Auburn National Bancorporation, Inc. (AUBN) AI Stock Analysis

Auburn National Bancorporation, Inc. functions as the holding entity overseeing AuburnBank, a financial institution serving East Alabama. Established in 1907 and based in Auburn, Alabama, the company operates seven full-service branches in Auburn, Opelika, Notasulga, and Valley, along with loan production offices in Auburn and Phenix City. It offers deposit solutions such as checking, savings, and certificates of deposit for retail and commercial clients. AuburnBank also delivers loan solutions to businesses, farmers, real estate developers, and consumers, alongside automated teller machines, debit cards, online banking, bill payment services, and safe deposit boxes.

Revenue has fluctuated in recent fiscal years, moving from $30.8M in FY2021 to $32.8M in FY2022, dipping to $31.4M in FY2023, expanding to $42.2M in FY2024, and contracting 22.3% to $32.8M in FY2025. Across the 5-year period from FY2020 to FY2025, revenue posted a CAGR of -0.5%. Net income rose to $7.3M in FY2025 with an operating margin of 28.1% and diluted EPS of $2.08, up from $0.40 in FY2023. For the trailing twelve months ended June 30, 2026, revenue stood at $34.1M with EPS of $2.41. In the latest quarter, quarterly revenue grew 12.4% year-over-year while quarterly earnings expanded 26.5%.

As of June 30, 2026, Auburn National Bancorporation held $20.0M in cash and short-term investments, with total assets of $1.09B and shareholders' equity of $93.9M. In FY2025, the bank generated $12.3M in operating cash flow and $10.9M in free cash flow. Capital expenditures totaled $1.5M during FY2025, while dividends paid were $3.8M. Over the past 5 years, the company's share count decreased by 0.9%.

Auburn National Bancorporation trades at a trailing P/E of 11.0x and a forward P/E of 9.2x, below the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its price-to-sales multiple is 2.7x compared to the peer median of 3.2x, with a price-to-book ratio of 1.0x and a market capitalization of $92.2M. Over the past year, the stock returned 2.7%, trailing the S&P 500 (SPY) return of 16.8%. Over five years, the stock returned -2.7% compared to an 83.0% gain for the S&P 500.

Auburn National Bancorporation pays an annual forward dividend of $1.08 per share, which equates to a dividend yield of 4.08%. The company distributes dividends quarterly and has paid dividends for 32 consecutive years. Its payout ratio stands at 45.0%, and its annualized 5-year dividend growth rate is 1.1%. The last ex-dividend date was September 10, 2026.

Auburn National Bancorporation has its next earnings report scheduled for October 22, 2026. The stock closed at $26.47 on October 16, 2026, which is 6.3% above its 200-day moving average and trades between its 52-week low of $21.01 and 52-week high of $28.88.

This page is an AI-written research summary of Auburn National Bancorporation, Inc. (AUBN). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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