AUBN Auburn National Bancorporation, Inc. - Fundamental Analysis
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AUBN Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Banks - Regional
Current Price
Live
$26.25
52W High
$29.0
52W Low
$19.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$91.69M
P/E
12.62
ROE
8.2%
Profit margin
22.1%
Debt/Equity
N/A
Dividend yield
4.17%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
65%
Analysis Accuracy
AUBN exhibits a Piotroski F-Score of 4/9, indicating stable but not robust financial health, while the absence of an Altman Z-Score limits distress risk assessment. The stock trades below its Graham Number of $34.65 at $26.25, suggesting potential undervaluation, though growth expectations are modest with a P/E of 12.62 and strong recent earnings growth. Profitability metrics like a 22.11% profit margin and 32.92% operating margin are solid, but low ROA of 0.71% and missing leverage data raise concerns. Dividend strength is high with a 4.17% yield and sustainable 52.68% payout ratio, but technical trend is bearish and insider sentiment is neutral.
Key Strengths
Attractive dividend yield of 4.17% with a sustainable 52.68% payout ratio
Profit margin of 22.11% exceeds sector average of 18.88%
Operating margin of 32.92% significantly above peer levels
Revenue and earnings growth strong at 11.50% and 28.60% YoY, respectively
Current price of $26.25 is below Graham Number of $34.65, implying undervaluation
Key Risks
Piotroski F-Score of 4/9 indicates only stable financial health, not strong
Missing Altman Z-Score prevents proper bankruptcy risk evaluation
Technical trend score of 0/100 signals strong bearish momentum
ROA of 0.71% is very low for a regional bank, indicating poor asset efficiency
Incomplete financial data (missing debt/equity, cash, debt, EV metrics) limits confidence
AI Fair Value Estimate
Based on comprehensive analysis
$34.65
+32.0% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
64
Strong
72
64
55
48
80
AI Verdict
Neutral with value appeal but structural data gaps
Key drivers: Below Graham Number valuation, Solid profitability margins, Low Piotroski score limiting health confidence, Missing Altman Z-Score and leverage data, Bearish technical trend
Confidence
65%
Value
72/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 12.62 below sector average of 21.38
- Price of $26.25 below Graham Number of $34.65
- Price/Book of 1.02 suggests near-book valuation
Watchpoints
- No PEG ratio due to missing growth-adjusted valuation
- EV/EBITDA and other enterprise metrics unavailable
Future
64/100
Ref Growth rates
Positives
- Revenue growth of 11.50% YoY
- Earnings growth of 28.60% YoY
- Q/Q earnings growth sustained at 28.60%
Watchpoints
- Most recent YoY EPS growth is -14.9%, conflicting with annual growth
- No forward P/E or analyst targets to confirm outlook
Past
55/100
Ref Historical trends
Positives
- 5Y price change shows recovery with +29.4% over 3Y
- Historical earnings surprises include strong beats (e.g., +187.6%)
Watchpoints
- 5Y total return is -20.2%, underperforming
- Average earnings surprise of -2.25% over last 4 quarters
- Only 2 out of last 4 quarters beat estimates
Health
48/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 4/9 indicates no immediate distress
Watchpoints
- Piotroski score below 7 signals suboptimal financial strength
- Altman Z-Score not available, creating risk blind spot
- ROA of 0.71% is very weak for a bank
- No debt/equity, current ratio, or cash/debt data
Dividend
80/100
Ref Yield, Payout
Positives
- Dividend yield of 4.17% well above sector average
- Payout ratio of 52.68% is sustainable
- Dividend Strength score of 70/100
Watchpoints
- No 5-year average yield to assess consistency
- Ex-dividend date not available
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$26.25
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AUBN and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AUBN
Auburn National Bancorporation, Inc.
Primary
|
-20.2% | +29.4% | +20.2% | -5.4% | -0.9% | +8.0% |
|
BMHL
Bluemount Holdings Limited
Peer
|
-7.6% | -7.6% | -7.6% | -11.6% | +2.1% | -0.9% |
|
AURE
Aurelion Inc.
