Auburn National Bancorporation (AUBN) AI Stock Analysis

• Market Cap: $87.67M
• Dividend Yield: 4.14%
• Average Volume (3M): 1.22K
• Price to Earnings (P/E): 13.2
• Beta (1Y): 0.22
• Revenue Growth: 27.65%
• EPS Growth: 996.66%
• Country: US
• Employees: 145
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.53
• Shares Outstanding: 3,493,699
• 10 Day Avg. Volume: 826
• 30 Day Avg. Volume: 1,221
• PEG Ratio: 0.04
• Price to Book (P/B): 1.05
• Price to Sales (P/S): 1.94
• P/FCF Ratio: 9.41
• Enterprise Value/Market Cap: 0.78
• Enterprise Value/Revenue: 1.59
• Enterprise Value/Gross Profit: 2.18
• Enterprise Value/Ebitda: 6.55
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 68 Neutral
• Price Target: $28.00 ▲(7.32% Upside)

Auburn National Bancorporation's strong financial performance, particularly its robust balance sheet with zero debt and significant cash reserves, is the most significant factor supporting its stock score. The technical analysis indicates a neutral trend, while the valuation is reasonable with an attractive dividend yield. The absence of earnings call data and corporate events means these factors did not influence the score.

Auburn National Bancorporation Business Overview & Revenue Model

Company Description

Auburn National Bancorporation (AUBN) is a bank holding company based in Auburn, Alabama, primarily engaged in the provision of banking services through its wholly-owned subsidiary, AuburnBank. The company operates within the financial sector, offering a range of products and services including personal and commercial banking, mortgage lending, and wealth management services. AUBN focuses on delivering customer-centric solutions to individuals and businesses in its local markets, fostering community relationships and supporting economic growth.

How the Company Makes Money

Auburn National Bancorporation generates revenue primarily through net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. Key revenue streams include consumer loans, commercial loans, and mortgage loans, which contribute significantly to interest income. Additionally, the bank earns non-interest income from service fees, transaction fees, and wealth management services. The company may also engage in partnerships with local businesses and organizations, enhancing its customer base and driving deposit growth. Overall, AUBN's earnings are bolstered by its focus on community banking and personalized service, which helps attract and retain customers.

Auburn National Bancorporation Financial Statement Overview

Summary

Auburn National Bancorporation exhibits strong financial health, with robust revenue growth and profitability margins. The balance sheet is particularly strong with zero debt and significant cash reserves, providing a solid foundation for future growth. While the cash flow statement reveals effective cash generation, the decline in free cash flow should be monitored. Overall, the company is well-positioned but should manage operational costs to maintain profitability margins.

Income Statement

Auburn National Bancorporation demonstrated solid revenue growth with a significant increase in total revenue from the previous year, highlighted by a strong gross profit margin of 84.89% and a net profit margin of 17.74% in TTM. However, the EBIT margin declined, indicating rising operational costs. The EBITDA margin remained robust, showcasing effective management of non-operating expenses.

Balance Sheet

The balance sheet is strong with no reported debt, resulting in a favorable debt-to-equity ratio of 0. The equity ratio of 8.01% is stable, indicating a healthy proportion of equity financing. Return on equity is strong at 8.17%, reflecting efficient use of shareholder funds. The large cash reserves enhance financial stability.

