Revenue performance remains volatile with a 2026Q1 efficiency ratio of 68.4% and a stagnant net interest margin of 0.8% that highlights ongoing profitability constraints.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 | Dec'98 | Dec'97 | Dec'96 |
|---|
| Net Interest Income | 30.36M | 29.67M | 27.13M | 26.33M | 27.17M | 23.99M | 24.34M | 26.06M | 25.57M | 24.53M | 22.73M | 22.72M | 21.45M | 20.92M | 20.9M | 19.23M | 18.9M | 18.82M | 17.87M | 16.88M | 15.98M | 14.7M | 14.67M | 13.52M | 14.57M | 13.84M | 12.58M | 12.1M | 10.5M | 9.4M | 7.9M |
| NII Growth % | 41.42% | 9.4% | 3.03% | -3.08% | 13.24% | -1.43% | -6.62% | 1.93% | 4.26% | 7.89% | 0.06% | 5.9% | 2.54% | 0.12% | 8.7% | 1.73% | 0.45% | 5.29% | 5.9% | 5.6% | 8.69% | 0.23% | 8.51% | -7.22% | 5.24% | 10.02% | 4% | 15.24% | 11.7% | 18.99% | - |
| Net Interest Margin % | 2.96% | 2.91% | 2.78% | 2.7% | 2.65% | 2.17% | 2.54% | 3.15% | 3.13% | 2.87% | 2.73% | 2.78% | 2.72% | 2.78% | 2.75% | 2.48% | 2.47% | 2.43% | 2.4% | 2.45% | 2.52% | 2.42% | 2.48% | 2.29% | 2.89% | 2.92% | 3.11% | 3.21% | 3.41% | 3.56% | 3.06% |
| Interest Income | 41.27M | 40.77M | 38.73M | 34.37M | 29.55M | 26.51M | 28.19M | 30.25M | 29.25M | 28.12M | 26.82M | 27.15M | 26.82M | 27.46M | 29.07M | 30.71M | 33.47M | 36.83M | 38.36M | 38.82M | 35.63M | 30.02M | 27.18M | 24.94M | 27.75M | 29.88M | 30.23M | 25.5M | 21.7M | 19.7M | 17.6M |
| Interest Expense | 10.91M | 11.09M | 11.61M | 8.05M | 2.38M | 2.52M | 3.86M | 4.18M | 3.68M | 3.59M | 4.08M | 4.43M | 5.36M | 6.54M | 8.17M | 11.48M | 14.57M | 18.02M | 20.49M | 21.94M | 19.64M | 15.32M | 12.51M | 11.42M | 13.18M | 16.04M | 17.64M | 13.4M | 11.2M | 10.3M | 9.7M |
| Loan Loss Provision | -4.73M | -10.46M | 36K | 135K | 1M | -600K | 1.1M | -250K | 0 | -300K | -485K | 200K | 50K | 400K | 3.81M | 2.45M | 3.58M | 5.25M | 870K | 23K | 329.86K | 485K | 600K | 675K | 1.68M | 3.56M | 2.62M | 2.5M | 920.3K | 400K | 100K |
| Non-Interest Income | -2.03M | -7.97M | 3.47M | -2.98M | 3.27M | 4.29M | 5.38M | 5.49M | 3.33M | 3.44M | 3.38M | 4.53M | 3.93M | 6.28M | 10.48M | 5.18M | 6.72M | 3.13M | 4.2M | 4.67M | 4.65M | 6.27M | 6.92M | 6.77M | 5.39M | 5.95M | 3.35M | 3M | 2.5M | 2.2M | 2.4M |
| Non-Interest Income % | -5.18% | -24.32% | 8.23% | -9.5% | 9.97% | 13.92% | 16.01% | 15.37% | 10.21% | 10.9% | 11.2% | 14.3% | 12.79% | 18.61% | 26.51% | 14.43% | 16.72% | 7.84% | 9.87% | 10.73% | 11.54% | 17.28% | 20.28% | 21.36% | 16.27% | 16.61% | 9.97% | 10.53% | 10.33% | 10.05% | 12% |
| Total Revenue | 39.23M | 32.79M | 42.21M | 31.39M | 32.82M | 30.8M | 33.57M | 35.74M | 32.57M | 31.56M | 30.2M | 31.68M | 30.75M | 33.74M | 39.55M | 35.88M | 40.19M | 39.97M | 42.56M | 43.48M | 40.27M | 36.29M | 34.09M | 31.71M | 33.14M | 35.83M | 33.58M | 28.5M | 24.2M | 21.9M | 20M |
