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 405 industry peers in the Banks industry. While AUBN seems to be doing ok healthwise, there are quite some concerns on its profitability. AUBN does not seem to be growing, but still is valued expensively. 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.

Of the past 5 years AUBN 4 years had a positive operating cash flow.

1.2 Ratios

AUBN has a Return On Assets of 0.09%. This is amonst the worse of the industry: AUBN underperforms 89.97% of its industry peers.

AUBN has a worse Return On Equity (1.01%) than 89.22% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.09%
ROE	1.01%
ROIC	N/A

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

AUBN's Profit Margin of 3.64% is on the low side compared to the rest of the industry. AUBN is outperformed by 88.97% of its industry peers.

In the last couple of years the Profit Margin of AUBN has declined.

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)	3.64%
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 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

WACC17.05%

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 358.52% over the past year.

The Earnings Per Share has been decreasing by -7.61% on average over the past years.

AUBN shows a strong growth in Revenue. In the last year, the Revenue has grown by 31.04%.

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

EPS 1Y (TTM)358.52%

EPS 3Y-6.91%

EPS 5Y-7.61%

EPS Q2Q%139.15%

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

Based on the Price/Earnings ratio of 11.17, the valuation of AUBN can be described as reasonable.

70.93% of the companies in the same industry are more expensive than AUBN, based on the Price/Earnings ratio.

AUBN is valuated cheaply when we compare the Price/Earnings ratio to 29.63, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.17
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 69.17% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	10.13
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 5.19%, which is a nice return.

Compared to an average industry Dividend Yield of 3.18, AUBN pays a better dividend. On top of this AUBN pays more dividend than 91.98% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.27, AUBN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.19%

5.2 History

The dividend of AUBN has a limited annual growth rate of 2.12%.

AUBN has been paying a dividend for at least 10 years, so it has a reliable track record.

AUBN has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)2.12%

Div Incr Years22

Div Non Decr Years29

5.3 Sustainability

AUBN pays out 443.19% of its income as dividend. This is not a sustainable payout ratio.

The Dividend Rate of AUBN has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.

DP443.19%

EPS Next 2YN/A

EPS Next 3YN/A

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AUBURN NATL BANCORPORATION

NASDAQ:AUBN (2/21/2025, 8:02:13 PM)

20.45

-0.33 (-1.59%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)04-22 2025-04-22

Inst Owners9.84%

Inst Owner Change-79.96%

Ins Owners25.32%

Ins Owner Change0.1%

Market Cap71.37M

Analysts0

Price TargetN/A

Short Float %0.19%

Short Ratio1.11

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.19%

Yearly Dividend1.08

Dividend Growth(5Y)2.12%

DP443.19%

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	11.17
Fwd PE	N/A
P/S	3.05
P/FCF	10.13
P/OCF	7.74
P/B	0.85
P/tB	0.86
EV/EBITDA	N/A

EPS(TTM)1.83

EY8.95%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.02

FCFY9.87%

OCF(TTM)2.64

OCFY12.92%

SpS6.71

BVpS24.17

TBVpS23.9

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.09%
ROE	1.01%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	3.64%
GM	N/A
FCFM	30.08%

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

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-Score5

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	119.54%
Cap/Sales	9.3%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	826.64%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC17.05%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)358.52%

EPS 3Y-6.91%

EPS 5Y-7.61%

EPS Q2Q%139.15%

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-37.45%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-28.74%

OCF growth 3YN/A

OCF growth 5YN/A

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