AUBN
NEUTRAL
$26.25
Live
Auburn National Bancorporation, Inc. · NASDAQ
$19.0
52W Range
$29.0
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
AI-powered fundamental assessment
Confidence
65%
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% |
|
UBCP
United Bancorp, Inc.
Peer
|
+45.2% | +55.0% | +27.9% | +28.6% | -4.0% | -2.2% |
|
GDL
The GDL Fund
Peer
|
+26.4% | +30.0% | +11.4% | +2.3% | +1.4% | +0.5% |
|
SSBI
Summit State Bank
Peer
|
+2.3% | +7.4% | +62.1% | +15.6% | +4.2% | +0.3% |
|
EVF
Eaton Vance Senior Income Trust
Peer
|
+17.7% | +26.9% | -3.1% | -4.7% | +0.3% | -1.0% |
AUB
Auburn National Bancorporation, Inc.
Primary
5Y
-20.2%
3Y
+29.4%
1Y
+20.2%
6M
-5.4%
1M
-0.9%
1W
+8.0%
UBC
United Bancorp, Inc.
Peer
5Y
+45.2%
3Y
+55.0%
1Y
+27.9%
6M
+28.6%
1M
-4.0%
1W
-2.2%
GDL
The GDL Fund
Peer
5Y
+26.4%
3Y
+30.0%
1Y
+11.4%
6M
+2.3%
1M
+1.4%
1W
+0.5%
SSB
Summit State Bank
Peer
5Y
+2.3%
3Y
+7.4%
1Y
+62.1%
6M
+15.6%
1M
+4.2%
1W
+0.3%
EVF
Eaton Vance Senior Income Trust
Peer
5Y
+17.7%
3Y
+26.9%
1Y
-3.1%
6M
-4.7%
1M
+0.3%
1W
-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 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
12.62
This Stock
vs
36.01
Sector Avg
-65.0%
(Discount)
Return on Equity (ROE)
8.22%
This Stock
vs
-0.73%
Sector Avg
-1221.9%
(Below Avg)
Profit Margin
22.11%
This Stock
vs
91.62%
Sector Avg
-75.9%
(Weaker)
Revenue Growth
11.5%
This Stock
vs
35.27%
Sector Avg
-67.4%
(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 | |
|
UBCP
United Bancorp, Inc.
|
BULLISH | $91.81M | 11.87 | 11.6% | 24.4% | $15.9 | Compare |
|
GDL
The GDL Fund
|
BEARISH | $92.34M | 12.07 | -% | -% | $8.45 | Compare |
|
SSBI
Summit State Bank
|
NEUTRAL | $92.97M | 13.59 | 7.0% | 20.7% | $13.73 | Compare |
|
EVF
Eaton Vance Senior Income Trust
|
BEARISH | $90.31M | 24.85 | 6.4% | 61.3% | $4.97 | Compare |
AUBN
Auburn National...
NEUTRAL
Mkt Cap
$92M
P/E
12.6
ROE
8.2%
Price
$26.25
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 |
BARRETT J TUTT
Director
2026-01-14
72 shares
·
$1,950
O'DONNELL SHANNON S.
Officer
2026-01-14
27 shares
·
$732
HOUSEL DAVID E
Director
2026-01-14
51 shares
·
$1,381
HAM WILLIAM F JR
Director
2026-01-14
55 shares
·
$1,489
HOUSEL DAVID E
Director
2025-12-03
25 shares
·
$604
HOUSEL DAVID E
Director
2025-12-03
100 shares
·
$2,499
CONN WALTON T. JR.
Director
2025-12-01
200 shares
·
$4,950
HOUSEL DAVID E
Director
2025-11-18
200 shares
·
$5,078
BARRETT J TUTT
Director
2025-10-08
70 shares
·
$1,923
O'DONNELL SHANNON S.
Officer
2025-10-08
25 shares
·
$686
HOUSEL DAVID E
Director
2025-10-08
49 shares
·
$1,346
HAM WILLIAM F JR
Director
2025-10-08
54 shares
·
$1,484
HOUSEL DAVID E
Director
2025-09-09
100 shares
·
$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.