Auburn National Bancorporation, Inc. (AUBN) Key Metrics
AUBN valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $92.2M
- Enterprise value
- −$119.7M
- P/E (TTM)
- 11.0 10-yr median 14.1
- Forward P/E
- 9.2
- PEG ratio
- 3.33
- Price / sales
- 2.7 10-yr median 3.6
- Price / book
- 1.0 10-yr median 1.2
- EV / EBITDA
- —
- Dividend yield
- 4.08% $1.08 a year
- Beta
- 0.45
AUBN key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsAUBN valuation Price multiples at each fiscal year-end price.
AUBN returns How much profit the business earns on the capital it uses.
AUBN per-share figures Results divided by the shares outstanding at year-end.
AUBN financial health Debt, liquidity and how easily interest is covered.
AUBN efficiency & capital use Working capital cycle and where the cash goes.
AUBN valuation history
AUBN returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
AUBN debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
AUBN cash returned to shareholders
AUBN price vs earnings per share
AUBN key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $94.2M | $82.1M | $74.4M | $80.8M | $114.5M | $148.7M | $189.8M | $115.4M | $141.7M | $114.1M |
| Enterprise value | −$25.6M | −$11.1M | −$234.9M | −$340.0M | −$382.8M | −$268.1M | −$111.5M | −$160.3M | −$174.1M | −$202.1M |
| P/E ratio | 13.0 | 12.8 | 53.4 | 7.8 | 14.2 | 19.9 | 19.5 | 13.1 | 18.1 | 14.0 |
| Price / sales | 2.9 | 1.9 | 2.4 | 2.5 | 3.7 | 4.4 | 5.3 | 3.5 | 4.5 | 3.8 |
| Price / book | 1.0 | 1.0 | 1.0 | 1.2 | 1.1 | 1.4 | 1.9 | 1.3 | 1.6 | 1.4 |
| Price / free cash flow | 8.7 | 9.4 | 6.5 | 20.5 | — | 108.3 | 21.0 | 9.7 | 18.2 | 12.3 |
| Price / operating cash flow | 7.6 | 7.6 | 6.3 | 7.4 | 9.3 | 15.3 | 17.5 | 9.5 | 15.1 | 10.9 |
| EV / sales | -0.8 | -0.3 | -7.5 | -10.4 | -12.4 | -8.0 | -3.1 | -4.9 | -5.5 | -6.7 |
| Earnings yield | 7.7% | 7.8% | 1.9% | 12.8% | 7.0% | 5.0% | 5.1% | 7.7% | 5.5% | 7.1% |
| Free cash flow yield | 11.5% | 10.6% | 15.4% | 4.9% | −6.9% | 0.9% | 4.8% | 10.3% | 5.5% | 8.1% |
| Dividend yield | 4.0% | 4.6% | 5.1% | 4.6% | 3.2% | 2.4% | 1.9% | 3.0% | 2.4% | 2.9% |
| Shareholder yield (dividends + buybacks) | 4.0% | 4.6% | 5.4% | 5.2% | 4.6% | 2.4% | 3.3% | 3.0% | 2.4% | 2.9% |
| Share price at fiscal year-end | $26.95 | $23.49 | $21.28 | $23.00 | $32.30 | $41.69 | $53.00 | $31.66 | $38.90 | $31.31 |
| Per share | ||||||||||
| Revenue per share | $9.38 | $12.08 | $8.97 | $9.35 | $8.69 | $9.41 | $9.98 | $8.94 | $8.66 | $8.29 |
| Earnings per share | $2.08 | $1.83 | $0.40 | $2.95 | $2.27 | $2.09 | $2.72 | $2.42 | $2.15 | $2.24 |
| Operating cash flow per share | $3.53 | $3.09 | $3.39 | $3.13 | $3.48 | $2.73 | $3.03 | $3.33 | $2.58 | $2.88 |
| Free cash flow per share | $3.11 | $2.50 | $3.27 | $1.12 | −$2.22 | $0.39 | $2.52 | $3.27 | $2.14 | $2.55 |
| Cash per share | $36.20 | $26.72 | $88.87 | $120.55 | $141.25 | $117.55 | $84.45 | $76.28 | $88.29 | $88.58 |
| Book value per share | $26.34 | $22.41 | $21.87 | $19.38 | $29.26 | $30.20 | $27.46 | $24.44 | $23.85 | $22.55 |
| Tangible book value per share | $26.34 | $21.78 | −$209.26 | $18.70 | $28.72 | $29.78 | $27.10 | $24.04 | $23.40 | $21.48 |
| Dividends per share | $1.08 | $1.08 | $1.08 | $1.06 | $1.04 | $1.02 | $1.00 | $0.96 | $0.92 | $0.90 |
