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Company Analysis

Auburn National Bancorporation, AUBN

A comprehensive view of key metrics, scores, and financial health for Auburn National Bancorporation,

Overview of Auburn National Bancorporation, Inc.

AUBN NGM
Financial Services Banks - Regional Micro Cap
Auburn National Bancorporation, Inc. (AUBN), is a Micro Cap company, in the Banks - Regional industry, last closed at $23.50, about 12.9% undervalued vs fair value, +12.2% 1Y return, ranked 319/1004 in sector.
$23.50
0.00%
As of March 13, 2026
Previous close • Vol 90d: 38.7%
52-Week Range
Market Cap
$83.32M
Enterprise Value
$-44.50M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.auburnbank.com
HQ Auburn, AL
Fiscal year Dec 31

Next Events

Dividend Mar 25

Fair Value Snapshot

Bear Base Bull
$15
$27
$50
Current: $23.50 +13% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$38.7M
12.7%%
Interest Expense
$11.6M
Net Interest Income
$27.1M
3%%
Total Revenue
$30.6M
31.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.2%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$3.8M
59.0% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
Analysis based on partial data. Some metrics unavailable for complete assessment.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Auburn National Bancorporation,'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
44
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
34
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 82% Coverage
Trade-Off Triangle Visualization A ternary plot showing AUBN's balance between Growth (20.4%), Profitability (43.5%), and Safety (36.1%). Growth 20% Safety 36% Profitability 43%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

20th percentile vs peers
21
Key Signals
Rev Growth YoY 31.1% 28p Asset Growth YoY 0.2% 21p Revenue CAGR 3Y 2.7% 11p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth in bottom 20% of peers (percentile: 20)

Profitability

44th percentile vs peers
44
Key Signals
Strengths
Risks
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Safety

36th percentile vs peers
37
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Auburn National Bancorporation,.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$26.53
- - -
+12.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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