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Financial Services - Banks - Regional - NASDAQ - US
$ 20.58
-0.676 %
$ 71.9 M
Market Cap
11.25
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one AUBN stock under the worst case scenario is HIDDEN Compared to the current market price of 20.6 USD, Auburn National Bancorporation, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one AUBN stock under the base case scenario is HIDDEN Compared to the current market price of 20.6 USD, Auburn National Bancorporation, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one AUBN stock under the best case scenario is HIDDEN Compared to the current market price of 20.6 USD, Auburn National Bancorporation, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart AUBN

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$24.5$24.5$24.0$24.0$23.5$23.5$23.0$23.0$22.5$22.5$22.0$22.0$21.5$21.5$21.0$21.0$20.5$20.5$20.0$20.0$19.5$19.515 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
30.6 M REVENUE
31.06%
0 OPERATING INCOME
0.00%
6.4 M NET INCOME
358.57%
10.8 M OPERATING CASH FLOW
-8.93%
16.9 M INVESTING CASH FLOW
-81.56%
-5.68 M FINANCING CASH FLOW
90.40%
7.81 M REVENUE
2.33%
0 OPERATING INCOME
0.00%
1.56 M NET INCOME
-9.93%
2.8 M OPERATING CASH FLOW
48.70%
7.57 M INVESTING CASH FLOW
-60.32%
-6.84 M FINANCING CASH FLOW
85.00%
Balance Sheet Auburn National Bancorporation, Inc.
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Current Assets 56.2 M
Cash & Short-Term Investments 56.2 M
Receivables 0
Other Current Assets 0
Non-Current Assets 921 M
Long-Term Investments 243 M
PP&E 45.9 M
Other Non-Current Assets 632 M
5.75 %24.87 %4.70 %64.69 %Total Assets$977.3m
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 0
Long-Term Debt 0
Other Non-Current Liabilities 0
Total Liabilities$0.0
EFFICIENCY
Earnings Waterfall Auburn National Bancorporation, Inc.
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Revenue 30.6 M
Cost Of Revenue 0
Gross Profit 30.6 M
Operating Expenses 30.6 M
Operating Income 0
Other Expenses -6.4 M
Net Income 6.4 M
35m35m30m30m25m25m20m20m15m15m10m10m5m5m0031m031m(31m)06m6mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
0.00% OPERATING MARGIN
0.00%
20.91% NET MARGIN
20.91%
8.17% ROE
8.17%
0.65% ROA
0.65%
0.00% ROIC
0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Auburn National Bancorporation, Inc.
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12m12m10m10m8m8m6m6m4m4m2m2m00(2m)(2m)(4m)(4m)(6m)(6m)(8m)(8m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 6.4 M
Depreciation & Amortization 1.93 M
Capital Expenditures -2.09 M
Stock-Based Compensation 0
Change in Working Capital 578 K
Others 2.04 M
Free Cash Flow 8.72 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Auburn National Bancorporation, Inc.
