenure: 21.4yrs
    • Compensation: US$20.40k
  • Anne May (68yo)

    Lead Independent Director

    • Tenure: 0yrs
    • Compensation: US$20.90k
  • Bob Dumas (65yo)

    Chairman

    • Tenure: 2yrs
    • Compensation: US$423.50k
  • C. Alderman (68yo)

    Independent Director & Secretary

    • Tenure: 15.8yrs
    • Compensation: US$38.40k
  • David Housel (72yo)

    Independent Director

    • Tenure: 15.8yrs
    • Compensation: US$19.65k
  • William Ham (65yo)

    Independent Director

    • Tenure: 15.8yrs
    • Compensation: US$25.40k
  • Edward Spencer (63yo)

    Director

    • Tenure: 15.8yrs
    • Compensation: US$24.65k
  • J. Barrett (67yo)

    Independent Director

    • Tenure: 9.7yrs
    • Compensation: US$29.90k
  • Amy Murphy (60yo)

    Independent Director

    • Tenure: 3.7yrs
    • Compensation: US$16.65k

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$154.689m
  • Shares outstanding: 3.57m
  • Website: https://www.auburnbank.com

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 Analysis2019/10/17 23:32
End of Day Share Price2019/10/17 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.