Auburn National Bancorporation (AUBN) AI Stock Analysis

• Market Cap: $90.63M
• Dividend Yield: 4.16%
• Average Volume (3M): 1.22K
• Price to Earnings (P/E): 12.4
• Beta (1Y): 0.18
• Revenue Growth: 24.17%
• EPS Growth: 739.42%
• Country: US
• Employees: 145
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.48
• 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: -0.41
• Enterprise Value/Revenue: -0.85
• Enterprise Value/Gross Profit: -1.15
• Enterprise Value/Ebitda: -3.37
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: $28.00 ▲(13.59% Upside)

The score is driven primarily by strengthened recent profitability and a very conservatively levered balance sheet, supported by a solid dividend yield and reasonable P/E. Offsetting factors include mixed technical momentum (near-flat trend and slightly negative MACD) and historically volatile cash flow.

Positive Factors

Balance Sheet Health

A debt-free balance sheet provides financial flexibility and reduces risk, allowing the company to invest in growth opportunities without the burden of interest obligations.

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, positioning the company for sustained expansion and profitability.

Profitability Margins

High profitability margins reflect efficient operations and pricing power, enabling the company to maintain competitive advantages and reinvest in its business.

Negative Factors

Decline in Free Cash Flow

A decline in free cash flow may limit the company's ability to fund new projects or return capital to shareholders, potentially impacting long-term growth prospects.

Rising Operational Costs

Increasing operational costs can erode profit margins, reducing the company's ability to invest in growth and compete effectively in the market.

Decline in Cash Flow Score

A lower cash flow score suggests potential challenges in cash management, which could affect liquidity and the ability to meet financial obligations.

Auburn National Bancorporation Business Overview & Revenue Model

Company Description

Auburn 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 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

Improving TTM profitability (net margin ~22% vs ~4% in 2023) and a very conservatively levered balance sheet (debt reported at $0; equity rising) support strength. Cash flow is currently solid (FCF ~$10.6M; ~0.91x net income) but has been historically volatile, which tempers the score.

Income Statement

TTM (Trailing-Twelve-Months) results show solid profitability with net income of $7.2M on $43.6M revenue and strong margins (net margin ~22%, EBIT margin ~28%). Profitability has improved materially versus 2023 (net margin ~4%), indicating a much stronger earnings run-rate. The main weakness is uneven historical growth and comparability: revenue was volatile across the period (including declines in several years), and some older margin figures appear unusually high, which reduces confidence in trend stability.

Balance Sheet

Balance sheet leverage appears very conservative with total debt reported at $0 in 2024 and TTM (Trailing-Twelve-Months), and low debt-to-equity historically (near zero). Equity increased to $89.6M TTM from $78.3M in 2024, supporting balance sheet strength. Returns are respectable and improving (return on equity ~8.6% TTM vs ~8.2% in 2024, and far above 2023), though still not exceptional, and total assets are broadly stable around ~$1.0B.

Cash Flow

Cash generation is generally healthy: TTM (Trailing-Twelve-Months) operating cash flow is $11.6M and free cash flow is $10.6M, with free cash flow covering most of net income (free cash flow to net income ~0.91). However, free cash flow has been volatile (negative in 2021, weaker in 2022, then stronger in 2023 and TTM), and the provided operating cash flow coverage ratio is consistently very low (~0.01 range), which is a caution flag on cash flow quality/consistency based on the dataset.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	43.55M	42.21M	31.39M	32.82M	30.80M	33.57M
Gross Profit	32.34M	30.56M	23.21M	29.44M	28.88M	28.61M
EBITDA	11.04M	10.33M	2.32M	14.38M	10.69M	10.72M
Net Income	7.15M	6.40M	1.40M	10.35M	8.04M	7.45M
Balance Sheet
Total Assets	1.01B	977.32M	975.25M	1.02B	1.11B	956.60M
Cash, Cash Equivalents and Short-Term Investments	142.93M	93.36M	310.87M	423.26M	500.73M	419.19M
Total Debt	0.00	0.00	1.49M	2.55M	3.45M	2.39M
Total Liabilities	921.57M	899.03M	898.75M	955.85M	1.00B	848.91M
Stockholders Equity	89.61M	78.29M	76.51M	68.04M	103.73M	107.69M
Cash Flow
Free Cash Flow	10.64M	8.72M	11.45M	3.93M	-7.86M	1.37M
Operating Cash Flow	11.65M	10.81M	11.87M	10.98M	12.32M	9.73M
Investing Cash Flow	29.68M	16.85M	91.41M	-90.96M	-118.84M	-102.92M
Financing Cash Flow	11.77M	-5.68M	-59.16M	-49.03M	150.21M	113.33M

Auburn National Bancorporation Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 24.65
• 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 24.65 is below the 20-day moving average (MA) of 25.27, below the 50-day MA of 25.53, and above the 200-day MA of 24.36, indicating a bullish trend. The MACD of -0.05 indicates Negative momentum. The RSI at 52.95 is Neutral, neither overbought nor oversold. The STOCH value of 44.81 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
LSBK	78 Outperform	$118.00M	15.73	6.28%	2.12%	2.27%	66.15%
AUBN	69 Neutral	$90.63M	12.36	8.22%	4.16%	24.17%	739.42%
UBCP	69 Neutral	$82.28M	10.05	10.91%	6.51%	6.31%	-5.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IROQ	59 Neutral	$91.23M	17.03	6.20%	1.48%	1.93%	157.35%
PBHC	54 Neutral	$80.89M	-13.75	2.26%	2.86%	0.84%	―

Auburn National Bancorporation Corporate Events

Auburn National Bancorporation Declares Q4 Cash Dividend

On November 12, 2025, Auburn National Bancorporation, Inc. announced a fourth quarter cash dividend of $0.27 per share, to be paid on December 26, 2025, to shareholders of record as of December 10, 2025. This declaration reflects the company’s ongoing commitment to providing returns to its shareholders, potentially enhancing its attractiveness to investors and reinforcing its stable financial position in the banking sector.

The most recent analyst rating on (AUBN) stock is a Buy with a $28.00 price target. To see the full list of analyst forecasts on Auburn National Bancorporation stock, see the AUBN Stock Forecast page.