Latest Ratios: P/E Ratio 13.1x · EV/EBITDA -2.8x · ROE 8.5%. (1996–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $95M | $94M | $82M | $74M | $81M | $115M | $149M | $190M | $115M | $142M | $114M |
| Enterprise Value | $-31318665 | $-32318780 | $26M | $36M | $65M | $39M | $67M | $124M | $80M | $84M | $41M |
| P/E Ratio → | 13.10 | 12.96 | 12.84 | 53.20 | 7.80 | 14.23 | 19.95 | 19.49 | 13.08 | 18.09 | 13.98 |
| P/S Ratio | 2.90 | 2.87 | 1.94 | 2.37 | 2.46 | 3.72 | 4.43 | 5.31 | 3.54 | 4.49 | 3.78 |
| P/B Ratio | 1.03 | 1.02 | 1.05 | 0.97 | 1.19 | 1.10 | 1.38 | 1.93 | 1.30 | 1.63 | 1.39 |
| P/FCF | 8.76 | 8.67 | 9.41 | 6.50 | 20.54 | — | 108.28 | 20.99 | 9.69 | 18.21 | 12.29 |
| P/OCF | 7.71 | 7.63 | 7.59 | 6.27 | 7.35 | 9.29 | 15.28 | 17.49 | 9.50 | 15.08 | 10.88 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.99 | 0.61 | 1.15 | 1.99 | 1.27 | 2.00 | 3.48 | 2.44 | 2.65 | 1.37 |
| EV / EBITDA | -2.77 | -2.85 | 2.51 | 15.52 | 4.55 | 3.66 | 6.25 | 9.37 | 6.65 | 6.69 | 3.33 |
| EV / EBIT | -3.40 | -3.51 | 3.09 | 58.20 | 5.09 | 4.14 | 7.40 | 10.27 | 7.21 | 7.28 | 3.69 |
| EV / FCF | — | -2.97 | 2.97 | 3.14 | 16.62 | — | 48.83 | 13.76 | 6.68 | 10.75 | 4.47 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 98.1% | 98.1% | 72.4% | 73.9% | 89.7% | 93.8% | 85.2% | 89.0% | 88.7% | 89.6% | 88.1% |
| Operating Margin | 28.1% | 28.1% | 19.9% | 2.0% | 39.2% | 30.7% | 27.0% | 33.9% | 33.8% | 36.4% | 37.3% |
| Net Profit Margin | 22.1% | 22.1% | 15.2% | 4.4% | 31.5% | 26.1% | 22.2% | 27.3% | 27.1% | 24.9% | 27.0% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.5% | 8.5% | 8.3% | 1.9% | 12.0% | 7.6% | 7.2% | 10.4% | 10.0% | 9.3% | 10.1% |
| ROA | 0.7% | 0.7% | 0.7% | 0.1% | 1.0% | 0.8% | 0.8% | 1.2% | 1.1% | 0.9% | 1.0% |
| ROIC | 8.1% | 8.1% | 8.1% | 0.6% | 10.8% | 6.5% | 6.5% | 9.5% | 9.0% | 9.5% | 9.4% |
| ROCE | 10.4% | 10.4% | 10.6% | 0.8% | 15.0% | 8.9% | 8.8% | 12.9% | 12.3% | 13.1% | 13.0% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | — | 0.02 | 0.04 | 0.03 | 0.02 | 0.01 | 0.03 | 0.07 | 0.08 |
| Debt / EBITDA | — | — | — | 0.64 | 0.18 | 0.32 | 0.22 | 0.08 | 0.19 | 0.47 | 0.53 |
| Net Debt / Equity | — | -1.37 | -0.72 | -0.50 | -0.23 | -0.73 | -0.76 | -0.67 | -0.40 | -0.67 | -0.88 |
| Net Debt / EBITDA | -11.17 | -11.17 | -5.44 | -16.60 | -1.07 | -7.05 | -7.61 | -4.93 | -3.00 | -4.65 | -5.83 |
| Debt / FCF | — | -11.64 | -6.44 | -3.36 | -3.92 | — | -59.45 | -7.24 | -3.01 | -7.47 | -7.82 |
| Interest Coverage | 0.83 | 0.83 | 0.72 | 0.08 | 5.40 | 3.75 | 2.35 | 2.90 | 3.00 | 3.20 | 2.76 |
Net cash position: cash ($127M) exceeds total debt ($0)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.14 | 0.14 | 0.10 | 0.35 | 0.44 | 0.50 | 0.49 | 0.41 | 0.38 | 0.42 | 0.43 |
| Quick Ratio | 0.14 | 0.14 | 0.10 | 0.35 | 0.44 | 0.50 | 0.49 | 0.41 | 0.38 | 0.42 | 0.43 |
| Cash Ratio | 0.14 | 0.14 | 0.06 | 0.04 | 0.02 | 0.08 | 0.10 | 0.09 | 0.05 | 0.08 | 0.11 |
| Asset Turnover | — | 0.03 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 4.0% | 4.0% | 4.6% | 5.1% | 4.6% | 3.2% | 2.4% | 1.9% | 3.0% | 2.4% | 2.9% |
| Payout Ratio | 52.0% | 52.0% | 59.0% | 270.7% | 36.0% | 45.8% | 48.8% | 36.7% | 39.6% | 42.7% | 40.2% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.6% | 7.7% | 7.8% | 1.9% | 12.8% | 7.0% | 5.0% | 5.1% | 7.6% | 5.5% | 7.2% |
| FCF Yield | 11.4% | 11.5% | 10.6% | 15.4% | 4.9% | — | 0.9% | 4.8% | 10.3% | 5.5% | 8.1% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.3% | 0.6% | 1.4% | 0.0% | 1.4% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 4.0% | 4.0% | 4.6% | 5.4% | 5.2% | 4.6% | 2.4% | 3.3% | 3.0% | 2.4% | 2.9% |
| Shares Outstanding | — | $3M | $3M | $3M | $4M | $4M | $4M | $4M | $4M | $4M | $4M |
Geographic concentration in Alabama
