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Auburn National Bancorporation, Inc.

AUBN Financial Banks Regional

Auburn National Bancorporation, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $43.9 million, up 3.98% from fiscal 2024.

Revenue
+5.12%
EPS
+26.9%
Free cash flow
−25.2%

Quarter to June 2026, against a year earlier

25.90 0.72 +2.86%
Market cap
$92.1M
P/E
10.7×
Fwd P/E
—
Dividend yield
4.17%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.08
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 2 5 1 1 5 2 — 4 — 4 — —
Sell — — — — — — — — — — — —
Insider Ownership 30.70%

Capital & Financial Ratios $m

Size
Market Cap 92.05
Revenue ttm 45.09
Net income ttm 8.39
Free cash flow ttm 10.38
Net debt Q (211.65)
Valuation
P/E 10.75
Forward P/E —
Price / sales 2.01
Forward P/S Powerpack
Price / FCF 8.71
Price / book 0.96
Financial health
Current ratio Q 0.79
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +5.12% (above 0%: growing)
Operating income growth Q +25.50% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs −0.10% (below 0%: weak)
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 13.83%
10-year low 10-year high
P/S against its own 10 years 17.58%
10-year low 10-year high
P/B against its own 10 years 15.82%
10-year low 10-year high

Dividends

Yield
4.17%
Annual rate
1.08
Payout ratio
44.8%
Growth, 2018–26
−2.10%/yr
  1. 0.96 ’18
  2. 1.00 ’19 +4
  3. 1.02 ’20 +2
  4. 1.04 ’21 +2
  5. 1.06 ’22 +2
  6. 1.08 ’23 +2
  7. 1.08 ’24 +0
  8. 1.08 ’25 +0
  9. 0.81 ’26 −25
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 71 93 148 212
Receivables — — — —
Inventory — — — —
Other — — — —
622 651 706 785
2023 2024 2025 Q'26
Payables 896 896 923 988
ST’ Debt — — — —
Other — — — —
899 899 927 992

Compound Annual Growth %

10y 5y 3y
Sales 3.31% 5.51% 6.78%
Cash Flow 1.30% 4.89% 3.99%
Earnings (0.80%) (0.54%) (11.16%)
Book Value 1.42% (3.09%) 10.60%

