Auburn National Bancorporation (AUBN) AI Stock Analysis

• Market Cap: $80.81M
• Dividend Yield: 4.67%
• Average Volume (3M): 2.44K
• Price to Earnings (P/E): 12.3
• Beta (1Y): 0.06
• Revenue Growth: 22.78%
• EPS Growth: 722.30%
• Country: US
• Employees: 145
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.44
• Shares Outstanding: 3,493,699
• 10 Day Avg. Volume: 2,126
• 30 Day Avg. Volume: 2,440
• PEG Ratio: 1.57
• Price to Book (P/B): 2.02
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 21.00
• Enterprise Value/Market Cap: 1.54
• Enterprise Value/Revenue: 0.91
• Enterprise Value/Gross Profit: 4.07
• Enterprise Value/Ebitda: 3.99
• 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, 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 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	42.21M	31.39M	32.67M	30.80M	29.71M
Gross Profit	30.60M	15.11M	29.44M	28.28M	29.71M
EBITDA	10.33M	2.32M	14.38M	10.69M	10.72M
Net Income	6.40M	1.40M	10.35M	8.04M	7.45M
Balance Sheet
Total Assets	977.32M	975.25M	1.07B	1.07B	956.60M
Cash, Cash Equivalents and Short-Term Investments	56.16M	310.87M	423.26M	500.73M	419.19M
Total Debt	0.00	2.00M	3.16M	4.16M	3.20M
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: 23.13
• 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 23.13 is above the 20-day moving average (MA) of 22.71, above the 50-day MA of 21.08, and above the 200-day MA of 21.15, indicating a bullish trend. The MACD of 0.94 indicates Negative momentum. The RSI at 54.24 is Neutral, neither overbought nor oversold. The STOCH value of 39.47 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
FUSB	74 Outperform	$72.07M	9.77	8.10%	2.23%	5.04%	-6.92%
UBCP	73 Outperform	$82.62M	11.56	11.29%	5.19%	5.81%	-22.37%
LSBK	73 Outperform	$90.35M	18.33	5.61%	4.52%	1.62%	21.82%
BOTJ	71 Outperform	$63.02M	9.55	10.25%	2.88%	12.23%	-25.92%
IROQ	70 Outperform	$81.38M	23.77	4.35%	1.65%	11.65%	67.39%
AUBN	70 Neutral	$80.81M	12.33	8.32%	4.67%	22.78%	722.30%
Sector *	67 Neutral	$17.01B	11.90	9.70%	3.76%	11.63%	-9.47%