Auburn National Bancorporation (AUBN) AI Stock Analysis

• Market Cap: $77.06M
• Dividend Yield: 4.99%
• Average Volume (3M): 1.76K
• Price to Earnings (P/E): 11.8
• Beta (1Y): -0.04
• Revenue Growth: 22.78%
• EPS Growth: 722.30%
• Country: US
• Employees: 145
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 0.44
• Shares Outstanding: 3,493,699
• 10 Day Avg. Volume: 3,526
• 30 Day Avg. Volume: 1,762
• PEG Ratio: -0.62
• Price to Book (P/B): 0.97
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 6.50
• Enterprise Value/Market Cap: 0.47
• Enterprise Value/Revenue: 0.31
• Enterprise Value/Gross Profit: 1.19
• Enterprise Value/Ebitda: 0.84
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 70 Neutral
• Price Target: ―

Auburn National Bancorporation demonstrates a solid financial foundation with strong revenue growth and zero debt, which are significant strengths. However, technical indicators suggest weak momentum, which is a concern. The stock is favorably valued with a low P/E ratio and high dividend yield, making it attractive for income-focused investors. Overall, the company's strong financials and attractive valuation are balanced by weaker technical indicators, resulting in a moderate overall score.

Auburn National Bancorporation Business Overview & Revenue Model

Company Description

Auburn National Bancorporation (AUBN) is a financial holding company that operates primarily through its wholly-owned subsidiary, AuburnBank. Founded in Auburn, Alabama, AuburnBank provides a wide range of banking services to individuals and businesses in its community. The bank's offerings include personal and business deposit accounts, consumer and commercial loans, mortgage lending, and investment services. As a community-focused institution, AuburnBank emphasizes personalized customer service and local decision-making to meet the financial needs of its clients.

How the Company Makes Money

Auburn National Bancorporation makes money primarily through its subsidiary, AuburnBank, by earning interest on loans and investments and collecting fees for banking services. The bank generates revenue from interest income on loans extended to individuals and businesses, such as mortgages, personal loans, and commercial loans. Additionally, AuburnBank earns interest income from its investment securities portfolio. Non-interest income is another significant revenue stream, derived from service charges on deposit accounts, fees from asset management and brokerage services, and other financial services. The bank also benefits from partnerships with financial service providers, allowing it to offer a broader range of products while earning additional fee income.

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
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
30.60M	23.35M	3.23M	28.28M	29.71M
	Gross Profit
30.60M	15.11M	3.23M	28.28M	29.71M
	EBIT
8.40M	6.81M	15.23M	9.45M	9.06M
	EBITDA
10.33M	2.32M	14.38M	10.69M	10.72M
	Net Income Common Stockholders
6.40M	1.40M	10.35M	8.04M	7.45M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
56.16M	310.87M	423.26M	500.73M	419.19M
	Total Assets
977.32M	975.25M	1.07B	1.07B	956.60M
	Total Debt
0.00	2.00M	3.16M	4.16M	3.20M
	Net Debt
-56.15M	-39.96M	-14.79M	-74.68M	-80.81M
	Total Liabilities
899.03M	898.75M	991.81M	1.00B	850.80M
	Stockholders Equity
78.29M	76.51M	82.92M	105.92M	107.69M
Cash Flow		Free Cash Flow
8.72M	11.45M	3.93M	-7.86M	1.37M
	Operating Cash Flow
10.81M	11.87M	10.98M	12.32M	9.73M
	Investing Cash Flow
16.85M	91.41M	-90.96M	-118.84M	-102.92M
	Financing Cash Flow
-5.68M	-59.16M	-49.03M	150.21M	113.33M

Auburn National Bancorporation Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 22.06
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 22.06 is above the 20-day moving average (MA) of 20.59, above the 50-day MA of 20.22, and above the 200-day MA of 20.78, indicating a bullish trend. The MACD of 0.41 indicates Negative momentum. The RSI at 62.56 is Neutral, neither overbought nor oversold. The STOCH value of 73.24 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
BOTJ	72 Outperform	$64.74M	9.81	10.25%	2.81%	12.23%	-25.92%
AUBN	70 Neutral	$77.06M	11.75	8.32%	4.99%	22.78%	722.30%
FUSB	67 Neutral	$72.33M	9.80	8.10%	1.92%	5.04%	-6.92%
Sector *	64 Neutral	$12.85B	9.81	7.79%	78.20%	12.23%	-7.93%
LSBK	63 Neutral	$89.61M	18.18	5.61%	4.56%	1.75%	22.21%
IROQ	59 Neutral	$80.65M	23.56	4.35%	1.66%	11.65%	67.39%
UBCP	59 Neutral	$77.38M	10.83	11.29%	5.21%	5.81%	-22.37%