| Capex per share | $0.42 | $0.60 | $0.12 | $2.01 | $5.69 | $2.34 | $0.51 | $0.07 | $0.44 | $0.33 |
| Debt per share | $1.92 | $0.07 | $0.42 | $0.73 | $0.97 | $0.67 | $0.30 | $0.63 | $1.61 | $1.81 |
| Shares outstanding | 3.5M | 3.5M | 3.5M | 3.5M | 3.5M | 3.6M | 3.6M | 3.6M | 3.6M | 3.6M |
| Change in shares outstanding | +0.0% | −0.1% | −0.4% | −1.0% | −0.6% | −0.4% | −1.7% | +0.0% | +0.0% | +0.0% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 8.5% | 8.3% | 1.9% | 12.0% | 7.6% | 7.2% | 10.4% | 10.0% | 9.3% | 10.1% |
| Return on assets (ROA) | 0.7% | 0.7% | 0.1% | 1.0% | 0.8% | 0.8% | 1.2% | 1.1% | 0.9% | 1.0% |
| Return on tangible assets | 0.7% | 0.7% | 0.8% | 1.0% | 0.7% | 0.8% | 1.2% | 1.1% | 0.9% | 1.0% |
| Free cash flow margin | 33.1% | 20.7% | 36.5% | 12.0% | −25.5% | 4.1% | 25.3% | 36.5% | 24.7% | 30.7% |
| Income quality (OCF / net income) | 1.70 | 1.69 | 8.51 | 1.06 | 1.53 | 1.31 | 1.11 | 1.37 | 1.20 | 1.29 |
| Financial health | ||||||||||
| Total debt | $6.7M | $231,000 | $1.5M | $2.6M | $3.4M | $2.4M | $1.1M | $2.3M | $5.9M | $6.6M |
| Cash & short-term investments | $126.5M | $93.4M | $310.9M | $423.3M | $500.7M | $419.2M | $302.4M | $278.0M | $321.7M | $322.8M |
| Net debt | −$119.8M | −$93.1M | −$309.4M | −$420.7M | −$497.3M | −$416.8M | −$301.3M | −$275.7M | −$315.8M | −$316.2M |
| Debt / equity | 0.07 | 0.00 | 0.02 | 0.04 | 0.03 | 0.02 | 0.01 | 0.03 | 0.07 | 0.08 |
| Debt / assets | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 |
| Net debt / EBITDA | −10.58 | −9.02 | −133.47 | −29.26 | −46.52 | −38.86 | −22.71 | −23.05 | −25.27 | −25.39 |
| Current ratio | 0.14 | 0.10 | 0.35 | 0.44 | 0.50 | 0.49 | 0.41 | 0.38 | 0.00 | 0.89 |
| Quick ratio | 0.14 | 0.10 | 0.35 | 0.44 | 0.50 | 0.49 | 0.41 | 0.38 | −0.00 | 0.89 |
| Interest coverage | 0.8 | 0.7 | 0.1 | 5.4 | 3.8 | 2.3 | 2.9 | 3.0 | 3.2 | 2.8 |
| Working capital | −$796.4M | −$802.5M | −$586.9M | −$532.6M | −$500.7M | −$429.7M | −$427.2M | −$451.1M | −$659.4M | −$71.0M |
| Invested capital | −$27.8M | −$14.8M | −$232.9M | −$352.7M | −$393.6M | −$309.1M | −$203.0M | −$186.6M | −$228.9M | −$234.0M |
| Tangible asset value | $92.1M | $76.1M | −$732.0M | $65.7M | $101.8M | $106.2M | $97.0M | $87.6M | $85.3M | $78.3M |
| Net current asset value | −$800.2M | −$805.7M | −$587.9M | −$532.6M | −$500.7M | −$429.7M | −$427.1M | −$451.1M | −$765.3M | −$175.9M |
| Graham number | $35.07 | $30.38 | $14.01 | $35.85 | $38.64 | $37.69 | $40.99 | $36.51 | $33.99 | $33.69 |
| Graham net-net per share | −$228.96 | −$230.59 | −$168.06 | −$151.69 | −$141.19 | −$120.50 | −$119.28 | −$123.76 | −$121.81 | −$117.18 |
| Capital allocation | ||||||||||
| Dividends paid | $3.8M | $3.8M | $3.8M | $3.7M | $3.7M | $3.6M | $3.6M | $3.5M | $3.4M | $3.3M |
| Share buybacks (net) | — | $0 | $229,000 | $504,000 | $1.6M | $0 | $2.7M | — | $0 | $0 |
| Dividend payout ratio | 52.0% | 59.0% | 270.7% | 36.0% | 45.8% | 48.8% | 36.7% | 39.6% | 42.7% | 40.2% |
| Dividends + buybacks / free cash flow | 34.7% | 43.3% | 35.0% | 107.5% | — | 265.0% | 69.6% | 29.4% | 43.1% | 35.3% |
| Capex / revenue | 4.5% | 4.9% | 1.3% | 21.5% | 65.5% | 24.9% | 5.1% | 0.7% | 5.1% | 4.0% |
| Capex / operating cash flow | 12.0% | 19.3% | 3.5% | 64.2% | 163.8% | 85.9% | 16.7% | 2.0% | 17.2% | 11.5% |