EPS $

Mar Jun Sep Dec Year
’26 0.63 0.66 — — —
’25 0.44 0.52 0.64 0.48 2.08
’24 0.39 0.50 0.50 0.45 1.83
’23 0.56 0.55 0.43 (1.14) 0.40
’22 0.59 0.51 0.57 1.27 2.95
’21 0.56 0.65 0.53 0.53 2.27
’20 0.50 0.47 0.54 0.58 2.09
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 11 11 — — —
’25 11 11 11 11 44
’24 10 10 11 11 42
’23 9 9 10 4 31
’22 8 8 9 12 36
’21 8 8 8 8 31
’20 8 8 8 8 34
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 3 2 — — —
’25 3 2 4 4 12
’24 3 3 2 3 11
’23 5 2 3 1 12
’22 2 2 5 2 11
’21 6 0 4 3 12
’20 2 2 0 6 10
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 2 1 — — —
’25 2 2 4 3 11
’24 2 2 2 3 9
’23 5 2 3 1 11
’22 1 (1) 3 5 9
’21 0 (3) (2) (4) (8)
’20 2 2 (1) (1) 2
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 30 32 33 36 34 31 36 31 42 44 45 +4.2% — — — —
Gross margin, % 86.48 88.61 88.71 88.30 88.51 91.83 93.40 74.37 72.50 74.72 75.98 (11.8) pt
EBT 11 11 11 12 9 9 13 1 8 9 11 (2.2%)
EBT margin, % 37.26 36.38 33.84 33.89 26.99 30.67 35.64 1.97 19.90 20.99 23.69 (16.3) pt
Net income 8 8 9 10 7 8 10 1 6 7 8 (1.3%)
Per share, $
Per share, $ Revenue 8.29 8.66 8.94 9.98 9.41 8.69 10.27 8.97 12.08 12.56 12.91 +4.7%
Earnings 2.24 2.15 2.42 2.72 2.09 2.27 2.95 0.40 1.83 2.08 2.41 (0.8%)
Cash flow 2.88 2.58 3.33 3.03 2.73 3.48 3.13 3.40 3.09 3.53 3.33 +2.3%
Capex (0.13) (0.40) 0.31 (0.40) (2.30) (5.69) (0.65) (0.12) (0.60) (0.42) (0.36) +13.7%
Free cash flow 2.74 2.18 3.64 2.63 0.43 (2.22) 2.47 3.28 2.50 3.11 2.97 +1.4%
Book value 22.55 23.85 24.44 27.46 30.20 29.26 19.38 21.87 22.41 26.35 26.88 +1.7%
Shares, m 4 4 4 4 4 4 4 3 3 3 3 (0.5%)
Valuation, ×
Valuation, × P/E 13.95 18.17 13.08 19.56 19.95 14.23 7.67 52.58 12.77 12.96 10.75 18.5
P/S 3.77 4.53 3.54 5.31 4.43 3.72 2.20 2.34 1.94 2.15 2.01 3.4
P/B 1.39 1.65 1.30 1.93 1.38 1.10 1.16 0.96 1.05 1.02 0.96 1.3
EV/Sales (0.14) 1.29 1.64 2.81 1.17 (1.25) 1.53 0.17 (0.19) (1.15) — 0.6
EV/FCF (0.42) 5.13 4.04 10.66 25.79 4.91 6.35 0.47 (0.92) (4.64) — 5.1
Cash, $m
Cash, $m Operating cash flow 10 9 12 11 10 12 11 12 11 12 12 +1.8%
Capex 0 (1) 1 (1) (8) (20) (2) 0 (2) (1) (1) +13.2%
Free cash flow 10 8 13 9 2 (8) 9 11 9 11 10 +0.9%
Balance, $m
Balance, $m Working capital (197) (207) (191) (178) (277) (390) (430) (277) (249) (221) (207) +1.2%
Net debt (118) (102) (65) (92) (113) (156) (27) (71) (93) (148) (212) +2.5%
Shareholders’ equity 82 87 89 98 108 104 68 77 78 92 94 +1.3%
Returns, %
Returns, % ROA 0.99 0.93 1.06 1.18 0.84 0.78 0.97 0.14 0.66 0.73 0.79 (0.3) pt
ROIC 0.00 0.00 28.73 128.62 0.00 0.00 19.69 7.52 0.00 0.00 0.00 0.0 pt
ROE 10.05 9.28 10.04 10.40 7.24 7.60 12.05 1.93 8.26 8.52 9.32 (1.5) pt
People
People Employees 158 156 158 164 152 152 150 150 145 145 — (0.9%)
Revenue/emp, $m 0.19 0.20 0.21 0.22 0.22 0.20 0.24 0.21 0.29 0.30 — +5.2%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Auburn National Bancorporation, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PBHC Pathfinder Bancorp, Inc. $105.6M 836× — +9.22% (above 0%: growing) +7,976.92% (above 0%: growing) +155.06% (above 0%: growing) 60.96% 0.00% Compare
FNWB First Northwest Bancorp $96.0M — (loss-making) 128× −3.97% (below 0%: shrinking) n/m −247.30% (below 0%: shrinking) 59.40% 0.00% Compare
AUBN Auburn National Bancorporation, Inc. $92.1M 10.7× — +5.12% (above 0%: growing) +26.92% (above 0%: growing) −25.23% (below 0%: shrinking) 76.51% 0.00%
FDSB Fifth District Bancorp, Inc. $91.7M 52.0× — −34.40% (below 0%: shrinking) −86.89% (below 0%: shrinking) +457.01% (above 0%: growing) 65.53% 0.00% Compare
CPBI Central Plains Bancshares, Inc. $86.8M 17.5× 5.0× +15.12% (above 0%: growing) +50.00% (above 0%: growing) +73.89% (above 0%: growing) 70.52% 0.00% Compare
FUSB FIRST US BANCSH $84.5M 11.9× — −0.42% (below 0%: shrinking) +9.09% (above 0%: growing) −0.33% (below 0%: shrinking) 67.30% 0.00% Compare
UBCP United Bancorp, Inc. $83.3M 10.4× 10.5× +2.96% (above 0%: growing) +9.09% (above 0%: growing) −109.56% (below 0%: shrinking) 70.95% 0.00% Compare
ASRV AmeriServ Financial Inc. $82.9M 9.6× — (loss-making) +4.04% (above 0%: growing) n/m −756.91% (below 0%: shrinking) 70.16% 0.00% Compare
SSBI Summit State Bank $77.1M 33.6× — −3.24% (below 0%: shrinking) n/m −207.35% (below 0%: shrinking) 100.00% 0.00% Compare
Median of peers $85.6M 17.5× 10.5× +1.27% +9.09% −54.94% 68.73% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 2 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 489.65k 488.88k 135.85
2024 393.22k 393.22k 113.05
2023 341.22k 341.22k 97.19
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

Auburn National Bancorporation, Inc. (AUBN) Latest News

27 Oct

Impact 3 · · Associated Press
Impact 3 · · GlobeNewswire

28 Jul

Impact 3 ·

28 Apr

Impact 3 ·

17 Mar

Impact 3 · · GlobeNewswire

6 Feb

Impact 3 · · Simply Wall St.

5 Feb

Impact 3 · · Simply Wall St.

30 Jan

Impact 3 ·

27 Jan

Impact 3 · · Associated Press Finance
Impact 3 · · GlobeNewswireAssociated Press FinanceZacksZacksGuruFocus.comMarketBeatZacksStockStory

9 Jan

Impact 3 · · Simply Wall St.

24 Dec

Impact 3 · · Simply Wall St.

23 Oct

Impact 4 · · GlobeNewswire
Impact 3 · · Associated Press Finance
Impact 3 · · Simply Wall St.

22 Oct

Impact 3 · · Simply Wall St.

21 Oct

Impact 3 · · Simply Wall St.

6 Oct

Impact 3 · · GlobeNewswireMT NewswiresMT NewswiresMT NewswiresInsider Monkey

8 Sep

Impact 3 · · Simply Wall St.

5 Sep

Impact 3 ·

2 Sep

Impact 3 ·

1 Sep

Impact 3 ·

19 Aug

Impact 3 · · Simply Wall St.

7 Aug

Impact 3 · · Simply Wall St.

22 Jul

Impact 3 · · Associated Press Finance
Impact 3 · · GlobeNewswire

17 Jul

Impact 3 ·

17 Jun

Impact 3 · · Simply Wall St.

22 Apr

Impact 3 ·

2 Apr

Impact 3 ·
stockrow.com/AUBN · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com