Company Overview
Auburn National Bancorporation, Inc. operates as the bank holding company for AuburnBank, providing a comprehensive suite of banking products and services to customers in East Alabama. This entity functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which implies a localized focus on deposit gathering and loan origination rather than national or international diversification. The company maintains a market capitalization of $83.67M, generated from annual revenue of $32.16M, and supports an operational workforce of 145 employees. These valuation figures indicate that Auburn National Bancorporation, Inc. is a small-cap institution with a revenue profile typical of regional community banks, suggesting a business model reliant on local economic conditions and a limited geographic footprint rather than economies of scale found in larger financial institutions.
Financial Health
The company reported a trailing twelve-month revenue of $32.16M and a net income of $7.25M, while EBITDA figures are not disclosed in the available data. The significant gap between the total revenue of $32.16M and the net income of $7.25M reveals a cost structure where operating expenses and non-interest income account for the majority of the top line, which is characteristic of the banking sector where interest income is the primary driver and fees are secondary. Free cash flow is not reported for Auburn National Bancorporation, Inc., which indicates that the company's financial flexibility is derived primarily from its cash position rather than discretionary cash generation from operations. The balance sheet shows a substantial cash holding of $147.83M against total debt of $157,000, a disparity that suggests a highly conservative liquidity stance with minimal leverage obligations. Although the debt-to-equity ratio is not available, the comparison of $147.83M in cash to $157,000 in debt confirms that the entity holds significantly more liquid assets than debt liabilities. The current ratio is not provided, preventing a direct calculation of short-term liquidity relative to current liabilities, yet the cash position alone demonstrates ample resources to meet immediate obligations. Return on Equity stands at 8.5% while Return on Assets is 0.7%, metrics that reveal the efficiency of management in generating returns for shareholders relative to the total asset base, with the low ROA typical of banks where assets are largely interest-earning loans.
Valuation Assessment
The trailing twelve-month P/E ratio is 11.51, whereas the forward P/E ratio is not available, implying that market expectations for future earnings growth have not been quantified through a price-to-earnings multiple or that analyst consensus is unavailable. The price-to-book ratio is 0.91, indicating that the market values the company at 91% of its book value, which suggests the stock is trading at a discount to its accounting net asset value rather than a premium. The price-to-sales ratio is 2.60, and the EV/EBITDA multiple is not available, suggesting that valuation is best understood through revenue multiples and tangible book value rather than enterprise leverage metrics. Over the past year, the stock has fluctuated between a 52-week high of $29.00 and a 52-week low of $19.00, meaning the current price sits within a range that reflects moderate volatility relative to its recent trading history. The beta value is 0.44, which indicates that the stock price exhibits significantly lower volatility than the broader market, making it a less sensitive investment to general equity market fluctuations compared to the average stock.
Growth & Income
Revenue growth year-over-year is -2.3%, while earnings growth year-over-year is 6.7%, a divergence that implies the company is improving profitability despite a slight contraction in total sales volume. The dividend yield is 4.5% with a payout ratio of 51.9%, indicating that the company distributes a portion of its earnings to shareholders while retaining the remainder for operations or reserves. Given that the payout ratio is under 52%, the dividend is generally sustainable relative to the reported net income of $7.25M, provided earnings do not decline further in the coming period. Overall, Auburn National Bancorporation, Inc. presents a profile of modest revenue stability paired with profitable earnings expansion and a substantial current dividend yield, offering income characteristics distinct from high-growth technology or consumer discretionary peers.