Peer
|
-98.5% | -98.5% | -80.1% | -32.9% | -5.8% | +16.8% |
|
BOTJ
Bank of the James Financial Group, Inc.
Peer
|
+68.8% | +56.9% | +39.0% | +33.3% | -3.0% | -1.2% |
|
AMTD
AMTD IDEA Group
Peer
|
-97.4% | -80.3% | -0.1% | -3.4% | -0.5% | -1.0% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.62
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
1.02
P/S Ratio
2.84
EV/Revenue
-1.58
EV/EBITDA
N/A
Market Cap
$91.69M
Profitability
Profit margins and return metrics
Profit Margin
22.11%
Operating Margin
32.92%
Gross Margin
N/A
ROE
8.22%
ROA
0.71%
Growth
Revenue and earnings growth rates
Revenue Growth
+11.5%
Earnings Growth
+28.6%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+28.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$40.91
Quarterly Earnings History
EPS performance vs analyst estimates
2012-01-19
$0.4
-12.8% surprise
2011-10-24
$0.38
+12.1% surprise
2011-07-29
$0.4
-19.4% surprise
2011-04-29
$0.44
+11.1% surprise
Financial Services Sector Comparison
Comparing AUBN against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
12.62
This Stock
vs
30.37
Sector Avg
-58.4%
(Discount)
Return on Equity (ROE)
8.22%
This Stock
vs
-7.62%
Sector Avg
-207.9%
(Below Avg)
Profit Margin
22.11%
This Stock
vs
82.75%
Sector Avg
-73.3%
(Weaker)
Revenue Growth
11.5%
This Stock
vs
28.35%
Sector Avg
-59.4%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AUBN
Auburn National...
|
NEUTRAL | $91.69M | 12.62 | 8.2% | 22.1% | $26.25 | |
|
BMHL
Bluemount Holdings Limited
|
BEARISH | $94.3M | 73.9 | 30.3% | 18.9% | $3.69 | |
|
AURE
Aurelion Inc.
|
BEARISH | $101.03M | - | -1639.9% | -% | $0.29 | |
|
BOTJ
Bank of the James...
|
NEUTRAL | $82.33M | 10.35 | 10.9% | 16.6% | $18.12 | |
|
AMTD
AMTD IDEA Group
|
NEUTRAL | $81.04M | - | 5.1% | 45.0% | $1.01 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-14 | BARRETT J TUTT | Director | Purchase | 72 | $1,950 |
| 2026-01-14 | O'DONNELL SHANNON S. | Officer | Purchase | 27 | $732 |
| 2026-01-14 | HOUSEL DAVID E | Director | Purchase | 51 | $1,381 |
| 2026-01-14 | HAM WILLIAM F JR | Director | Purchase | 55 | $1,489 |
| 2025-12-03 | HOUSEL DAVID E | Director | Purchase | 25 | $604 |
| 2025-12-03 | HOUSEL DAVID E | Director | Purchase | 100 | $2,499 |
| 2025-12-01 | CONN WALTON T. JR. | Director | Purchase | 200 | $4,950 |
| 2025-11-18 | HOUSEL DAVID E | Director | Purchase | 200 | $5,078 |
| 2025-10-08 | BARRETT J TUTT | Director | Purchase | 70 | $1,923 |
| 2025-10-08 | O'DONNELL SHANNON S. | Officer | Purchase | 25 | $686 |
| 2025-10-08 | HOUSEL DAVID E | Director | Purchase | 49 | $1,346 |
| 2025-10-08 | HAM WILLIAM F JR | Director | Purchase | 54 | $1,484 |
| 2025-09-09 | HOUSEL DAVID E | Director | Purchase | 100 | $2,719 |
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning AUBN from our newsroom.
Newest → oldest
No matching news yet.