OTCPK:ABBB

Stock Analysis Report

Executive Summary

Auburn Bancorp, Inc. operates as the holding company for Auburn Savings Bank, FSB that provides personal and business banking products and services primarily in Lewiston/Auburn, Maine.

Snowflake

Fundamentals

Flawless balance sheet with limited growth.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

ABBB

0.9%

US Mortgage

0.6%

US Market


1 Year Return

7.1%

ABBB

13.4%

US Mortgage

6.2%

US Market

Return vs Industry: ABBB underperformed the US Mortgage industry which returned 13.4% over the past year.

Return vs Market: ABBB matched the US Market which returned 6.2% over the past year.


Share holder returns

ABBBIndustryMarket
7 Day0%0.9%0.6%
30 Day0%-0.8%-1.8%
90 Day-10.0%1.5%-2.0%
1 Year7.1%7.1%15.8%13.4%8.6%6.2%
3 Year43.6%43.6%40.2%30.7%45.7%36.3%
5 Year86.2%86.2%69.0%51.3%68.5%50.0%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

24.92x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Undervalued: ABBB ($13.5) is trading above our estimate of fair value ($2.35)

Significantly Undervalued: ABBB is trading above our estimate of fair value.


Price Based on Earnings

PE vs Industry: ABBB is poor value based on its PE Ratio (24.9x) compared to the Mortgage industry average (14.5x).

PE vs Market: ABBB is poor value based on its PE Ratio (24.9x) compared to the US market (17.5x).


Price Based on Expected Growth

Low PEG Ratio: Insufficient data to calculate ABBB's PEG Ratio to determine if it is good value.


Price Based on Value of Assets

PB vs Industry: ABBB is good value based on its PB Ratio (0.9x) compared to the US Mortgage industry average (1.1x).


Next Steps

Future Growth

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

17.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Earnings vs Savings Rate: ABBB's forecast earnings growth (17.7% per year) is above the savings rate (2.7%).

Earnings vs Market: ABBB's earnings (17.7% per year) are forecast to grow faster than the US market (14.5% per year).

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

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

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


Earnings per Share Growth Estimates


Future Return on Equity

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


Next Steps

Past Performance

How has Auburn Bancorp performed over the past 5 years?

30.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: ABBB has become profitable over the past 5 years, growing earnings by 30.8% per year.

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

Earnings vs Industry: ABBB had negative earnings growth (-16.1%) over the past year, making it difficult to compare to the Mortgage industry average (31.3%).


Return on Equity

High ROE: ABBB's Return on Equity (3.7%) is considered low.


Return on Assets

ROA vs Industry: ABBB's Return on Assets is below or equal to the Mortgage industry average last year.


Return on Capital Employed

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


Next Steps

Financial Health

How is Auburn Bancorp'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: ABBB has a low level of unsold assets or inventory.

Debt Coverage by Assets: ABBB's debt is not covered by short term assets (assets are 0.2x debt).


Financial Institutions Analysis

Asset Level: ABBB's level of assets compared to its equity is moderate.

Allowance for Bad Loans: ABBB has a sufficient allowance for bad loans.

Low Risk Liabilities: ABBB's liabilities are made up of primarily low risk sources of funding.

Loan Level: ABBB has an acceptable proportion of non-loan assets held.

Low Risk Deposits: ABBB's loans are broadly funded by customer deposits.

Level of Bad Loans: ABBB has an appropriate level of bad loans (0.69%)


Next Steps

Dividend

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


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage2.2%forecastin3Yearsn/a

Current dividend yield vs market & industry


Dividend Yield and Payments Analysis

Notable Dividend: Unable to evaluate ABBB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate ABBB's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if ABBB's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if ABBB's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of ABBB's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

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

3.8yrs

Average management tenure


CEO

Bill Tracy (53yo)

4.3yrs

Tenure

US$147,460

Compensation

Mr. William C. Tracy, also known as Bill, serves as President, Senior Lender and Chief Executive Officer of Auburn Bancorp, Inc. and Auburn Savings Bank. Mr. Tracy serves as President of the Little League  ...


CEO Compensation Analysis

Compensation vs. Market: Bill's total compensation ($USD147.46K) is about average for companies of similar size in the US market ($USD495.85K).

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


Management Age and Tenure

3.8yrs

Average Tenure

53yo

Average Age

Experienced Management: ABBB's management team is considered experienced (3.8 years average tenure).


Board Age and Tenure

5.8yrs

Average Tenure

56yo

Average Age

Experienced Board: ABBB's board of directors are considered experienced (5.8 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • Martha Adams (55yo)

    Executive VP & COO

    • Tenure: 3.8yrs
  • Bill Tracy (53yo)

    President & CEO

    • Tenure: 4.3yrs
    • Compensation: US$147.46k
  • Melissa Record

    VP of BSA & Compliance Officer

    • Tenure: 0yrs
  • Dave Krause (50yo)

    Senior VP & CFO

    • Tenure: 2.3yrs
  • Luse Gorman

    General Counsel

    • Tenure: 0yrs

Board Members

  • Philip St. Pierre (63yo)

    Chairman of the Board

    • Tenure: 2.8yrs
    • Compensation: US$14.86k
  • Claire Thompson (67yo)

    Director

    • Tenure: 11.8yrs
    • Compensation: US$10.67k
  • Thomas Dean (56yo)

    Director

    • Tenure: 10.3yrs
    • Compensation: US$9.77k
  • Heather Hunter (53yo)

    Vice Chairperson

    • Tenure: 2.8yrs
    • Compensation: US$12.04k
  • Anne Torregrossa (39yo)

    Director

    • Tenure: 5.8yrs
    • Compensation: US$11.27k

Company Information

Auburn Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Auburn Bancorp, Inc.
  • Ticker: ABBB
  • Exchange: OTCPK
  • Founded: 1887
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$6.716m
  • Shares outstanding: 497.51k
  • Website: https://www.auburnsavings.com

Location

  • Auburn Bancorp, Inc.
  • 256 Court Street
  • Auburn
  • Maine
  • 4210
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ABBBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDAug 2008

Biography

Auburn Bancorp, Inc. operates as the holding company for Auburn Savings Bank, FSB that provides personal and business banking products and services primarily in Lewiston/Auburn, Maine. It accepts demand ac ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/13 00:55
End of Day Share Price2019/08/27 00:00
Earnings2019/03/31
Annual Earnings2018/06/30


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.

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