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AUBN has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.15% DIVIDEND YIELD
0.27 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.2001.2001.0001.0000.8000.8000.6000.6000.4000.4000.2000.2000.0000.0000.220.2250.230.240.250.2550.260.2650.270.270.270.220.2250.230.240.250.2550.260.2650.270.270.220.2250.230.240.250.2550.260.2650.270.270.220.880.2250.900.230.920.240.960.251.000.2551.020.261.040.2651.060.271.080.271.080.272015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership Auburn National Bancorporation, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
12.3 K USD 5
0-3 MONTHS
9.96 K USD 5
3-6 MONTHS
47.7 K USD 7
6-9 MONTHS
185 K USD 6
9-12 MONTHS
7. News
Auburn National Bancorporation, Inc. Declares Quarterly Dividend AUBURN, Ala., Feb. 11, 2025 (GLOBE NEWSWIRE) -- On February 11, 2025, the Board of Directors of Auburn National Bancorporation, Inc. (the “Company”) (Nasdaq: AUBN) declared a first quarter $0.27 per share cash dividend, payable March 25, 2025 to shareholders of record as of March 10, 2025. globenewswire.com - 2 months ago
Auburn National Bancorporation, Inc. Declares Quarterly Dividend AUBURN, Ala., Nov. 12, 2024 (GLOBE NEWSWIRE) -- On November 12, 2024, the Board of Directors of Auburn National Bancorporation, Inc. (the “Company”) (Nasdaq: AUBN) declared a fourth quarter $0.27 per share cash dividend, payable December 26, 2024 to shareholders of record as of December 10, 2024. globenewswire.com - 5 months ago
Auburn National Bancorporation, Inc. Declares Quarterly Dividend AUBURN, Ala., Aug. 13, 2024 (GLOBE NEWSWIRE) -- On August 13, 2024, the Board of Directors of Auburn National Bancorporation, Inc. (the “Company”) (Nasdaq: AUBN) declared a third quarter $0.27 per share cash dividend, payable September 25, 2024 to shareholders of record as of September 10, 2024. globenewswire.com - 8 months ago
Auburn National Bancorporation, Inc. Declares Quarterly Dividend AUBURN, Ala., May 14, 2024 (GLOBE NEWSWIRE) -- On May 14, 2024, the Board of Directors of Auburn National Bancorporation, Inc. (the “Company”) (Nasdaq: AUBN) declared a second quarter $0.27 per share cash dividend, payable June 25, 2024 to shareholders of record as of June 10, 2024. globenewswire.com - 11 months ago
Auburn National Bancorporation, Inc. Reports First Quarter Net Earnings First Quarter 2024 Highlights(1): Net income of $1.4 million, or $0.39 per share Net interest income (tax-equivalent) was $6.7 million, an increase of $0.5 million, or 8% Net interest margin (tax-equivalent) increased 39 basis points to 3.04% Annualized loan growth of 7% Strong credit quality – Nonperforming assets to total assets were 0.09% Period-end deposits increased by $3.4 million to $899.7 million AUBURN, Ala., April 24, 2024 (GLOBE NEWSWIRE) -- Auburn National Bancorporation, Inc. (Nasdaq: AUBN) reported net earnings of $1.4 million, or $0.39 per share, for the first quarter of 2024, compared to a net loss of $(4.0) million, or $(1.14) per share, for the fourth quarter of 2023 and net earnings of $2.0 million, or $0.56 per share, for the first quarter of 2023. globenewswire.com - 11 months ago
Auburn National Bancorporation, Inc. Elects Two New Directors AUBURN, Ala, March 29, 2024 (GLOBE NEWSWIRE) -- Auburn National Bancorporation, Inc. (the “Company”) (Nasdaq: AUBN), the parent company of AuburnBank (the “Bank”), announced that Sandra J. Spencer and Michael A. Lawler have been elected effective March 29, 2024 to the Board of Directors for both the Company and the Bank. globenewswire.com - 1 year ago
Auburn National Bancorporation, Inc. Declares Quarterly Dividend AUBURN, Ala., Feb. 13, 2024 (GLOBE NEWSWIRE) -- On February 13, 2024, the Board of Directors of Auburn National Bancorporation, Inc. (the “Company”) (Nasdaq: AUBN) declared a first quarter $0.27 per share cash dividend, payable March 25, 2024 to shareholders of record as of March 8, 2024. globenewswire.com - 1 year ago
