AUBURN NATL BANCORPORATION(NASDAQ:AUBN) stock Fundamental Analysis

Fundamental Rating

Overall AUBN gets a fundamental rating of 3 out of 10. We evaluated AUBN against 398 industry peers in the Banks industry. The financial health of AUBN is average, but there are quite some concerns on its profitability. AUBN is valued expensive and it does not seem to be growing. Finally AUBN also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

AUBN had positive earnings in the past year.

In the past year AUBN had a positive cash flow from operations.

In the past 5 years AUBN has always been profitable.

Each year in the past 5 years AUBN had a positive operating cash flow.

1.2 Ratios

AUBN has a worse Return On Assets (0.65%) than 63.57% of its industry peers.

The Return On Equity of AUBN (8.17%) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.65%
ROE	8.17%
ROIC	N/A

ROA(3y)0.6%

ROA(5y)0.66%

ROE(3y)8.4%

ROE(5y)7.98%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of AUBN (20.91%) is comparable to the rest of the industry.

AUBN's Profit Margin has declined in the last couple of years.

AUBN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	20.91%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.74%

PM growth 5Y-7.5%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

AUBN does not have a ROIC to compare to the WACC, probably because it is not profitable.

AUBN has about the same amout of shares outstanding than it did 1 year ago.

Compared to 5 years ago, AUBN has less shares outstanding

AUBN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

AUBN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC21.34%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 358.55% over the past year.

Measured over the past years, AUBN shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.61% on average per year.

Looking at the last year, AUBN shows a very strong growth in Revenue. The Revenue has grown by 31.04%.

The Revenue has been decreasing by -0.61% on average over the past years.

EPS 1Y (TTM)358.55%

EPS 3Y-6.91%

EPS 5Y-7.61%

EPS Q2Q%139.14%

Revenue 1Y (TTM)31.04%

Revenue growth 3Y2.66%

Revenue growth 5Y-0.61%

Sales Q2Q%1140.32%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.87, which indicates a very decent valuation of AUBN.

Compared to the rest of the industry, the Price/Earnings ratio of AUBN indicates a somewhat cheap valuation: AUBN is cheaper than 65.83% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 28.79, AUBN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.87
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, AUBN is valued a bit cheaper than the industry average as 78.89% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	7.96
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

AUBN has a Yearly Dividend Yield of 5.54%, which is a nice return.

Compared to an average industry Dividend Yield of 3.54, AUBN pays a better dividend. On top of this AUBN pays more dividend than 88.44% of the companies listed in the same industry.

AUBN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.47.

		Industry Rank	Sector Rank
Dividend Yield	5.54%

5.2 History

The dividend of AUBN has a limited annual growth rate of 1.67%.

AUBN has paid a dividend for at least 10 years, which is a reliable track record.

AUBN has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)1.67%

Div Incr Years22

Div Non Decr Years29

5.3 Sustainability

58.98% of the earnings are spent on dividend by AUBN. This is a bit on the high side, but may be sustainable.

AUBN's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.

DP58.98%

EPS Next 2YN/A

EPS Next 3YN/A

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AUBURN NATL BANCORPORATION

NASDAQ:AUBN (4/25/2025, 8:00:00 PM)

19.89

+0.41 (+2.1%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-03 2025-02-03

Earnings (Next)04-29 2025-04-29

Inst Owners9.84%

Inst Owner Change0%

Ins Owners25.32%

Ins Owner Change0.08%

Market Cap69.42M

Analysts0

Price TargetN/A

Short Float %0.16%

Short Ratio1.71

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.54%

Yearly Dividend1.08

Dividend Growth(5Y)1.67%

DP58.98%

Div Incr Years22

Div Non Decr Years29

Ex-Date03-10 2025-03-10 (0.27)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	10.87
Fwd PE	N/A
P/S	2.27
P/FCF	7.96
P/OCF	6.42
P/B	0.89
P/tB	0.9
EV/EBITDA	N/A

EPS(TTM)1.83

EY9.2%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.5

FCFY12.56%

OCF(TTM)3.1

OCFY15.57%

SpS8.77

BVpS22.43

TBVpS22.18

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.65%
ROE	8.17%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	20.91%
GM	N/A
FCFM	28.5%

ROA(3y)0.6%

ROA(5y)0.66%

ROE(3y)8.4%

ROE(5y)7.98%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.74%

PM growth 5Y-7.5%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	108.07%
Cap/Sales	6.83%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	136.31%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC21.34%

ROIC/WACCN/A

Cap/Depr(3y)197.81%

Cap/Depr(5y)544.29%

Cap/Sales(3y)9.85%

Cap/Sales(5y)25.81%

Profit Quality(3y)332.5%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)358.55%

EPS 3Y-6.91%

EPS 5Y-7.61%

EPS Q2Q%139.14%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)31.04%

Revenue growth 3Y2.66%

Revenue growth 5Y-0.61%

Sales Q2Q%1140.32%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-24.07%

FCF growth 3YN/A

FCF growth 5Y-0.72%

OCF growth 1Y-9.18%

OCF growth 3Y-4.27%

OCF growth 5Y-0.08%

AUBURN NATL BANCORPORATION (AUBN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens