📊 AUBN Key Takeaways
Is Auburn National Bancorporation, Inc. (AUBN) a Good Investment?
Auburn National Bancorporation exhibits severely depressed profitability metrics with ROE of 2.4% and ROA of 0.2%, indicating poor capital efficiency for a bank entity. The dangerously low interest coverage ratio of 1.1x suggests minimal cushion to service obligations, offsetting the positive aspects of zero leverage and strong cash reserves.
Auburn National Bancorporation shows solid bottom-line resilience, with net income and diluted EPS both improving year over year, positive operating cash flow, and no long-term debt. However, the reported 98.5% revenue decline, sub-1x interest coverage, and unusually high operating and free cash flow margins suggest earnings quality and reporting classification need close scrutiny before taking a more bullish view.
Auburn National Bancorporation, Inc. Key Strengths (AUBN)
- Zero long-term debt and conservative balance sheet leverage (Debt/Equity: 0.00x)
- Strong liquidity position with 146.2M cash equivalents representing ~14.6% of total assets
- Net income growth of 13.4% YoY demonstrates year-over-year earnings improvement
- Net income and diluted EPS grew year over year, indicating stable core profitability at the bottom line
- Balance sheet leverage appears conservative, with no long-term debt and a tangible equity base of roughly $92 million
- Operating cash flow and free cash flow are positive, supporting internal capital generation
AUBN Stock Risks: Auburn National Bancorporation, Inc. Investment Risks
- Extremely low interest coverage ratio of 1.1x indicates minimal buffer for adverse conditions or loan losses
- Weak profitability metrics with ROE of 2.4% and ROA of 0.2% far below banking industry standards
- Significant revenue decline of -98.5% YoY suggests underlying operational or business model challenges
- Operating cash flow of 2.5M relative to 1.0B asset base indicates poor cash generation efficiency
- Reported revenue fell 98.5% year over year, raising concern about core earnings momentum or data classification distortions
- ROA of 0.7% and ROE of 7.9% indicate only modest profitability for a bank, limiting upside from current operations
- Interest coverage of 0.8x and extreme margin figures suggest potential earnings-quality issues or heavy reliance on non-core items
Key Metrics to Watch
- Interest coverage ratio trend and loan loss provisions relative to asset quality
- Return on Equity trajectory toward competitive banking industry benchmarks (>8-10%)
- Net interest margin sustainability and fee income diversification
- Net interest income and total revenue trend in upcoming filings
- Provision for credit losses and nonperforming asset levels
Auburn National Bancorporation, Inc. (AUBN) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 686.3% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
AUBN Profit Margin, ROE & Profitability Analysis
AUBN vs Finance Sector: How Auburn National Bancorporation, Inc. Compares
How Auburn National Bancorporation, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Auburn National Bancorporation, Inc. Stock Overvalued? AUBN Valuation Analysis 2026
Based on fundamental analysis, Auburn National Bancorporation, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Auburn National Bancorporation, Inc. Balance Sheet: AUBN Debt, Cash & Liquidity
AUBN Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Auburn National Bancorporation, Inc.'s revenue has shown modest growth of 6% over the 5-year period. The most recent EPS of $1.83 reflects profitable operations.
AUBN Revenue Growth, EPS Growth & YoY Performance
AUBN Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $153.0K | $1.5M | $0.44 |
| Q3 2025 | $154.0K | $1.7M | $0.50 |
| Q2 2025 | $152.0K | $1.7M | N/A |
| Q1 2025 | $155.0K | $1.4M | N/A |
| Q3 2024 | $148.0K | $1.5M | N/A |
| Q2 2024 | $153.0K | $1.7M | N/A |
| Q1 2024 | $154.0K | $1.4M | N/A |
| Q3 2023 | $148.0K | $1.5M | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Auburn National Bancorporation, Inc. Dividends, Buybacks & Capital Allocation
AUBN SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Auburn National Bancorporation, Inc. (CIK: 0000750574)
📋 Recent SEC Filings
❓ Frequently Asked Questions about AUBN
What is the AI rating for AUBN?
Auburn National Bancorporation, Inc. (AUBN) has a Combined AI Grade of C from Claude (C) and ChatGPT (B) with 72% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are AUBN's key strengths?
Claude: Zero long-term debt and conservative balance sheet leverage (Debt/Equity: 0.00x). Strong liquidity position with 146.2M cash equivalents representing ~14.6% of total assets. ChatGPT: Net income and diluted EPS grew year over year, indicating stable core profitability at the bottom line. Balance sheet leverage appears conservative, with no long-term debt and a tangible equity base of roughly $92 million.
What are the risks of investing in AUBN?
Claude: Extremely low interest coverage ratio of 1.1x indicates minimal buffer for adverse conditions or loan losses. Weak profitability metrics with ROE of 2.4% and ROA of 0.2% far below banking industry standards. ChatGPT: Reported revenue fell 98.5% year over year, raising concern about core earnings momentum or data classification distortions. ROA of 0.7% and ROE of 7.9% indicate only modest profitability for a bank, limiting upside from current operations.
What is AUBN's revenue and growth?
Auburn National Bancorporation, Inc. reported revenue of $153.0K.
Does AUBN pay dividends?
Auburn National Bancorporation, Inc. does not currently pay dividends.
Where can I find AUBN SEC filings?
Official SEC filings for Auburn National Bancorporation, Inc. (CIK: 0000750574) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is AUBN's EPS?
Auburn National Bancorporation, Inc. has a diluted EPS of $0.63.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is AUBN's fundamental grade?
Based on our AI fundamental analysis in June 2026, Auburn National Bancorporation, Inc. has a C grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is AUBN stock overvalued or undervalued?
Valuation metrics for AUBN: ROE of 2.4% (sector avg: 12%), net margin of 1,436.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is AUBN's AI grade for 2026?
Our dual AI analysis gives Auburn National Bancorporation, Inc. a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is AUBN's free cash flow?
Auburn National Bancorporation, Inc.'s operating cash flow is $2.5M, with capital expenditures of $1.5M. FCF margin is 686.3%.
How does AUBN compare to other Finance stocks?
Vs Finance sector averages: Net margin 1,436.6% (avg: 25%), ROE 2.4% (avg: 12%), current ratio N/A (avg: 1.2).