Auburn National Bancorporation, Inc. Logo

Auburn National Bancorporation, Inc.

AUBN

(2.8)
Stock Price

19,96 USD

0.96% ROA

1.97% ROE

7.57x PER

Market Cap.

74.395.201,00 USD

0% DER

5.06% Yield

5.98% NPM

Auburn National Bancorporation, Inc. Stock Analysis

Auburn National Bancorporation, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Auburn National Bancorporation, Inc. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (0%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Dividend Growth

The company's dividend growth has consistently increased every year in the last five years, indicating a strong track record of positive returns for investors.

3 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

4 ROE

ROE in an average range (13.63%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.96%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 PBV

The stock's PBV ratio (1.19x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

8 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (51) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

11 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

Auburn National Bancorporation, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Auburn National Bancorporation, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Auburn National Bancorporation, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Auburn National Bancorporation, Inc. Revenue
Year Revenue Growth
1996 10.400.000
1997 11.600.000 10.34%
1998 13.000.000 10.77%
1999 15.100.000 13.91%
2000 15.932.943 5.23%
2001 19.891.206 19.9%
2002 20.138.627 1.23%
2003 20.290.939 0.75%
2004 21.584.048 5.99%
2005 20.972.268 -2.92%
2006 20.628.944 -1.66%
2007 21.541.000 4.23%
2008 22.072.000 2.41%
2009 21.947.000 -0.57%
2010 26.165.000 16.12%
2011 24.402.000 -7.22%
2012 31.380.000 22.24%
2013 28.220.000 -11.2%
2014 25.386.000 -11.16%
2015 27.250.000 6.84%
2016 26.115.000 -4.35%
2017 27.967.000 6.62%
2018 28.895.000 3.21%
2019 31.558.000 8.44%
2020 29.713.000 -6.21%
2021 28.278.000 -5.07%
2022 3.234.000 -774.4%
2023 28.548.000 88.67%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Auburn National Bancorporation, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Auburn National Bancorporation, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1996 2.900.000
1997 3.100.000 6.45%
1998 3.300.000 6.06%
1999 3.900.000 15.38%
2000 3.407.820 -14.44%
2001 4.215.378 19.16%
2002 4.629.165 8.94%
2003 4.751.166 2.57%
2004 5.386.800 11.8%
2005 5.453.386 1.22%
2006 6.714.141 18.78%
2007 7.110.000 5.57%
2008 7.278.000 2.31%
2009 7.819.000 6.92%
2010 7.950.000 1.65%
2011 8.167.000 2.66%
2012 9.377.000 12.9%
2013 9.300.000 -0.83%
2014 9.408.000 1.15%
2015 9.765.000 3.66%
2016 10.232.000 4.56%
2017 10.357.000 1.21%
2018 10.963.000 5.53%
2019 12.112.000 9.49%
2020 11.572.000 -4.67%
2021 12.136.000 4.65%
2022 11.142.000 -8.92%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Auburn National Bancorporation, Inc. EBITDA
Year EBITDA Growth
1996 14.600.000
1997 15.600.000 6.41%
1998 16.900.000 7.69%
1999 18.400.000 8.15%
2000 22.592.949 18.56%
2001 22.824.286 1.01%
2002 21.414.595 -6.58%
2003 21.392.831 -0.1%
2004 23.106.121 7.41%
2005 25.437.625 9.17%
2006 29.407.160 13.5%
2007 31.539.000 6.76%
2008 30.203.000 -4.42%
2009 20.788.000 -45.29%
2010 21.619.000 3.84%
2011 17.741.000 -21.86%
