Auburn National Bancorporation, Inc. (AUBN) 10-Year Financial Performance & Capital Metrics

AUBN • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

AboutAuburn National Bancorporation, Inc. operates as the bank holding company for AuburnBank that provides various banking products and services in East Alabama. The company's deposit products include checking, savings, and transaction deposit accounts, as well as certificates of deposit. It also provides commercial, financial, agricultural, real estate construction, and consumer loan products; and other financial services. In addition, the company offers automated teller services; debit cards; online banking, bill payment, and other electronic services; and safe deposit boxes. It operates through seven full-service branches in Auburn, Opelika, Notasulga, and Valley, Alabama; as well as loan production offices in Auburn and Phenix City, Alabama. Auburn National Bancorporation, Inc. was founded in 1907 and is headquartered in Auburn, Alabama.Show more

Net Interest Income $27M +3.0%
Total Revenue $42M +34.4%
Net Income $6M +358.6%
Return on Equity 8.26% +328.2%
Net Interest Margin 2.78% +2.8%
Efficiency Ratio 52.52% -27.0%
ROA 0.66% +369.3%
Equity / Assets 8.01% +2.1%
Book Value per Share 22.41 +2.5%
Tangible BV/Share 22.41 +5.7%
Debt/Equity -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 52.5% efficiency ratio
✓23 consecutive years of dividend growth
✓Healthy dividend yield of 4.4%
✓Trading at only 1.1x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y3.22%

5Y3.38%

3Y11.08%

TTM-

Profit (Net Income) CAGR

10Y-1.51%

5Y-8.07%

3Y-7.33%

TTM994.57%

EPS CAGR

10Y-1.08%

5Y-7.62%

3Y-6.93%

TTM961.11%

ROCE

10Y Avg10.76%

5Y Avg8.82%

3Y Avg8.79%

Latest10.56%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.51B	31.52	20.21	18.79%	30.24%	14.14%	6.49%	0.12
FHNFirst Horizon Corporation	11.93B	24.22	17.81	4.71%	15.7%	9.58%	10.26%	0.50
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
AUBAtlantic Union Bankshares Corporation	5.24B	36.75	16.41	28.8%	15.53%	4.22%	5.75%	0.17
UCBUnited Community Banks, Inc.	3.97B	32.69	16.02	14.65%	17.05%	8.83%	7.62%	0.13
PNFPPinnacle Financial Partners, Inc.	14.31B	95.21	15.97	15.32%	16.65%	9.1%	5.64%	0.39
CADECadence Bank	8.24B	44.21	15.96	32.37%	18.03%	9.08%	9.43%	0.01
ABCBAmeris Bancorp	5.42B	79.37	15.29	9.75%	21.97%	9.91%	2.6%	0.11