Based on recent market data, AUBN trades at a P/B of 1.10, which suggests that investors are pricing the bank as a commodity balance sheet rather than a premium franchise, especially given the forward P/E of 60.17 that implies significant near-term earnings uncertainty.
The valuation multiple appears to reflect a market skepticism regarding the bank's ability to generate meaningful ROTCE in the current interest rate environment. Investors should monitor whether the current P/B premium over book value is sustainable if the bank continues to struggle with revenue growth and margin compression.
As reported in financial statements, the bank's ROE has remained suppressed, hovering near 2.4% as of 2026Q1, which indicates that the combination of low asset utilization and persistent NIM compression is significantly limiting the bank's ability to generate competitive returns on tangible equity.
The DuPont analysis suggests that profitability is currently constrained by both a narrow interest spread and an inability to leverage the balance sheet effectively. The reliance on non-interest income remains volatile, further complicating the path toward improved return metrics for shareholders.
According to quarterly data, the efficiency ratio reached 68.4% in 2026Q1, signaling that the bank is facing structural challenges in managing its operating expenses relative to the revenue generated within its highly concentrated East Alabama market footprint.
The stagnant NIM of 0.8% suggests that the bank's funding costs are likely rising in tandem with asset yields, preventing any meaningful expansion of the net interest spread. This trend warrants further investigation into whether the bank's deposit franchise is losing its historical pricing advantage.
Based on reported figures, the equity-to-assets ratio has remained consistently within the 8% to 9% range over the last ten quarters, indicating that the bank maintains a stable regulatory capital buffer despite the recent earnings pressure and fluctuations in the valuation of its securities portfolio.
This capital position appears adequate to support current operations, though it may limit the bank's capacity for aggressive balance sheet expansion. Investors should monitor whether management continues to prioritize this conservative capital stance over potential growth initiatives in the local market.
The P/E ratio is frequently misapplied to AUBN, as it fails to account for the significant earnings volatility caused by provision adjustments and unrealized losses in the securities portfolio, which can distort the bank's true economic profitability and cash-generating capacity.
Analysts should instead focus on P/TBV and ROE, as these metrics provide a more accurate view of the bank's capital efficiency and franchise value. Relying on P/E in this context may lead to erroneous conclusions about the bank's valuation, as it ignores the underlying balance sheet risks.
Includes 30+ ratios · 30 years · Updated daily
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Quick answers to the most common questions about buying AUBN stock.
Auburn National Bancorporation, Inc.'s current P/E ratio is 13.1x. The historical average is 15.7x. This places it at the 50th percentile of its historical range.
Auburn National Bancorporation, Inc.'s current EV/EBITDA is -2.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 14.2x.
Auburn National Bancorporation, Inc.'s return on equity (ROE) is 8.5%. The historical average is 10.6%.
Based on historical data, Auburn National Bancorporation, Inc. is trading at a P/E of 13.1x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Auburn National Bancorporation, Inc.'s current dividend yield is 3.96% with a payout ratio of 52.0%.
Auburn National Bancorporation, Inc. has 98.1% gross margin and 28.1% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.