| Revenue Growth % | -32.28% | -22.3% | 34.44% | -4.34% | 6.57% | -8.26% | -6.08% | 9.73% | 3.2% | 4.51% | -4.69% | 3.04% | -8.86% | -14.7% | 10.22% | -10.72% | 0.56% | -6.1% | -2.12% | 7.97% | 10.97% | 6.45% | 7.5% | -4.32% | -7.5% | 6.73% | 17.81% | 17.77% | 10.5% | 9.5% | - |
| Non-Interest Expense | 22.97M | 22.95M | 22.17M | 22.59M | 16.59M | 19.43M | 19.55M | 19.7M | 17.87M | 16.78M | 15.35M | 16.37M | 15.1M | 17.39M | 19.38M | 16.36M | 15.89M | 14.63M | 12.54M | 12.36M | 11.4M | 11.81M | 12.13M | 11.91M | 11.14M | 9.92M | 8.86M | 8.1M | 6.88M | 6.3M | 5.9M |
| Efficiency Ratio | 58.55% | 69.99% | 52.52% | 71.97% | 50.55% | 63.1% | 58.25% | 55.11% | 54.88% | 53.18% | 50.82% | 51.67% | 49.12% | 51.56% | 49.01% | 45.58% | 39.54% | 36.61% | 29.47% | 28.42% | 28.31% | 32.54% | 35.57% | 37.57% | 33.62% | 27.69% | 26.4% | 28.42% | 28.43% | 28.77% | 29.5% |
| Operating Income | 10.09M | 9.21M | 8.4M | 618K | 12.85M | 9.45M | 9.06M | 12.11M | 11.02M | 11.48M | 11.25M | 10.68M | 10.23M | 9.41M | 8.18M | 5.59M | 6.14M | 2.06M | 8.66M | 9.16M | 8.9M | 8.68M | 8.86M | 7.7M | 7.14M | 6.32M | 4.45M | 4.5M | 5.2M | 4.9M | 4.3M |
| Operating Margin % | 25.72% | 28.09% | 19.9% | 1.97% | 39.15% | 30.67% | 26.99% | 33.89% | 33.84% | 36.38% | 37.26% | 33.7% | 33.27% | 27.89% | 20.69% | 15.59% | 15.29% | 5.16% | 20.35% | 21.06% | 22.09% | 23.91% | 25.99% | 24.29% | 21.54% | 17.63% | 13.24% | 15.79% | 21.49% | 22.37% | 21.5% |
| Operating Income Growth % | - | 9.69% | 1258.74% | -95.19% | 36.04% | 4.26% | -25.2% | 9.89% | -4.02% | 2.05% | 5.38% | 4.36% | 8.76% | 14.98% | 46.24% | -8.94% | 197.67% | -76.17% | -5.44% | 2.93% | 2.51% | -2.03% | 15.02% | 7.88% | 13.01% | 42.08% | -1.19% | -13.46% | 6.12% | 13.95% | - |
| Pretax Income | 10.09M | 9.21M | 8.4M | 618K | 12.85M | 9.45M | 9.06M | 12.11M | 11.02M | 11.48M | 11.25M | 10.68M | 10.23M | 9.41M | 8.18M | 5.59M | 6.14M | 2.06M | 8.66M | 9.16M | 8.9M | 8.68M | 8.86M | 7.7M | 7.14M | 6.32M | 4.45M | 4.5M | 5.2M | 4.9M | 4.3M |
| Pretax Margin % | 25.72% | 28.09% | 19.9% | 1.97% | 39.15% | 30.67% | 26.99% | 33.89% | 33.84% | 36.38% | 37.26% | 33.7% | 33.27% | 27.89% | 20.69% | 15.59% | 15.29% | 5.16% | 20.35% | 21.06% | 22.09% | 23.91% | 25.99% | 24.29% | 21.54% | 17.63% | 13.24% | 15.79% | 21.49% | 22.37% | 21.5% |
| Income Tax | 2.17M | 1.96M | 2M | -777K | 2.5M | 1.41M | 1.6M | 2.37M | 2.19M | 3.64M | 3.1M | 2.82M | 2.78M | 2.29M | 1.42M | 57K | 798K | -340K | 2.02M | 2.24M | 2.31M | 2.21M | 2.35M | 2.28M | 2.08M | 1.88M | 1.43M | 1.6M | 1.8M | 1.8M | 1.5M |
| Effective Tax Rate % | 21.48% | 21.24% | 23.82% | -125.73% | 19.48% | 14.89% | 17.72% | 19.57% | 19.84% | 31.67% | 27.57% | 26.41% | 27.21% | 24.34% | 17.34% | 1.02% | 12.99% | -16.47% | 23.36% | 24.46% | 25.99% | 25.45% | 26.52% | 29.65% | 29.2% | 29.77% | 32.21% | 35.56% | 34.62% | 36.73% | 34.88% |
| Net Income | 7.92M | 7.25M | 6.4M | 1.4M | 10.35M | 8.04M | 7.45M | 9.74M | 8.83M | 7.85M | 8.15M | 7.86M | 7.45M | 7.12M | 6.76M | 5.54M | 5.35M | 2.4M | 6.64M | 6.92M | 6.58M | 6.47M | 6.51M | 5.42M | 5.05M | 4.58M | 3.01M | 2.9M | 3.4M | 3.1M | 2.8M |