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	22.72M	22.73M	24.53M	25.57M	26.06M	24.34M	23.99M	27.17M	26.33M	27.13M
NII Growth %	0.06%	0%	0.08%	0.04%	0.02%	-0.07%	-0.01%	0.13%	-0.03%	0.03%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	27.15M	26.82M	28.12M	29.25M	30.25M	28.19M	26.51M	29.55M	34.37M	38.73M
Interest Expense	4.43M	4.08M	3.59M	3.68M	4.18M	3.86M	2.52M	2.38M	8.05M	11.61M
Loan Loss Provision	200K	-485K	-300K	0	-250K	1.1M	-600K	1M	135K	36K
Non-Interest Income+	4.53M	3.38M	3.44M	3.33M	5.49M	5.38M	4.29M	3.27M	-2.98M	3.47M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	31.68M	30.2M	31.56M	32.57M	35.74M	33.57M	30.8M	32.82M	31.39M	42.21M
Revenue Growth %	0.03%	-0.05%	0.05%	0.03%	0.1%	-0.06%	-0.08%	0.07%	-0.04%	0.34%
Non-Interest Expense	16.37M	15.35M	16.78M	17.87M	19.7M	19.55M	19.43M	16.59M	22.59M	22.17M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	10.68M	11.25M	11.48M	11.02M	12.11M	9.06M	9.45M	12.85M	618K	8.4M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.04%	0.05%	0.02%	-0.04%	0.1%	-0.25%	0.04%	0.36%	-0.95%	12.59%
Pretax Income+	10.68M	11.25M	11.48M	11.02M	12.11M	9.06M	9.45M	12.85M	618K	8.4M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	2.82M	3.1M	3.64M	2.19M	2.37M	1.6M	1.41M	2.5M	-777K	2M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	7.86M	8.15M	7.85M	8.83M	9.74M	7.45M	8.04M	10.35M	1.4M	6.4M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.06%	0.04%	-0.04%	0.13%	0.1%	-0.23%	0.08%	0.29%	-0.87%	3.59%
Net Income (Continuing)	7.86M	8.15M	7.85M	8.83M	9.74M	7.45M	8.04M	10.35M	1.4M	6.4M
EPS (Diluted)+	2.16	2.24	2.15	2.42	2.72	2.09	2.27	2.95	0.40	1.83
EPS Growth %	0.06%	0.04%	-0.04%	0.13%	0.12%	-0.23%	0.09%	0.3%	-0.86%	3.58%
EPS (Basic)	2.16	2.24	2.15	2.42	2.72	2.09	2.27	2.95	0.40	1.83
Diluted Shares Outstanding	3.64M	3.64M	3.64M	3.64M	3.58M	3.57M	3.54M	3.51M	3.5M	3.49M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	56.53M	79.18M	63.99M	38.16M	66.5M	84.02M	78.84M	17.95M	39.96M	56.15M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	10K
Total Investments+	665.35M	671.37M	708.51M	712.3M	694.62M	794.68M	876.69M	904M	821.34M	800.16M
Investments Growth %	-0%	0.01%	0.06%	0.01%	-0.02%	0.14%	0.1%	0.03%	-0.09%	-0.03%
Long-Term Investments	423.66M	427.8M	450.82M	472.5M	458.72M	459.5M	454.8M	498.69M	550.43M	800.15M
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	0
Intangible Assets	2.32M	1.95M	0	0	0	0	0	0	2.38M	0
PP&E (Net)	11.87M	12.6M	13.79M	13.6M	14.74M	22.19M	41.72M	46.58M	45.53M	45.93M
Other Assets	81.12M	66.84M	67.09M	54.02M	52.02M	55.71M	107.89M	55.36M	66.04M	75.08M
Total Current Assets	298.22M	322.75M	321.69M	277.96M	302.4M	419.19M	500.73M	423.26M	310.87M	56.16M
Total Non-Current Assets	518.97M	509.19M	531.7M	540.12M	525.48M	537.4M	604.42M	600.63M	664.39M	921.16M
Total Assets+	817.19M	831.94M	853.38M	818.08M	827.88M	956.6M	1.11B	1.02B	975.25M	977.32M
Asset Growth %	0.04%	0.02%	0.03%	-0.04%	0.01%	0.16%	0.16%	-0.07%	-0.05%	0%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0%	0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	10.17M	6.58M	5.88M	2.3M	1.07M	2.39M	3.45M	2.55M	1.49M	0
Net Debt	-46.37M	-72.6M	-58.11M	-35.86M	-65.43M	-81.63M	-75.39M	-15.4M	-38.47M	-56.15M
Long-Term Debt	7.22M	3.22M	3.22M	0	0	0	0	0	0	0
Short-Term Debt	2.95M	3.37M	2.66M	2.3M	1.07M	2.39M	3.45M	2.55M	1.49M	0
Other Liabilities	0	0	0	0	-1K	0	0	0	1.02M	3.21M
Total Current Liabilities	730.02M	746.55M	763.26M	729.02M	729.55M	848.91M	1B	955.85M	897.73M	895.82M
Total Non-Current Liabilities	7.22M	3.22M	3.22M	0	-1K	0	0	0	1.02M	3.21M
Total Liabilities	737.24M	749.77M	766.48M	729.02M	729.55M	848.91M	1B	955.85M	898.75M	899.03M
Total Equity+	79.95M	82.18M	86.91M	89.06M	98.33M	107.69M	103.73M	68.04M	76.51M	78.29M
Equity Growth %	0.05%	0.03%	0.06%	0.02%	0.1%	0.1%	-0.04%	-0.34%	0.12%	0.02%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.1%	0.1%	0.09%	0.1%	0.1%	0.07%	0.08%	0.12%	0.02%	0.08%
Book Value per Share	21.95	22.55	23.85	24.44	27.46	30.20	29.26	19.38	21.87	22.41
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	39K	39K	39K	39K	39K	39K	39K	39K	39K	39K
