| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | 4 | 1 | 3 | 5 | 1 | 1 | 5 | 2 | — | 4 | — | — |
| Sell | — | — | — | — | — | — | — | — | — | — | — | — |
| total | individual payouts | |
|---|---|---|
| 2026 | 0.81 |
—
—
—
|
| 2025 | 1.08 |
—
—
—
—
|
| 2024 | 1.08 |
—
—
—
—
|
| 2023 | 1.08 |
—
—
—
—
|
| 2022 | 1.06 |
—
—
—
—
|
| 2021 | 1.04 |
—
—
—
—
|
| 2020 | 1.02 |
—
—
—
—
|
| 2019 | 1.00 |
—
—
—
—
|
| 2018 | 0.96 |
—
—
—
—
|
| 2017 | 0.92 |
—
—
—
—
|
| 2016 | 0.90 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 71.37 | 93.35 | 147.83 | 211.65 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 621.80 | 650.50 | 706.18 | 785.37 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 896.24 | 895.82 | 922.93 | 988.32 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 898.75 | 899.03 | 926.74 | 991.93 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 11.25 | 11.46 | — | — |
—
|
| ’25 | 10.61 | 10.90 | 11.24 | 11.14 |
43.89
|
| ’24 | 10.12 | 10.48 | 10.81 | 10.81 |
42.21
|
| ’23 | 9.03 | 9.18 | 9.51 | 3.67 |
31.39
|
| ’22 | 7.58 | 7.78 | 8.62 | 12.07 |
36.05
|
| ’21 | 7.79 | 7.72 | 7.64 | 7.64 |
30.80
|
| ’20 | 8.49 | 8.42 | 8.23 | 8.44 |
33.57
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 2.54 | 1.51 | — | — |
—
|
| ’25 | 2.63 | 2.14 | 4.09 | 3.50 |
12.35
|
| ’24 | 3.08 | 3.06 | 1.87 | 2.80 |
10.81
|
| ’23 | 4.89 | 2.48 | 3.32 | 1.21 |
11.90
|
| ’22 | 2.01 | 2.17 | 4.55 | 2.25 |
10.98
|
| ’21 | 5.86 | (0.45) | 3.55 | 3.36 |
12.32
|
| ’20 | 1.81 | 1.96 | 0.39 | 5.57 |
9.73
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 2.42 | 1.43 | — | — |
—
|
| ’25 | 2.42 | 1.92 | 3.67 | 2.86 |
10.86
|
| ’24 | 2.04 | 2.22 | 1.82 | 2.64 |
8.72
|
| ’23 | 4.89 | 2.45 | 3.19 | 0.96 |
11.48
|
| ’22 | 1.46 | (0.80) | 3.07 | 4.97 |
8.69
|
| ’21 | 0.29 | (2.80) | (1.81) | (3.53) |
(7.85)
|
| ’20 | 1.71 | 1.81 | (0.73) | (1.26) |
1.52
|
| 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
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 21.77 | 18.80 | 16.48 | 19.00 | — | — | — |
Low Price
|
| ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 37.11 | 24.60 | 25.40 | 29.00 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 150 | 150 | 145 | 145 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.24 | 0.21 | 0.29 | 0.30 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 36.05 | 31.39 | 42.21 | 43.89 | — | — | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 93.40% | 74.37% | 72.50% | 74.72% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 12.85 | 0.62 | 8.40 | 9.21 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 35.64% | 1.97% | 19.90% | 20.99% | — | — | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.35 | 1.40 | 6.40 | 7.26 | — | — | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.62 | 4.08 | 3.44 | 3.49 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.27 | 8.97 | 12.08 | 12.56 | — | — | — |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 2.95 | 0.40 | 1.83 | 2.08 | — | — | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.13 | 3.40 | 3.09 | 3.53 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.65) | (0.12) | (0.60) | (0.42) | — | — | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.47 | 3.28 | 2.50 | 3.11 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 19.38 | 21.87 | 22.41 | 26.35 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.51 | 3.50 | 3.49 | 3.49 | — | — | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7.67 | 52.58 | 12.77 | 12.96 | — | — | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.20 | 2.34 | 1.94 | 2.15 | — | — | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.16 | 0.96 | 1.05 | 1.02 | — | — | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.52 | 0.13 | (0.22) | (1.18) | — | — | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 6.32 | 0.37 | (1.06) | (4.76) | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.98 | 11.90 | 10.81 | 12.35 | — | — | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (2.29) | (0.42) | (2.09) | (1.48) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.69 | 11.48 | 8.72 | 10.86 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (429.90) | (276.95) | (248.53) | (220.56) | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.00 | — | — | — | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (24.25) | (71.37) | (93.35) | (147.83) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 68.04 | 76.51 | 78.29 | 92.05 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.97% | 0.14% | 0.66% | 0.73% | — | — | — |
ROA
|
| ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡ | 18.34% | 7.52% | 0.00% | 0.00% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 12.05% | 1.93% | 8.26% | 8.52% | — | — | — |
ROE
|
Auburn National Bancorporation (AUBN), a small regional bank serving east Alabama, has shown resilient growth with revenue compounding at 4.2% annually from 2016 to 2024, reaching $42.2 million despite pandemic dips and 2023’s rate-hike squeeze. Efficiency soared in 2024 with revenue per employee up 39% amid staff cuts, fueling a dramatic profitability rebound—EBT jumped 1,260% to $8.4 million and EPS rocketed 357% to $1.83, reflecting operational leverage in a tough environment for community banks.
The balance sheet stands rock-solid with negative net debt providing a huge buffer, equity up 15% overall, and shares trading at a modest 1.05x book value—hinting at undervaluation. Insiders piled in with massive buys (21% of shares) and zero sells, a rare bullish signal amid the recovery.
Looking ahead, projections point to 5-8% revenue growth through 2027, stabilized margins, and potential 15-20% total returns, though rate risks loom. With strong cash flow and insider confidence, AUBN looks primed for everyday investors seeking undervalued regional bank upside—dive into the full analysis for the numbers.
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