Auburn National Bancorporation, Inc. Reports Fourth Quarter and Full Year Results AUBURN, Ala., Jan. 29, 2024 (GLOBE NEWSWIRE) -- Auburn National Bancorporation (Nasdaq: AUBN) reported a net loss of $4.0 million, or $1.14 per share, for the fourth quarter of 2023. The quarterly loss reflects the sale of $117.6 million of available-for-sale securities for an after-tax loss of $4.7 million or $1.36 per share. Proceeds of $111.3 million from the securities sale were used to repay high-cost wholesale funding and sell high-cost reciprocal deposits, with the remaining amounts held in cash to fund future loan growth, the purchase of higher-yielding securities, and other banking operations. Although this balance sheet repositioning strategy resulted in a loss for the fourth quarter of 2023, it immediately improved the Company's tangible common equity ratio or total equity to total asset ratio due to a smaller balance sheet and is expected to improve the Company's interest rate risk profile and future earnings. The Company estimates the earn-back period for the balance sheet repositioning to be approximately 2.3 years. globenewswire.com - 1 year ago
Dividend Champion, Contender, And Challenger Highlights: Week Of December 3 A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies which changed their dividends. Companies with upcoming ex-dividend dates. seekingalpha.com - 1 year ago
3 Stocks With Dividend Yields Over 5% It's a difficult time to be an income investor. Interest rates are climbing in the U.S. to levels not seen in years, but the average dividend yield of the S&P 500 Index remains relatively low at under 2%. investorplace.com - 1 year ago
Auburn National Bancorporation, Inc. Declares Quarterly Dividend AUBURN, Ala., Nov. 14, 2023 (GLOBE NEWSWIRE) -- On November 14, 2023, the Board of Directors of Auburn National Bancorporation, Inc. (the “Company”) (Nasdaq: AUBN) declared a fourth quarter $0.27 per share cash dividend, payable December 26, 2023 to shareholders of record as of December 8, 2023. globenewswire.com - 1 year ago
Auburn National Bancorporation, Inc. Reports Third Quarter Net Earnings Third Quarter 2023 Highlights: Net income of $1.5 million Earnings per share of $0.43 decreased 22% compared to the second quarter Net interest income (tax-equivalent) was $6.4 million, a decrease of $0.5 million compared to the second quarter Net interest margin (tax-equivalent) of 2.73% declined 30 basis points from the second quarter due to increased deposit costs Cost of funds was 142 basis points, 53% higher than the 93 basis points in the second quarter Average loans, net of unearned income, were $529.4 million, a 3% increase from the second quarter Provision for credit losses was $0.1 million, an increase of $0.5 million compared to a negative provision for credit losses of $0.4 million in the second quarter due to the resolution of a nonperforming loan Noninterest expense was $5.4 million, a decrease of $0.4 million compared to second quarter Total loans, net of unearned income, at September 30, 2023 were $545.6 million, up approximately 5% compared to $520.4 million at June 30, 2023 Total deposits at September 30, 2023 were $964.6 million, compared to $950.8 million at June 30, 2023 AUBURN, Ala., Oct. 26, 2023 (GLOBE NEWSWIRE) -- Auburn National Bancorporation, Inc. (Nasdaq: AUBN) reported net earnings of $1.5 million, or $0.43 per share, for the third quarter of 2023, compared to $1.9 million, or $0.55 per share, for the second quarter of 2023 and $2.0 million, or $0.57 per share, for the third quarter of 2022. globenewswire.com - 1 year ago
8. Profile Summary

Auburn National Bancorporation, Inc. AUBN

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 71.9 M
Dividend Yield 1.15%
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.
Contact 132 North Gay Street, Auburn, AL, 36830 https://www.auburnbank.com
IPO Date Aug. 3, 1995
Employees 145
Officers Ms. Tamela Seymour Senior Vice President & Chief Human Resources Officer - AuburnBank Greg Pettey Senior Vice President of Commercial & Consumer Lending of Tiger Town - AuburnBank Mr. C. Eddie Smith Jr. Senior Vice President & City President of Opelika Branch - AuburnBank Jeff Stewart Senior Vice President of Collection Supervisor & Commercial Lender - AuburnBank Mr. Jerome B. Siegel Senior Vice President of IT & Chief Technology Officer - AuburnBank Mr. Robert Lawrence Smith Senior Vice President & Chief Lending Officer of AuburnBank Mr. William James Walker IV Senior Vice President & Chief Financial Officer Ms. Shannon S. O'Donnell Chief Risk Officer and Senior Vice President of Credit Administration Mr. Kris W. Blackmon Vice President, Asset & Liability Manager and Chief Investment Officer, Auburnbank Ms. Marla L. Kickliter Senior Vice President of Compliance & Internal Auditor of Auburnbank