| Net Margin % | 20.19% | 22.12% | 15.16% | 4.44% | 31.53% | 26.1% | 22.21% | 27.25% | 27.12% | 24.86% | 26.99% | 24.8% | 24.22% | 21.1% | 17.1% | 15.43% | 13.3% | 6.02% | 15.59% | 15.91% | 16.35% | 17.83% | 19.09% | 17.09% | 15.25% | 12.78% | 8.98% | 10.18% | 14.05% | 14.16% | 14% |
| Net Income Growth % | 20.85% | 13.41% | 358.57% | -86.52% | 28.7% | 7.85% | -23.48% | 10.27% | 12.59% | -3.73% | 3.72% | 5.5% | 4.64% | 5.25% | 22.12% | 3.59% | 122.38% | -63.78% | -4.06% | 5.06% | 1.78% | -0.61% | 20.14% | 7.2% | 10.41% | 51.9% | 3.93% | -14.71% | 9.68% | 10.71% | - |
| Net Income (Continuing) | 7.92M | 7.25M | 6.4M | 1.4M | 10.35M | 8.04M | 7.45M | 9.74M | 8.83M | 7.85M | 8.15M | 7.86M | 7.45M | 7.12M | 6.76M | 5.54M | 5.35M | 2.4M | 6.64M | 6.92M | 6.58M | 6.47M | 6.51M | 5.42M | 5.05M | 4.44M | 3.01M | 2.9M | 3.4M | 3.1M | 2.8M |
| EPS (Diluted) | 2.27 | 2.08 | 1.83 | 0.40 | 2.95 | 2.27 | 2.09 | 2.72 | 2.42 | 2.15 | 2.24 | 2.16 | 2.04 | 1.95 | 1.86 | 1.52 | 1.47 | 0.66 | 1.81 | 1.86 | 1.74 | 1.69 | 1.68 | 1.39 | 1.30 | 1.17 | 0.77 | 0.74 | 0.88 | 0.79 | 0.70 |
| EPS Growth % | 20.11% | 13.66% | 357.5% | -86.44% | 29.96% | 8.61% | -23.16% | 12.4% | 12.56% | -4.02% | 3.7% | 5.88% | 4.62% | 4.84% | 22.37% | 3.4% | 122.73% | -63.54% | -2.69% | 6.9% | 2.96% | 0.6% | 20.86% | 6.92% | 11.11% | 51.95% | 4.05% | -15.91% | 11.39% | 12.86% | - |
| EPS (Basic) | - | 2.08 | 1.83 | 0.40 | 2.95 | 2.27 | 2.09 | 2.72 | 2.42 | 2.15 | 2.24 | 2.16 | 2.04 | 1.95 | 1.86 | 1.52 | 1.47 | 0.66 | 1.81 | 1.86 | 1.74 | 1.69 | 1.68 | 1.39 | 1.30 | 1.17 | 0.77 | 0.74 | 0.88 | 0.79 | 0.70 |
| Diluted Shares Outstanding | 3.5M | 3.5M | 3.49M | 3.5M | 3.51M | 3.54M | 3.57M | 3.58M | 3.64M | 3.64M | 3.64M | 3.64M | 3.64M | 3.64M | 3.64M | 3.64M | 3.64M | 3.65M | 3.67M | 3.72M | 3.78M | 3.83M | 3.87M | 3.9M | 3.9M | 3.91M | 3.92M | 3.93M | 3.92M | 3.92M | 4M |
Geographic concentration in Alabama
As reported in recent financial filings, AUBN has demonstrated a resilient NII trajectory, with growth reaching 9.8% in 2026Q1, despite the broader challenges of a high-rate environment that has pressured the bank's ability to maintain consistent top-line expansion across its core East Alabama lending operations.
The bank's ability to sustain NII growth suggests that its localized deposit franchise remains relatively insulated from the aggressive rate-shopping seen in larger markets. However, investors should monitor whether this growth is sustainable if the cost of funding continues to rise, potentially narrowing the spread on new loan originations.
Based on the provided quarterly data, AUBN's net interest margin has remained stagnant at 0.8% as of 2026Q1, reflecting a challenging environment where the bank struggles to expand its yield spread despite the upward trajectory in interest-earning assets observed over the last several reporting periods.
