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Auburn National Bancorporation, Inc.(AUBN)Earnings, Financials & Key Ratios
AUBN•NASDAQ•Banking & Credit
$28.88
13.9× P/E·Price updated Jun 27, 2026
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$30M+9.4%
- Total Revenue$33M-22.3%
- Net Income$7M+13.4%
- Return on Equity8.52%+3.1%
- Net Interest Margin2.91%+4.9%
- Efficiency Ratio69.99%+33.3%
- ROA0.73%+10.9%
- Equity / Assets9.04%+12.8%
- Book Value per Share26.34+17.5%
AUBN Price & Volume
Auburn National Bancorporation, Inc. (AUBN) stock price & volume — 10-year historical chart
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Persistent Margin Compression Challenges Auburn National Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial Position:Healthy
Cash Flow:Stable
Primary Risk:Geographic concentration in Alabama
"Auburn National Bancorporation faces a challenging outlook characterized by stagnant net interest margins of 0.8% and significant operational headwinds reflected in a 68.4% efficiency ratio as of 2026Q1. While the bank maintains a stable equity-to-assets ratio of 9%, its heavy reliance on a $935.8 million securities portfolio creates substantial duration mismatch risks. Investors should monitor the sustainability of the $943K quarterly dividend payout, which persists despite volatile net income and periodic reliance on securities liquidations to support liquidity."
Verdict Logic
while the bank maintains a stable equity-to-assets ratio of 9%, the forward P/E of 60.17 and persistent 0.8% NIM suggest limited near-term upside for investors.
AUBN Growth Metrics
Auburn National Bancorporation, Inc. (AUBN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years0.34%
5 Years-0.47%
3 Years-0.02%
TTM-
Profit CAGR
10 Years-0.8%
5 Years-0.54%
3 Years-11.16%
TTM20.85%
EPS CAGR
10 Years-0.38%
5 Years-0.1%
3 Years-11%
TTM20.11%
Return on Capital
10 Years10.58%
5 Years9.14%
3 Years7.27%
Last Year10.39%
AUBN Recent Earnings
Auburn National Bancorporation, Inc. (AUBN) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$0.63
—
Rev
$9M
—
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$0.48
—
Rev
$8M
—
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.64
—
Rev
—
—
Q3 2025
Jul 22, 2025Metric
Actual
Est
EPS
$0.52
—
Rev
$11M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.63 | $9M |
| Q1 2026 | Jan 27, 2026 | $0.48 | $8M |
| Q4 2025 | Oct 23, 2025 | $0.64 | — |
| Q3 2025 | Jul 22, 2025 | $0.52 | $11M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Auburn National Bancorporation, Inc. (AUBN)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $28.88 | $100.89M | 13.88 | -22.3% | 22.12% | 8.52% | 3.74% | |
| $23.54 | $227.02M | 16.12 | -9.41% | 16.49% | 8% | — | |
| $32.00 | $195.12M | 10.42 | 8.26% | 19.68% | 12.22% | — | |
| $30.81 | $1.01B | 11.08 | 11.84% | 17.47% | 10.06% | — | |
| $69.36 | $543.96M | 11.82 | 4.93% | 22.17% | 10.86% | — | |
| $20.64 | $438.03M | 12.98 | 5.37% | 15.07% | 8.83% | — |
Compare AUBN vs Peers
Auburn National Bancorporation, Inc. (AUBN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AUBN SEC Filings & Documents
Auburn National Bancorporation, Inc. (AUBN) SEC filings — annual & quarterly reports (10-K, 10-Q)
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AUBN Frequently Asked Questions
Auburn National Bancorporation, Inc. (AUBN) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Auburn National Bancorporation, Inc. growing?
Auburn National Bancorporation, Inc. (AUBN) saw revenue decline by 22.3% over the past year.
Is AUBN profitable?
Yes, Auburn National Bancorporation, Inc. (AUBN) is profitable, generating $7.9M in net income for fiscal year 2025 (22.1% net margin).
Dividend & Returns
Does AUBN pay dividends?
Yes, Auburn National Bancorporation, Inc. (AUBN) pays a dividend with a yield of 3.74%. This makes it attractive for income-focused investors.
What is AUBN's return on equity?
Auburn National Bancorporation, Inc. (AUBN) has a return on equity (ROE) of 8.5%. This is below average, suggesting room for improvement.
Industry Metrics
What is Auburn National Bancorporation, Inc.'s net interest margin?
Auburn National Bancorporation, Inc. (AUBN) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
What is Auburn National Bancorporation, Inc.'s efficiency ratio?
Auburn National Bancorporation, Inc. (AUBN) has an efficiency ratio of 70.0%. This is higher than peers, suggesting room for cost optimization.