Cash Flow

The cash flow statement shows a positive free cash flow growth rate, supported by consistent operating cash flow. The operating cash flow to net income ratio is favorable, indicating effective cash generation from operations. However, free cash flow has declined compared to previous years, suggesting increased capital expenditures or other cash uses.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	43.12M	42.21M	31.39M	32.67M	30.80M	33.57M
Gross Profit	31.45M	30.56M	23.21M	29.44M	28.88M	28.61M
EBITDA	10.45M	10.33M	2.32M	14.38M	10.69M	10.72M
Net Income	6.66M	6.40M	1.40M	10.35M	8.04M	7.45M
Balance Sheet
Total Assets	1.03B	977.32M	975.25M	1.02B	1.11B	956.60M
Cash, Cash Equivalents and Short-Term Investments	128.56M	56.16M	310.87M	423.26M	500.73M	419.19M
Total Debt	0.00	231.00K	1.49M	2.55M	3.45M	2.39M
Total Liabilities	943.15M	899.03M	898.75M	955.85M	1.00B	850.80M
Stockholders Equity	86.07M	78.29M	76.51M	68.04M	103.73M	107.69M
Cash Flow
Free Cash Flow	8.81M	8.72M	11.45M	3.93M	-7.86M	1.37M
Operating Cash Flow	9.45M	10.81M	11.87M	10.98M	12.32M	9.73M
Investing Cash Flow	38.54M	16.85M	91.41M	-90.96M	-118.84M	-102.92M
Financing Cash Flow	-10.33M	-5.68M	-59.16M	-49.03M	150.21M	113.33M

Auburn National Bancorporation Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 26.09
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AUBN, the sentiment is Positive. The current price of 26.09 is below the 20-day moving average (MA) of 26.61, above the 50-day MA of 26.02, and above the 200-day MA of 22.80, indicating a neutral trend. The MACD of -0.17 indicates Positive momentum. The RSI at 49.13 is Neutral, neither overbought nor oversold. The STOCH value of 56.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AUBN.

Auburn National Bancorporation Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IROQ	69 Neutral	$85.80M	18.74	5.53%	1.58%	6.61%	139.05%
AUBN	68 Neutral	$87.67M	13.17	8.25%	4.14%	27.65%	996.66%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LSBK	65 Neutral	$97.19M	16.79	6.43%	2.77%	1.31%	33.35%
UBCP	62 Neutral	$74.61M	10.30	11.79%	7.09%	5.73%	-13.97%
CFSB	54 Neutral	$92.53M	―	-0.35%	―	11.64%	-913.46%
PBHC	49 Neutral	$92.90M	161.41	2.33%	2.62%	8.19%	―

Auburn National Bancorporation Corporate Events

Auburn National Bancorporation Elects Walton T. Conn, Jr.

On October 6, 2025, Auburn National Bancorporation, Inc. announced the election of Walton T. Conn, Jr. to its Board of Directors and that of AuburnBank. Mr. Conn brings extensive experience in public accounting and risk management, having previously served as Global COO at KPMG International. His appointment is expected to enhance the board’s expertise and strengthen community and university relations.

The most recent analyst rating on (AUBN) stock is a Buy with a $31.00 price target. To see the full list of analyst forecasts on Auburn National Bancorporation stock, see the AUBN Stock Forecast page.

Auburn National Bancorporation Declares Q3 Cash Dividend

On August 12, 2025, Auburn National Bancorporation, Inc. announced a third quarter cash dividend of $0.27 per share, payable on September 25, 2025, to shareholders of record as of September 10, 2025. This announcement reflects the company’s ongoing commitment to providing value to its shareholders and maintaining its financial stability.

Auburn National Bancorporation Approves New Equity Award Agreement

On July 24, 2025, Auburn National Bancorporation‘s Compensation Committee approved a new form of Notice of Discretionary Equity Award Agreement under its 2024 Equity and Incentive Compensation Plan. As part of this, 1,402 Restricted Stock Units (RSUs) were granted to three named executive officers, with vesting scheduled for March 10, 2026. The RSUs include provisions for dividend equivalents and conditions for accelerated vesting under certain circumstances, such as death, disability, or retirement. The agreement also includes restrictive covenants regarding confidentiality and non-solicitation.

Auburn National Bancorporation Reports Strong Q2 Earnings

Auburn National Bancorporation, Inc., headquartered in Auburn, Alabama, is the parent company of AuburnBank, an Alabama state-chartered bank. The bank operates primarily in East Alabama, offering a range of financial services through its seven full-service branches and a loan production office.