Additional Paid-in Capital	3.77M	3.77M	3.77M	3.78M	3.78M	3.79M	3.79M	3.8M	3.8M	3.8M
Retained Earnings	80.84M	85.72M	90.3M	95.64M	101.8M	105.62M	109.97M	116.6M	113.4M	115.76M
Accumulated OCI	1.94M	-708K	-566K	-3.76M	2.06M	7.6M	891K	-40.92M	-29.03M	-29.61M
Treasury Stock	-6.64M	-6.64M	-6.64M	-6.63M	-9.36M	-9.35M	-10.97M	-11.47M	-11.7M	-11.7M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	10.85M	10.49M	9.4M	12.14M	10.85M	9.73M	12.32M	10.98M	11.87M	10.81M
Operating CF Growth %	0.03%	-0.03%	-0.1%	0.29%	-0.11%	-0.1%	0.27%	-0.11%	0.08%	-0.09%
Net Income	7.86M	8.15M	7.85M	8.83M	9.74M	7.45M	8.04M	10.35M	1.4M	6.4M
Depreciation & Amortization	1.17M	1.2M	1.02M	938K	1.16M	1.67M	1.24M	1.53M	1.7M	1.93M
Deferred Taxes	620K	461K	356K	71K	-153K	-330K	278K	686K	-195K	438K
Other Non-Cash Items	1.73M	-50K	1.13M	3.36M	-393K	1.64M	4.91M	1.95M	8.69M	1.46M
Working Capital Changes	-517K	726K	-945K	-1.06M	498K	-699K	-2.15M	-3.53M	282K	578K
Cash from Investing+	-364K	-12.58M	-39.61M	-12.05M	24.09M	-102.92M	-118.84M	-90.96M	91.41M	16.85M
Purchase of Investments	-7.75M	-97.49M	-59.16M	-19.84M	-81.84M	-177.69M	-175.42M	-93.11M	0	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-22.41M	-3.4M	-22.15M	-23.42M	16.2M	70K	3.15M	-41.58M	-49.77M	-6.68M
Cash from Financing+	19.94M	9.44M	14.46M	-40.54M	-7.57M	113.33M	150.21M	-49.03M	-59.16M	-5.68M
Dividends Paid	-3.21M	-3.28M	-3.35M	-3.5M	-3.58M	-3.64M	-3.68M	-3.72M	-3.78M	-3.77M
Share Repurchases	0	0	0	0	-2.72M	0	-1.62M	-504K	-229K	0
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	0	-1000K	0	1000K	1000K	-897K	-1000K	-1000K
Other Financing	28.51M	15.93M	17.81M	-33.82M	-1.27M	115.64M	154.45M	-43.91M	-54.09M	-419K
Net Change in Cash+	30.43M	7.35M	-15.75M	-40.45M	27.37M	20.13M	43.68M	-129M	44.12M	21.98M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	83.5M	113.93M	121.28M	105.53M	65.08M	92.44M	112.58M	156.26M	27.25M	71.37M
Cash at End	113.93M	121.28M	105.53M	65.08M	92.44M	112.58M	156.26M	27.25M	71.37M	93.35M
Interest Paid	4.53M	4.11M	3.62M	3.62M	4.09M	4.05M	2.56M	2.34M	7.52M	11.52M
Income Taxes Paid	2.31M	2.2M	3.29M	2.69M	2.29M	678K	2.76M	1.35M	1.23M	1.24M
Free Cash Flow+	9.32M	9.28M	7.78M	11.9M	9.04M	1.37M	-7.86M	3.93M	11.45M	8.72M
FCF Growth %	-0.05%	-0%	-0.16%	0.53%	-0.24%	-0.85%	-6.72%	1.5%	1.91%	-0.24%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	10.09%	10.05%	9.28%	10.04%	10.4%	7.24%	7.6%	12.05%	1.93%	8.26%
Return on Assets (ROA)	0.98%	0.99%	0.93%	1.06%	1.18%	0.84%	0.78%	0.97%	0.14%	0.66%
Net Interest Margin	2.78%	2.73%	2.87%	3.13%	3.15%	2.54%	2.17%	2.65%	2.7%	2.78%
Efficiency Ratio	51.67%	50.82%	53.18%	54.88%	55.11%	58.25%	63.1%	50.55%	71.97%	52.52%
Equity / Assets	9.78%	9.88%	10.18%	10.89%	11.88%	11.26%	9.39%	6.65%	7.84%	8.01%
Book Value / Share	21.95	22.55	23.85	24.44	27.46	30.2	29.26	19.38	21.87	22.41
NII Growth	5.9%	0.06%	7.89%	4.26%	1.93%	-6.62%	-1.43%	13.24%	-3.08%	3.03%
Dividend Payout	40.8%	40.23%	42.72%	39.6%	36.7%	48.81%	45.8%	35.96%	270.68%	58.98%

Frequently Asked Questions

Valuation & Price

Auburn National Bancorporation, Inc. (AUBN) has a price-to-earnings (P/E) ratio of 13.5x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Auburn National Bancorporation, Inc. (AUBN) grew revenue by 34.4% over the past year. This is strong growth.

Yes, Auburn National Bancorporation, Inc. (AUBN) is profitable, generating $6.7M in net income for fiscal year 2024 (15.2% net margin).

Dividend & Returns

Yes, Auburn National Bancorporation, Inc. (AUBN) pays a dividend with a yield of 4.38%. This makes it attractive for income-focused investors.

Auburn National Bancorporation, Inc. (AUBN) has a return on equity (ROE) of 8.3%. This is below average, suggesting room for improvement.

Industry Metrics

Auburn National Bancorporation, Inc. (AUBN) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.

Auburn National Bancorporation, Inc. (AUBN) has an efficiency ratio of 52.5%. This is excellent, indicating strong cost control.

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