2012 17.189.000 -3.21%
2013 16.771.000 -2.49%
2014 16.376.000 -2.41%
2015 16.279.000 -0.6%
2016 16.536.000 1.55%
2017 16.093.000 -2.75%
2018 15.635.000 -2.93%
2019 13.268.000 -17.84%
2020 10.725.000 -23.71%
2021 10.689.000 -0.34%
2022 16.756.000 36.21%
2023 6.680.000 -150.84%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Auburn National Bancorporation, Inc. Gross Profit
Year Gross Profit Growth
1996 10.400.000
1997 11.600.000 10.34%
1998 13.000.000 10.77%
1999 15.100.000 13.91%
2000 15.932.943 5.23%
2001 19.891.206 19.9%
2002 20.138.627 1.23%
2003 20.290.939 0.75%
2004 21.584.048 5.99%
2005 20.972.268 -2.92%
2006 20.628.944 -1.66%
2007 21.541.000 4.23%
2008 22.072.000 2.41%
2009 21.947.000 -0.57%
2010 26.165.000 16.12%
2011 30.045.000 12.91%
2012 31.380.000 4.25%
2013 27.202.000 -15.36%
2014 25.386.000 -7.15%
2015 27.250.000 6.84%
2016 26.115.000 -4.35%
2017 27.967.000 6.62%
2018 28.895.000 3.21%
2019 31.558.000 8.44%
2020 29.713.000 -6.21%
2021 28.278.000 -5.07%
2022 3.234.000 -774.4%
2023 28.548.000 88.67%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Auburn National Bancorporation, Inc. Net Profit
Year Net Profit Growth
1996 2.800.000
1997 3.100.000 9.68%
1998 3.400.000 8.82%
1999 2.900.000 -17.24%
2000 3.014.014 3.78%
2001 4.578.222 34.17%
2002 5.054.655 9.43%
2003 5.418.520 6.72%
2004 6.509.776 16.76%
2005 6.469.563 -0.62%
2006 6.584.928 1.75%
2007 6.918.000 4.81%
2008 6.637.000 -4.23%
2009 2.404.000 -176.08%
2010 5.346.000 55.03%
2011 5.538.000 3.47%
2012 6.763.000 18.11%
2013 7.118.000 4.99%
2014 7.448.000 4.43%
2015 7.858.000 5.22%
2016 8.150.000 3.58%
2017 7.846.000 -3.87%
2018 8.834.000 11.18%
2019 9.741.000 9.31%
2020 7.454.000 -30.68%
2021 8.039.000 7.28%
2022 10.346.000 22.3%
2023 5.952.000 -73.82%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Auburn National Bancorporation, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1996 1
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 100%
2002 1 0%
2003 1 0%
2004 2 0%
2005 2 0%
2006 2 0%
2007 2 0%
2008 2 0%
2009 1 0%
2010 1 100%
2011 2 0%
2012 2 0%
2013 2 0%
2014 2 50%
2015 2 0%
2016 2 0%
2017 2 0%
2018 2 0%
2019 3 0%
2020 2 0%
2021 2 0%
2022 3 0%
2023 2 -100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Auburn National Bancorporation, Inc. Free Cashflow
Year Free Cashflow Growth
1996 2.000.000
1997 3.400.000 41.18%
1998 2.800.000 -21.43%
1999 1.000.000 -180%
2000 5.262.596 81%
2001 -4.235.357 224.25%
2002 10.394.443 140.75%
2003 7.759.390 -33.96%
2004 12.266.314 36.74%
2005 -17.732.710 169.17%
2006 -2.756.218 -543.37%
2007 5.710.000 148.27%
2008 3.806.000 -50.03%
2009 3.497.000 -8.84%
2010 10.237.000 65.84%
2011 12.520.000 18.23%
2012 13.508.000 7.31%
2013 13.259.000 -1.88%
2014 9.787.000 -35.48%
2015 9.318.000 -5.03%
2016 9.281.000 -0.4%
2017 7.783.000 -19.25%
2018 11.901.000 34.6%
2019 9.041.000 -31.63%
2020 1.373.000 -558.49%
2021 -7.855.000 117.48%
2022 3.931.000 299.82%
2023 3.188.000 -23.31%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Auburn National Bancorporation, Inc. Operating Cashflow
Year Operating Cashflow Growth
1996 2.200.000
1997 3.900.000 43.59%
1998 3.200.000 -21.88%
1999 1.400.000 -128.57%
2000 5.461.040 74.36%
2001 -3.779.137 244.5%
2002 10.862.728 134.79%
2003 7.905.854 -37.4%
2004 12.412.886 36.31%
2005 7.876.628 -57.59%
2006 -533.814 1575.54%
