Auburn National Bancorporation (AUBN)
NASDAQ:AUBN
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Auburn National Bancorporation
(NASDAQ:AUBN)
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Rating:66Neutral
Price Target:
$25.00
▲(1.42% Upside)
Action:ReiteratedDate:03/27/26
The score is driven primarily by improving profitability, steady operating cash flow, and a conservative balance sheet, partially offset by revenue volatility. Technicals are a meaningful drag with the stock trading below major moving averages and negative MACD, while valuation and recent capital-return events (dividend and buyback) provide support.
Positive Factors
Conservative Balance Sheet
Very low debt-to-equity (near zero to ~0.04) and growing equity through 2025 indicate strong capital stability. This conservatism supports regulatory flexibility, absorbs local credit shocks, and underpins the bank's ability to maintain dividends or repurchase shares without stressing solvency over the medium term.
Negative Factors
Revenue Volatility
A sharp ~25% revenue decline in 2025 highlights material top-line sensitivity to rate and credit cycles. For a regional bank, revenue swings can quickly translate into uneven earnings, making forecasting, dividend sustainability, and capital planning more uncertain across a 2–6 month horizon and beyond.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Very low debt-to-equity (near zero to ~0.04) and growing equity through 2025 indicate strong capital stability. This conservatism supports regulatory flexibility, absorbs local credit shocks, and underpins the bank's ability to maintain dividends or repurchase shares without stressing solvency over the medium term.
Read all positive factors
Auburn National Bancorporation (AUBN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$82.96M
Dividend Yield4.16%
Average Volume (3M)1.22K
Price to Earnings (P/E)13.0
Beta (1Y)0.16
Revenue Growth24.17%
EPS Growth739.42%
CountryUS
Employees145
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.48
Shares Outstanding3,493,699
10 Day Avg. Volume826
30 Day Avg. Volume1,221
Financial Highlights & Ratios
PEG Ratio0.95
Price to Book (P/B)1.02
Price to Sales (P/S)2.87
P/FCF Ratio8.67
Enterprise Value/Market Cap0.81
Enterprise Value/Revenue1.63
Enterprise Value/Gross Profit2.09
Enterprise Value/Ebitda6.57
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 account...
How the Company Makes Money
Auburn National Bancorporation primarily makes money through AuburnBank’s banking operations. The core revenue stream is net interest income: the bank earns interest and fees on loans and other interest-earning assets and pays interest on deposits...
Auburn National Bancorporation Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
78
Positive
Cash Flow
66
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 32.79M | 42.21M | 31.39M | 32.82M | 30.80M |
| Gross Profit | 32.16M | 30.56M | 23.21M | 29.44M | 28.88M |
| EBITDA | 11.32M | 10.33M | 2.32M | 14.38M | 10.69M |
| Net Income | 7.25M | 6.40M | 1.40M | 10.35M | 8.04M |
Balance Sheet | |||||
| Total Assets | 1.02B | 977.32M | 975.25M | 1.02B | 1.11B |
| Cash, Cash Equivalents and Short-Term Investments | 43.66M | 93.36M | 310.87M | 423.26M | 500.73M |
| Total Debt | 6.71M | 0.00 | 1.49M | 2.55M | 3.45M |
| Total Liabilities | 926.74M | 899.03M | 898.75M | 955.85M | 1.00B |
| Stockholders Equity | 92.05M | 78.29M | 76.51M | 68.04M | 103.73M |
Cash Flow | |||||
| Free Cash Flow | 10.86M | 8.72M | 11.45M | 3.93M | -7.86M |
| Operating Cash Flow | 12.35M | 10.81M | 11.87M | 10.98M | 12.32M |
| Investing Cash Flow | 18.80M | 16.85M | 91.41M | -90.96M | -118.84M |
| Financing Cash Flow | 23.33M | -5.68M | -59.16M | -49.03M | 150.21M |
Auburn National Bancorporation Technical Analysis
Positive
24.65
Price Trends
24.16
Negative
24.66
Negative
25.03
Negative
Market Momentum
-0.14
Negative
50.20
Neutral
61.71
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 above the 20-day moving average (MA) of 23.48, above the 50-day MA of 24.16, and below the 200-day MA of 25.03, indicating a neutral trend. The MACD of -0.14 indicates Negative momentum. The RSI at 50.20 is Neutral, neither overbought nor oversold. The STOCH value of 61.71 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.
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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $82.96M | 12.98 | 8.27% | 4.16% | 24.17% | 739.42% | |
66 Neutral | $93.38M | 10.17 | 12.01% | 6.51% | 6.31% | -5.00% | |
63 Neutral | $121.09M | 15.00 | 6.26% | 2.12% | 2.27% | 66.15% | |
51 Neutral | $85.84M | -25.99 | -2.75% | 2.86% | 0.84% | ― |
* Financial Sector Average
AUBN
Auburn National Bancorporation
23.75
4.63
24.21%
LSBK
Lake Shore Bancorp
15.69
5.37
52.03%
PBHC
Pathfinder Bancorp
13.72
-1.20
-8.02%
UBCP
United Bancorp
16.22
4.28
35.89%
Auburn National Bancorporation Corporate Events
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
Auburn National Expands Board, Elects Jeff Evans Director
Positive
Mar 26, 2026
On March 26, 2026, Auburn National Bancorporation, Inc., parent of AuburnBank, expanded its boards of directors to 12 members and elected Jeff Evans as a director of both the company and the bank. Evans, who leads Evans Realty and J L Contractors...
Business Operations and StrategyStock Buyback
Auburn National Bancorporation Authorizes New $5 Million Buyback
Positive
Mar 17, 2026
On March 17, 2026, Auburn National Bancorporation, Inc. announced that its board had authorized a new stock repurchase program of up to $5 million of its outstanding common shares, replacing a prior program that expired on April 15, 2024. The auth...
Dividends
Auburn National Bancorporation Declares First-Quarter Cash Dividend
Positive
Feb 11, 2026
On February 10, 2026, Auburn National Bancorporation, Inc.’s board declared a first‑quarter cash dividend of $0.27 per share, payable on March 25, 2026, to shareholders of record as of March 10, 2026. The announced dividend underscores...
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.