Auburn National Bancorporation, Inc. (AUBN) Stock Analysis

Why this analysis is different

• A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
• An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
• Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.

Auburn National Bancorporation, Inc. (AUBN) Financial Services Profile

Auburn National Bancorporation, Inc., operating as AuburnBank, provides traditional banking services in East Alabama. With a history dating back to 1907, the company offers deposit accounts, loans, and electronic banking solutions through its branch network and online platforms, emphasizing a community banking model and a dividend yield of 4.55%.

What Is the Investment Thesis for AUBN?

Auburn National Bancorporation presents a stable, income-generating investment opportunity within the regional banking sector. A dividend yield of 4.55% offers an attractive return for income-focused investors. Growth catalysts include expansion of loan production offices and enhanced digital banking services to attract and retain customers. However, potential risks include competition from larger regional and national banks, as well as the impact of economic downturns on loan performance. The company's P/E ratio of 11.13 suggests a reasonable valuation relative to its earnings.

Based on FMP financials and quantitative analysis

AUBN Key Highlights

Market capitalization of $93.6M indicates a small-cap bank with potential for growth.

• P/E ratio of 11.13 suggests the company is reasonably valued compared to its earnings.
• Profit margin of 20.2% demonstrates strong profitability compared to the industry average.
• Gross margin of 84.3% highlights efficient operations and pricing strategies.
• Dividend yield of 4.55% offers an attractive income stream for investors.

Who Are AUBN's Competitors?

AUBN is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.

AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance

What Are AUBN's Key Strengths?

Long-standing presence in East Alabama.

• Strong local relationships and community ties.
• Conservative lending practices.
• Attractive dividend yield.

What Are AUBN's Weaknesses?

Limited geographic footprint.

• Smaller size compared to larger regional and national banks.
• Dependence on traditional banking services.
• Limited investment in technology and digital banking.

What Could Drive AUBN Stock Higher?

Expansion of digital banking services to attract and retain customers.

• Potential acquisitions of smaller community banks in Alabama to expand market share.
• Continued focus on cost efficiency and operational improvements to enhance profitability.

What Are the Key Risks for AUBN?

Financial-distress signal — its Altman Z-Score of 0.30 sits in the distress zone (elevated bankruptcy risk).

• Economic downturn in East Alabama could negatively impact loan performance.
• Competition from larger regional and national banks could erode market share.
• Regulatory changes and compliance costs could increase operating expenses.
• Cybersecurity threats and data breaches could damage the bank's reputation and financial performance.

What Are the Growth Opportunities for AUBN?

• Expansion of Loan Production Offices: Auburn National Bancorporation can expand its loan production offices in strategic locations within Alabama to increase its loan portfolio. The market for commercial and consumer loans in Alabama is estimated to be $50 billion. By establishing new loan production offices in high-growth areas, the company can tap into underserved markets and increase its lending volume over the next 3-5 years.
• Enhancement of Digital Banking Services: Investing in and expanding digital banking services can attract and retain tech-savvy customers. The digital banking market is projected to reach $9 trillion by 2028. By offering enhanced mobile banking apps, online account management tools, and digital payment solutions, Auburn National Bancorporation can improve customer experience and expand its reach beyond its physical branch network within the next 2 years.
• Strategic Partnerships with Local Businesses: Forming strategic partnerships with local businesses can drive customer acquisition and cross-selling opportunities. The market for business banking services in East Alabama is approximately $1 billion. By partnering with local chambers of commerce and business associations, Auburn National Bancorporation can offer tailored financial solutions to local businesses and increase its market share over the next 3 years.
• Focus on Wealth Management Services: Expanding wealth management services can generate additional revenue streams and diversify the company's income base. The wealth management market in Alabama is estimated to be $200 billion. By offering financial planning, investment management, and trust services, Auburn National Bancorporation can attract high-net-worth individuals and families and increase its fee-based income over the next 5 years.
• Community Development Initiatives: Participating in community development initiatives can enhance the company's reputation and attract socially responsible investors. The market for community development investments is growing, with increasing demand for projects that address social and environmental issues. By supporting affordable housing, small business development, and educational programs, Auburn National Bancorporation can strengthen its ties to the local community and attract investors who prioritize social impact over the next 2-4 years.