2007 6.681.000 107.99%
2008 6.016.000 -11.05%
2009 4.321.000 -39.23%
2010 10.383.000 58.38%
2011 14.088.000 26.3%
2012 15.057.000 6.44%
2013 13.721.000 -9.74%
2014 10.531.000 -30.29%
2015 10.852.000 2.96%
2016 10.487.000 -3.48%
2017 9.401.000 -11.55%
2018 12.141.000 22.57%
2019 10.850.000 -11.9%
2020 9.728.000 -11.53%
2021 12.320.000 21.04%
2022 10.980.000 -12.2%
2023 3.318.000 -230.92%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Auburn National Bancorporation, Inc. Capital Expenditure
Year Capital Expenditure Growth
1996 200.000
1997 500.000 60%
1998 400.000 -25%
1999 400.000 0%
2000 198.444 -101.57%
2001 456.220 56.5%
2002 468.285 2.58%
2003 146.464 -219.73%
2004 146.572 0.07%
2005 25.609.338 99.43%
2006 2.222.404 -1052.33%
2007 971.000 -128.88%
2008 2.210.000 56.06%
2009 824.000 -168.2%
2010 146.000 -464.38%
2011 1.568.000 90.69%
2012 1.549.000 -1.23%
2013 462.000 -235.28%
2014 744.000 37.9%
2015 1.534.000 51.5%
2016 1.206.000 -27.2%
2017 1.618.000 25.46%
2018 240.000 -574.17%
2019 1.809.000 86.73%
2020 8.355.000 78.35%
2021 20.175.000 58.59%
2022 7.049.000 -186.21%
2023 130.000 -5322.31%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Auburn National Bancorporation, Inc. Equity
Year Equity Growth
1996 23.100.000
1997 26.000.000 11.15%
1998 28.900.000 10.03%
1999 28.400.000 -1.76%
2000 31.805.057 10.71%
2001 35.833.933 11.24%
2002 39.582.424 9.47%
2003 40.407.884 2.04%
2004 44.504.248 9.2%
2005 43.954.478 -1.25%
2006 48.418.101 9.22%
2007 53.018.000 8.68%
2008 57.128.000 7.19%
2009 56.183.000 -1.68%
2010 56.368.000 0.33%
2011 65.416.000 13.83%
2012 70.149.000 6.75%
2013 64.485.000 -8.78%
2014 75.799.000 14.93%
2015 79.949.000 5.19%
2016 82.177.000 2.71%
2017 86.906.000 5.44%
2018 87.107.000 0.23%
2019 94.151.000 7.48%
2020 107.689.000 12.57%
2021 105.925.000 -1.67%
2022 82.925.000 -27.74%
2023 61.451.000 -34.94%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Auburn National Bancorporation, Inc. Assets
Year Assets Growth
1996 258.100.000
1997 264.700.000 2.49%
1998 307.900.000 14.03%
1999 377.500.000 18.44%
2000 404.689.253 6.72%
2001 474.328.175 14.68%
2002 505.026.952 6.08%
2003 590.114.913 14.42%
2004 591.161.309 0.18%
2005 608.153.761 2.79%
2006 635.125.825 4.25%
2007 688.659.000 7.77%
2008 745.970.000 7.68%
2009 773.382.000 3.54%
2010 763.829.000 -1.25%
2011 776.218.000 1.6%
2012 759.833.000 -2.16%
2013 751.343.000 -1.13%
2014 789.231.000 4.8%
2015 817.189.000 3.42%
2016 831.943.000 1.77%
2017 853.381.000 2.51%
2018 818.077.000 -4.32%
2019 827.684.000 1.16%
2020 956.597.000 13.48%
2021 1.073.564.000 10.9%
2022 1.074.735.000 0.11%
2023 1.030.724.000 -4.27%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Auburn National Bancorporation, Inc. Liabilities
Year Liabilities Growth
1996 235.000.000
1997 238.700.000 1.55%
1998 279.000.000 14.44%
1999 349.100.000 20.08%
2000 372.884.196 6.38%
2001 438.494.242 14.96%
2002 465.444.528 5.79%
2003 549.707.029 15.33%
2004 546.657.061 -0.56%
2005 564.199.283 3.11%
2006 586.707.724 3.84%
2007 635.641.000 7.7%
2008 688.842.000 7.72%
2009 717.199.000 3.95%
2010 707.461.000 -1.38%
2011 710.802.000 0.47%
2012 689.684.000 -3.06%
2013 686.858.000 -0.41%
2014 713.432.000 3.72%
2015 737.240.000 3.23%
2016 749.766.000 1.67%
2017 766.475.000 2.18%
2018 730.970.000 -4.86%
2019 0 0%
2020 0 0%
2021 0 0%
2022 991.810.000 100%
2023 0 0%

