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Auburn National Bancorporation (AUBN) AI Stock Analysis

127 Followers
AUBN

Auburn National Bancorporation

(NASDAQ:AUBN)

Select Model
Rating:70Outperform
Price Target:$28.00▲(8.00% Upside)
Action:reiterated
Date:11/11/26

The score is driven primarily by solid financial stability and profitability with strong cash conversion and minimal leverage, plus supportive value/income characteristics (low P/E and ~4.19% yield). Offsetting these positives are weaker technical signals (negative MACD and trading below key short/intermediate moving averages) and a softer, inconsistent revenue trajectory.

Positive Factors
Minimal LeverageThe absence of reported debt materially reduces financial risk and preserves flexibility for a community bank. A lightly leveraged balance sheet can better absorb earnings pressure, support continued lending, and reduce the burden of interest or refinancing costs over the coming quarters.
Negative Factors
Revenue ContractionThe recent decline in revenue signals weaker top-line momentum and creates uncertainty around the durability of current earnings. Without renewed revenue growth, operating leverage may become less favorable and future profitability could depend more heavily on cost control or favorable mix.

Auburn National Bancorporation (AUBN) vs. SPDR S&P 500 ETF (SPY)

-15%-10%-5%0%5%10%15%20%AUBN+7.36%SPY+14.28%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
Market Cap
$88.55M
Dividend Yield
4.17%
Average Volume (3M)
2,140
Price to Earnings (P/E)
10.2
Beta (1Y)
0.02
Revenue Growth
4.68%
EPS Growth
21.56%
Country
US
Employees
145
Sector
Financial
Sector Strength
68
Industry
Banks - Regional

Auburn National Bancorporation Business Overview & Revenue Model

Company Description

Auburn National Bancorporation, Inc. serves as the parent entity for AuburnBank, offering a broad spectrum of banking and financial services across East Alabama. The company provides a variety of deposit accounts, including checking, savings, transac...

Auburn National Bancorporation Financial Statement Overview

Summary

Strong recent profitability (~25% net margin) and solid cash generation (FCF ~$10.9M TTM; ~94% of net income) support the score. The main drag is weakening revenue (TTM down ~6.1% YoY) and notable volatility in earnings/cash flow across prior years, which reduces confidence in consistency.

Income Statement

66Positive

Balance Sheet

78Positive

Cash Flow

71Positive
Financial statement breakdown
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue34.85M32.79M42.21M31.39M32.82M30.80M
Gross Profit34.44M32.16M30.56M23.21M29.44M28.88M
EBITDA12.08M11.32M10.33M2.32M14.38M10.69M
Net Income8.68M7.25M6.40M1.40M10.35M8.04M
Balance Sheet
Total Assets1.02B1.02B977.32M975.25M1.02B1.11B
Cash, Cash Equivalents and Short-Term Investments308.34M126.51M93.36M310.87M423.26M500.73M
Total Debt0001.49M2.55M3.45M
Total Liabilities927.40M926.74M899.03M898.75M955.85M1.00B
Stockholders Equity89.59M92.05M78.29M76.51M68.04M103.73M
Cash Flow
Free Cash Flow10.87M10.86M8.72M11.45M3.93M-7.86M
Operating Cash Flow11.51M12.35M10.81M11.87M10.98M12.32M
Investing Cash Flow-83.92M18.80M16.85M91.41M-90.96M-118.84M
Financing Cash Flow1.89M23.33M-5.68M-59.16M-49.03M150.21M

Auburn National Bancorporation Technical Analysis

Technical Analysis SentimentPositive
Last Price25.93

Price Trends

50DMA26.41Negative
100DMA26.32Negative
200DMA25.04Positive

Market Momentum

MACD-0.22Positive
RSI48.11Neutral
STOCH50.03Neutral

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 25.93 is below the 20-day moving average (MA) of 26.11, below the 50-day MA of 26.41, and above the 200-day MA of 25.04, indicating a neutral trend. The MACD of -0.22 indicates Positive momentum. The RSI at 48.11 is Neutral, neither overbought nor oversold. The STOCH value of 50.03 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AUBN.

Auburn National Bancorporation Risk Analysis

Auburn National Bancorporation disclosed 58 risk factors in its most recent earnings report. Auburn National Bancorporation reported the most risks in the "Finance & Corporate" category.

Higher RiskSector Avg.Lower RiskFinance & CorporateTech & InnovationLegal & RegulatoryProductionAbility to SellMacro & Political
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

0 New Risks

Auburn National Bancorporation Peers Comparison

Overall Rating

UnderperformOutperform
Sector (68)

Financial Indicators

AUBN against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
LSBKLSBK79Outperform$147.51M16.805.85%1.91%4.31%24.65%
AUBNAUBN70Outperform$88.20M10.229.42%4.17%4.68%21.56%
UBCPUBCP69Neutral$80.58M10.6611.35%6.65%6.48%0.00%
Sector *68Neutral$18.00B11.429.92%3.81%9.73%1.22%
PBHCPBHC58Neutral$105.17M-41.150.08%2.45%-6.61%-78.36%

* Financial Sector Average

Performance Comparison

0%20%AUBNLSBKPBHCUBCPDec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
AUBN and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
AUBNAuburn National Bancorporation25.931.234.96%
LSBKLake Shore Bancorp18.824.8134.35%
PBHCPathfinder16.572.0514.13%
UBCPUnited Bancorp14.292.0716.96%

Auburn National Bancorporation Corporate Events

Dividends

Auburn National Bancorporation Declares Fourth-Quarter Cash Dividend

Positive
Nov 10, 2026

On November 10, 2026, Auburn National Bancorporation’s Board of Directors declared a fourth-quarter cash dividend of $0.27 per share. The dividend was payable December 28, 2026, to shareholders of record as of December 10, 2026.

Dividends

Auburn National Bancorp Declares Third-Quarter Cash Dividend

Positive
Aug 11, 2026

On August 11, 2026, Auburn National Bancorporation, Inc. announced that its board declared a third-quarter cash dividend of $0.27 per share. The dividend is scheduled to be paid on September 25, 2026, to shareholders of record as of September 10, 202...

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Nov 10, 2026