| Capex / depreciation | 0.70 | 1.08 | 0.25 | 4.61 | 16.22 | 5.02 | 1.56 | 0.26 | 1.59 | 1.00 |
| Stock-based compensation / revenue | 0.2% | 0.0% | −10.8% | — | 6.3% | 4.6% | 3.3% | 5.3% | 4.0% | −0.5% |
| SG&A / revenue | 41.8% | 31.0% | 40.6% | 34.0% | 39.4% | 34.5% | 33.9% | 33.7% | 32.8% | 33.9% |
| Efficiency | ||||||||||
| Days of inventory on hand | — | — | — | — | 71.2 | — | — | 104.0 | 114.9 | 20.5 |
| Days payables outstanding | — | — | — | 105,026.9 | 174,601.7 | 57,590.8 | 67,206.4 | 73,568.6 | 82,928.5 | 74,174.9 |
| Payables turnover | — | — | — | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
| Inventory turnover | — | — | — | — | 5.13 | — | — | 3.51 | 3.18 | 17.82 |
| Asset turnover | 0.03 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Average payables | — | — | — | $972.3M | $917.0M | $782.0M | $724.2M | $740.9M | $748.4M | $731.4M |
| Average inventory | — | — | — | — | $374,000 | — | — | $1.0M | $1.0M | $202,000 |
| Intangibles / total assets | 0.0% | 0.2% | 82.9% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.5% |
Computed from AUBN's annual financial statements (latest annual report filed March 17, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
AUBN valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Auburn National Bancorporation traded at 13.0 times earnings, against a 10-year median of 14.1. Based on the latest twelve months, the trailing P/E is 11.0 and the forward P/E is 9.2. Auburn National Bancorporation earned a return on equity of 8.5% in fiscal 2025. It ended the year with $6.7 million of debt and $126.5 million in cash and short-term investments, a net cash position of $119.8 million. It returned $3.8 million to shareholders: $3.8 million in dividends and $0 in share buybacks, 35% of free cash flow. The share count fell 4.1% from 3.6M to 3.5M over 9 years.
See the AUBN income statement, the AUBN chart for price history, or the AUBN stock overview for the latest quote and news.
AUBN key metrics FAQ
What is Auburn National Bancorporation's P/E ratio?
Auburn National Bancorporation's trailing P/E ratio is 11.0 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 9.2. At the end of fiscal 2025 it was 13.0, compared with a 10-year median of 14.1.
What is Auburn National Bancorporation's return on equity?
Auburn National Bancorporation's return on equity (ROE) was 8.5% in fiscal 2025: net income of $7.3 million on average shareholders' equity of $85.2 million.
How much debt does Auburn National Bancorporation have?
Auburn National Bancorporation had total debt of $6.7 million at the end of fiscal 2025, a debt-to-equity ratio of 0.07 and more cash than debt.
What is Auburn National Bancorporation's dividend yield?
Auburn National Bancorporation's forward dividend yield is 4.08%. Auburn National Bancorporation paid $3.8 million in dividends in fiscal 2025 ($1.08 per share), a payout ratio of 52.0%.
What is Auburn National Bancorporation's free cash flow yield?
Auburn National Bancorporation generated $10.9 million of free cash flow in fiscal 2025, a free cash flow yield of 11.5% on its market value at year-end ($94.2 million).
What is Auburn National Bancorporation's current ratio?
Auburn National Bancorporation's current ratio was 0.14 at the end of fiscal 2025: current assets were 0.14 times current liabilities.