Auburn National Bancorporation, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
7.42
Net Income per Share
2.82
Price to Earning Ratio
7.57x
Price To Sales Ratio
2.87x
POCF Ratio
5.76
PFCF Ratio
6.6
Price to Book Ratio
1.21
EV to Sales
2.87
EV Over EBITDA
5.65
EV to Operating CashFlow
5.75
EV to FreeCashFlow
6.6
Earnings Yield
0.13
FreeCashFlow Yield
0.15
Market Cap
0,07 Bil.
Enterprise Value
0,07 Bil.
Graham Number
33.37
Graham NetNet
0

Income Statement Metrics

Net Income per Share
2.82
Income Quality
1.31
ROE
0.14
Return On Assets
0
Return On Capital Employed
0.06
Net Income per EBT
2.26
EBT Per Ebit
0.1
Ebit per Revenue
0.27
Effective Tax Rate
-1.26

Margins

Sales, General, & Administrative to Revenue
0.32
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.27
Pretax Profit Margin
0.03
Net Profit Margin
0.06

Dividends

Dividend Yield
0.05
Dividend Yield %
5.06
Payout Ratio
0.38
Dividend Per Share
1.08

Operating Metrics

Operating Cashflow per Share
3.7
Free CashFlow per Share
3.22
Capex to Operating CashFlow
-0.13
Capex to Revenue
-0.06
Capex to Depreciation
-0.98
Return on Invested Capital
0.16
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.48

Balance Sheet

Cash per Share
0,00
Book Value per Share
17,58
Tangible Book Value per Share
294.79
Shareholders Equity per Share
17.58
Interest Debt per Share
0.95
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
0
Current Ratio
0
Tangible Asset Value
1,03 Bil.
Net Current Asset Value
0,00 Bil.
Invested Capital
0
Working Capital
0,00 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Auburn National Bancorporation, Inc. Dividends
Year Dividends Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 100%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Auburn National Bancorporation, Inc. Profile

About Auburn National Bancorporation, Inc.

Auburn 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.

CEO
Mr. David A. Hedges
Employee
149
Address
132 North Gay Street
Auburn, 36830

Auburn National Bancorporation, Inc. Executives & BODs

Auburn National Bancorporation, Inc. Executives & BODs
# Name Age
1 Mr. David A. Hedges
President, Chief Executive Officer & Director
70
2 Mr. William James Walker IV
Senior Vice President & Chief Financial Officer
70
3 Greg Pettey
Senior Vice President of Commercial & Consumer Lending of Tiger Town - AuburnBank
70
4 Mr. John C. Ham
Senior Vice President
70
5 Mr. Jerome B. Siegel
Senior Vice President of IT & Chief Technology Officer - AuburnBank
70
6 Ms. Shannon S. O'Donnell
Chief Risk Officer and Senior Vice President of Credit Administration
70
7 Mr. Robert Lawrence Smith
Senior Vice President & Chief Lending Officer of AuburnBank
70
8 Mr. Kris W. Blackmon
Vice President, Asset & Liability Manager and Chief Investment Officer, Auburnbank
70
9 Dr. C. Wayne Alderman
Independent Director & Secretary
70
10 Ms. Marla L. Kickliter
Senior Vice President of Compliance & Internal Auditor of Auburnbank
70

Auburn National Bancorporation, Inc. Competitors