tiprankstipranks
Trending News
More News >
Auburn National Bancorporation (AUBN)
:AUBN
US Market

Auburn National Bancorporation (AUBN) AI Stock Analysis

Compare
125 Followers

Top Page

AU

Auburn National Bancorporation

(NASDAQ:AUBN)

Rating:70Neutral
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 (AUBN) vs. SPDR S&P 500 ETF (SPY)

Auburn National Bancorporation Business Overview & Revenue Model

Company DescriptionAuburn 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, savings, and transaction deposit accounts, as well as certificates of deposit. It also provides commercial, financial, agricultural, real estate construction, and consumer loan products; and other financial services. In addition, the company offers automated teller services; debit cards; online banking, bill payment, and other electronic services; and safe deposit boxes. It operates through seven full-service branches in Auburn, Opelika, Notasulga, and Valley, Alabama; as well as loan production offices in Auburn and Phenix City, Alabama. Auburn National Bancorporation, Inc. was founded in 1907 and is headquartered in Auburn, Alabama.
How the Company Makes MoneyAuburn 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
72
Positive
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
85
Very Positive
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
68
Positive
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 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
30.60M23.35M3.23M28.28M29.71M
Gross Profit
30.60M15.11M3.23M28.28M29.71M
EBIT
8.40M6.81M15.23M9.45M9.06M
EBITDA
10.33M2.32M14.38M10.69M10.72M
Net Income Common Stockholders
6.40M1.40M10.35M8.04M7.45M
Balance SheetCash, Cash Equivalents and Short-Term Investments
56.16M310.87M423.26M500.73M419.19M
Total Assets
977.32M975.25M1.07B1.07B956.60M
Total Debt
0.002.00M3.16M4.16M3.20M
Net Debt
-56.15M-39.96M-14.79M-74.68M-80.81M
Total Liabilities
899.03M898.75M991.81M1.00B850.80M
Stockholders Equity
78.29M76.51M82.92M105.92M107.69M
Cash FlowFree Cash Flow
8.72M11.45M3.93M-7.86M1.37M
Operating Cash Flow
10.81M11.87M10.98M12.32M9.73M
Investing Cash Flow
16.85M91.41M-90.96M-118.84M-102.92M
Financing Cash Flow
-5.68M-59.16M-49.03M150.21M113.33M

Auburn National Bancorporation Technical Analysis

Technical Analysis Sentiment
Positive
Last Price21.55
Price Trends
50DMA
20.45
Positive
100DMA
20.78
Positive
200DMA
21.00
Positive
Market Momentum
MACD
0.26
Negative
RSI
59.30
Neutral
STOCH
93.38
Negative
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 21.55 is above the 20-day moving average (MA) of 20.66, above the 50-day MA of 20.45, and above the 200-day MA of 21.00, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 59.30 is Neutral, neither overbought nor oversold. The STOCH value of 93.38 is Negative, 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.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 1 New Risks
1.
behaviors and competitive pressures. Q4, 2022

Auburn National Bancorporation Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
$64.74M9.8110.25%3.51%12.23%-25.92%
70
Neutral
$75.29M11.488.32%5.01%22.78%722.30%
67
Neutral
$72.53M9.838.10%1.90%5.04%-6.92%
64
Neutral
$12.86B9.797.78%16985.65%12.28%-7.82%
63
Neutral
$89.90M18.245.61%4.54%1.75%22.21%
59
Neutral
$81.38M23.774.35%1.65%11.65%67.39%
59
Neutral
$79.03M11.0611.29%5.24%5.81%-22.37%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AUBN
Auburn National Bancorporation
21.65
3.56
19.68%
BOTJ
Bank Of The Jame Financial
14.30
3.71
35.03%
IROQ
IF Bancorp
23.86
7.49
45.75%
LSBK
Lake Shore Bancorp
15.80
3.38
27.21%
UBCP
United Bancorp
13.73
2.40
21.18%
FUSB
First US Bancshares
12.52
2.22
21.55%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.