Auburn National Bancorporation (AUBN) AI Stock Analysis

• Market Cap: $73.40M
• Dividend Yield: 4.16%
• Average Volume (3M): 1.22K
• Price to Earnings (P/E): 14.1
• Beta (1Y): 0.24
• 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: 0.95
• Price to Book (P/B): 1.02
• Price to Sales (P/S): 2.87
• P/FCF Ratio: 8.67
• Enterprise Value/Market Cap: 0.79
• Enterprise Value/Revenue: 1.40
• Enterprise Value/Gross Profit: 1.80
• Enterprise Value/Ebitda: 5.64
• 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: 66 Neutral
• Price Target: $22.50 ▼(-8.72% Downside)
• Action: Reiterated Date: 03/21/26
• Date: Action: Reiterated 03/21/26

The score is driven primarily by improving profitability and steady operating cash generation alongside a conservative balance sheet, supported by attractive income/valuation (5.14% dividend yield and ~13 P/E) and positive capital-return actions (buyback authorization). Offsetting these positives, technicals are weak with the stock below key moving averages and bearish momentum indicators.

Positive Factors

Conservative balance sheet

Very low debt-to-equity and rising equity from 2022–2025 provide durable capital stability for a regional bank, lowering insolvency risk and preserving lending flexibility through cycles. This structural conservatism supports long-term resilience to shocks and regulatory constraints.

Consistent operating cash generation

Stable, positive operating cash flow over multiple years demonstrates high-quality earnings and internal funding capacity for lending and dividends. Reliable cash generation reduces dependence on external funding and supports strategic initiatives and capital returns over the medium term.

Active capital-return policy

A renewed $5M repurchase authorization plus a maintained quarterly dividend indicate disciplined capital allocation and shareholder-friendly policy. Over time buybacks and steady dividends can reduce share count and signal confidence in balance-sheet capacity to support returns.

Negative Factors

Revenue volatility

A ~25% revenue drop in 2025 after 2024's strength highlights structural sensitivity to rate and credit cycles for regional banks. Persistent top-line volatility can undermine earnings durability, constrain reinvestment, and make long-term planning and margin maintenance more difficult.

Credit concentration / provisioning risk

Provisions driven by just two loan relationships point to concentration and idiosyncratic credit risk in the loan book. Such concentration can produce step-change reserve needs and episodic earnings pressure, undermining predictability of net income across cycles.

Small regional scale limits diversification

A small regional footprint and limited scale constrain diversification of loan and deposit mixes, product reach, and operational leverage. This structural limitation can cap growth, amplify local economic sensitivity, and limit cost efficiencies versus larger peers over the medium term.

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 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 and other funding sources, with the spread between the two representing a key driver of earnings. Additional revenue comes from noninterest income, which can include service charges and fees associated with deposit accounts and other banking services, and other fee-based activities generated by the bank. Earnings are influenced by loan and deposit volumes, credit performance (including provision for loan losses), interest-rate conditions that affect asset yields and funding costs, and operating expenses.

Auburn National Bancorporation Financial Statement Overview

Summary

Profitability rebounded strongly from the 2023 trough (materially higher net and EBIT margins in 2024–2025) and operating cash flow stayed consistently positive, supported by conservative leverage and rising equity. The main constraint is revenue volatility, including a sharp decline in 2025, which can drive uneven earnings for a regional bank.

Income Statement

Profitability rebounded strongly versus 2023 (net margin improved from ~4% in 2023 to ~15% in 2024 and ~22% in 2025), and operating profitability also recovered meaningfully (EBIT margin ~28% in 2025 vs ~2% in 2023). However, the top line is volatile and recently pressured: revenue fell ~25% in 2025 after a strong 2024, indicating earnings durability may be sensitive to rate/credit cycle dynamics typical for regional banks.

Balance Sheet

The balance sheet shows conservative leverage with very low reported debt relative to equity across the period (debt-to-equity near zero to ~0.04), and equity increased from 2022 through 2025, supporting capital stability. Returns on equity are solid in 2024–2025 (~8%) but well below the 2022 peak (~15%) and were weak in 2023 (~2%), highlighting that profitability (rather than leverage) is the main swing factor.

Cash Flow

Operating cash flow is consistently positive and generally stable (~$9.7M–$12.3M from 2020–2025), supporting earnings quality. Free cash flow is more volatile, including a negative year in 2021, but has improved with strong positive levels in 2023–2025; still, 2024 showed a decline in free cash flow versus 2023, suggesting periodic working-capital or reinvestment swings.

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

• Technical Analysis Sentiment: Negative
• Last Price: 24.65
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AUBN, the sentiment is Negative. The current price of 24.65 is above the 20-day moving average (MA) of 24.07, above the 50-day MA of 24.59, and below the 200-day MA of 24.87, indicating a bearish trend. The MACD of -0.40 indicates Positive momentum. The RSI at 31.33 is Neutral, neither overbought nor oversold. The STOCH value of 46.50 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AUBN.

Auburn National Bancorporation Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AUBN	66 Neutral	$73.40M	14.14	8.33%	4.16%	24.17%	739.42%
UBCP	66 Neutral	$94.30M	10.17	12.01%	6.51%	6.31%	-5.00%
LSBK	63 Neutral	$114.92M	15.00	6.26%	2.12%	2.27%	66.15%
PBHC	54 Neutral	$79.96M	-25.99	-2.75%	2.86%	0.84%	―

Auburn National Bancorporation Corporate Events

Auburn National Bancorporation Authorizes New $5 Million Buyback

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 authorization runs until the earlier of spending the full $5 million, any plan termination or replacement, or February 28, 2027, and allows buybacks via open‑market trades, private and negotiated deals, or block purchases.

The company is not obligated to repurchase a specific number of shares and may suspend or end the program at any time, with timing and size of repurchases contingent on liquidity, stock price relative to perceived intrinsic value, and regulatory and legal considerations. The move signals continued capital management efforts that could support the stock by reducing share count over time, while preserving flexibility for the bank to respond to market and balance‑sheet conditions.

The most recent analyst rating on (AUBN) stock is a Hold 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.

Auburn National Bancorporation Declares First-Quarter Cash Dividend

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 the company’s ongoing return of capital to shareholders and reflects continued operational stability for this regional banking institution.

The most recent analyst rating on (AUBN) stock is a Hold 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.