The persistent low NIM suggests that the bank's funding costs are closely tracking asset yields, limiting the benefit of the current rate cycle. This compression warrants further investigation into the bank's deposit beta and whether the current pricing strategy is sufficient to protect long-term profitability.
According to the bank's income statement data, the efficiency ratio has fluctuated significantly, reaching 68.4% in 2026Q1, which indicates that the bank is currently facing difficulty in managing its non-interest expenses relative to the revenue generated by its core banking activities in the Auburn-Opelika market.
The elevated efficiency ratio appears to be a byproduct of the bank's high fixed-cost structure, which is difficult to scale in a period of revenue volatility. This trend suggests that management may need to prioritize cost rationalization to improve operating leverage and protect the bottom line.
As indicated by the bank's recent income statements, provision for credit losses has shown significant volatility, including a negative $2.7M provision in 2026Q1, which suggests that the bank is periodically adjusting its credit loss reserves in response to shifting expectations regarding the local economic environment.
The frequent swings in provision expense may mask the underlying earnings power of the bank, making it difficult to assess true credit quality. Investors should monitor whether these adjustments are reflective of actual loan performance or merely accounting shifts within the bank's CECL modeling framework.
Based on the reported financial figures, the bank's revenue has experienced significant instability, highlighted by a sharp -22.30% YoY decline, which may be partially attributed to the impact of unrealized losses within the securities portfolio that are not fully captured in the headline net income.
The reliance on non-interest income, which has turned negative in recent quarters, suggests that the bank's earnings are highly sensitive to market-driven fluctuations. This volatility warrants further investigation into the bank's hedging strategies and the potential for future balance sheet repositioning to mitigate these risks.
Quick answers to the most common questions about buying AUBN stock.
Auburn National Bancorporation, Inc. (AUBN) is profitable, generating $7.3M in net income for the fiscal year ending 2025 with a net profit margin of 22.1%.
Auburn National Bancorporation, Inc. (AUBN) reported an operating income of $9.2M, resulting in an operating profit margin of 28.1%. This margin reflects the operational efficiency of the business before interest and taxes.
Auburn National Bancorporation, Inc. (AUBN) generated $32.2M in gross profit for the year, representing a gross profit margin of 98.1%. This demonstrates the company's core pricing power and production efficiency.