What Are AUBN's Competitive Advantages?

• Established presence in East Alabama since 1907.
• Strong local relationships and community ties.
• Personalized service and local decision-making.
• Conservative lending practices and strong credit culture.

What Does AUBN Do?

Auburn National Bancorporation, Inc. was established in 1907 and serves as the holding company for AuburnBank. The bank provides a range of banking products and services to individuals and businesses within East Alabama. Its core offerings include various deposit accounts such as checking, savings, and certificates of deposit. AuburnBank also provides a suite of lending solutions, including commercial, financial, agricultural, real estate construction, and consumer loans. The company supplements these traditional banking services with modern conveniences such as automated teller services, debit cards, online banking, bill payment, and safe deposit boxes. AuburnBank operates seven full-service branches located in Auburn, Opelika, Notasulga, and Valley, Alabama, along with loan production offices in Auburn and Phenix City, Alabama. The bank focuses on fostering long-term relationships with its customers, emphasizing personalized service and local decision-making. Auburn National Bancorporation's strategy centers on sustainable growth within its existing footprint while maintaining a strong credit culture and efficient operations. The company's commitment to the local community is reflected in its support for local initiatives and its focus on serving the financial needs of East Alabama residents and businesses.

What Products and Services Does AUBN Offer?

• Provides checking and savings accounts to individuals and businesses.
• Offers commercial, financial, agricultural, real estate construction, and consumer loans.
• Provides certificates of deposit for customers seeking fixed-term investments.
• Offers automated teller services for convenient cash access.
• Provides debit cards for point-of-sale transactions.
• Offers online banking and bill payment services for remote account management.
• Provides safe deposit boxes for secure storage of valuables.

How Does AUBN Make Money?

• Generates revenue from interest earned on loans.
• Earns fees from deposit accounts and other financial services.
• Manages risk through credit analysis and loan diversification.
• Maintains a network of branches and loan production offices.

What Industry Does AUBN Operate In?

Auburn National Bancorporation operates within the competitive regional banking sector. This sector is characterized by established players and increasing competition from larger national banks and fintech companies. Regional banks like AuburnBank differentiate themselves through personalized service, local expertise, and community involvement. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and economic conditions. The trend toward digital banking is reshaping the competitive landscape, requiring regional banks to invest in technology to remain competitive.

Who Are AUBN's Key Customers?

• Individuals seeking personal banking services.
• Small businesses requiring commercial loans and deposit accounts.
• Farmers and agricultural businesses needing financing.
• Real estate developers seeking construction loans.

Company Profile

Auburn National Bancorporation, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Auburn, US. The company is led by CEO David A. Hedges. AUBN has traded publicly since 1995.

Auburn National Bancorporation, Inc. Financial Trajectory

Auburn National Bancorporation, Inc. (AUBN) reported $8.8M in revenue for Q2 FY2026, reflecting 1.6% growth compared to the prior quarter. The company recorded net income of $2.3M, with diluted EPS of $0.66. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, AUBN averaged $0.60 in diluted EPS.

How Auburn National Bancorporation, Inc. Is Valued

Auburn National Bancorporation, Inc. carries a market capitalization of $93.6M, placing it in the micro-cap category. Relative to its peer group, AUBN's quantitative score of 72/100 is below the peer average of 91/100.

Return on equity for Auburn National Bancorporation, Inc. stands at 8.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. AUBN trades at a trailing price-to-earnings ratio of 11.13, below the Financial Services sector average of ~17.50x. Its free cash flow yield is 12.4%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 9.0%, the inverse of the P/E and a quick read on earnings relative to price.

Auburn National Bancorporation, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.30 places it in the distress zone, a signal of elevated financial risk.

Over the past six months, Auburn National Bancorporation, Inc. insiders filed 24 SEC Form 4 transactions — 0 sales and 24 purchases. On net that is roughly 8K shares acquired (about $47K) — insiders putting money in tends to read as conviction.

AUBN Financials

AUBN Latest News

AUBN Analyst Consensus

AUBN MoonshotScore

AUBN Financial Services Stock FAQ

Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

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