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. In the quarter to June 2026, revenue grew 5.12%, EPS grew 26.9% and free cash flow fell 25.2%, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years; insiders bought in the last twelve months.

26.47 0.00 0.00%
Market cap
$92.2M
P/E
11.0×
Fwd P/E
—
Dividend yield
4.08%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19 Dec '18 Dec '17 Dec '16
P/E ratio
12.96 12.77 52.58 7.67 14.23 19.95 19.56 13.08 18.17 13.95
Piotroski F-Score
9 8 6 8 6 6 8 9 7 6
P/S ratio
2.15 1.94 2.34 2.20 3.72 4.43 5.31 3.54 4.53 3.77
P/FCF ratio
8.67 9.41 6.41 9.11 0.00 97.55 20.12 8.70 18.01 11.38
P/Operating CF
26.90 29.31 60.85 35.13 34.07 26.69 80.73 26.68 72.82 48.75
P/B ratio
1.02 1.05 0.96 1.16 1.10 1.38 1.93 1.30 1.65 1.39
Price to Tangible BV
1.02 1.05 0.96 1.16 1.10 1.38 1.93 1.30 1.65 1.39
EV/Sales
(1.15) (0.19) 0.17 1.53 (1.25) 1.17 2.81 1.64 1.29 (0.14)
EV/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EV/Operating CF
(4.09) (0.75) 0.45 5.02 (3.13) 4.04 9.27 4.41 4.33 (0.40)
EV/FCF
(4.64) (0.92) 0.47 6.35 4.91 25.79 10.66 4.04 5.13 (0.42)
Quick Ratio
0.16 0.10 0.08 0.03 0.16 0.13 0.13 0.09 0.14 0.16
Current Ratio
0.76 0.72 0.69 0.55 0.61 0.67 0.76 0.74 0.73 0.74
Net Debt/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt/Assets
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.38% 0.39%
Debt/Equity
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.04 0.04
Asset Turnover
0.04 0.04 0.03 0.03 0.03 0.04 0.04 0.04 0.04 0.04
Operating CF/Net income
1.70 1.69 8.53 1.06 1.53 1.31 1.11 1.37 1.20 1.29
Capex/Depreciation
(0.43) (0.61) (0.10) (0.50) (3.86) (1.81) (0.47) 0.38 (0.46) (0.17)
ROE
8.52% 8.26% 1.93% 12.05% 7.60% 7.24% 10.40% 10.04% 9.28% 10.05%
ROA
0.73% 0.66% 0.14% 0.97% 0.78% 0.84% 1.18% 1.06% 0.93% 0.99%
ROIC
0.00% 0.00% 7.52% 19.69% 0.00% 0.00% 128.62% 28.73% 0.00% 0.00%
Return on Tangible Assets
(4.15%) (3.16%) (0.60%) (2.70%) (2.31%) (2.93%) (5.95%) (4.97%) (4.06%) (4.41%)
Average Days of Receivables
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
53.73% 52.60% 72.40% 57.76% 61.16% 61.53% 54.41% 54.88% 52.23% 49.22%
Intangible Assets out of Total Assets
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Share Based Compensation of Revenue
0.14% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Graham Net Nets
(2.34) (3.03) (3.76) (5.43) (3.41) (1.86) (0.94) (1.66) (1.47) (1.76)
Graham Number
35.11 30.46 14.03 35.80 38.66 37.68 40.92 36.48 34.05 33.71
Earnings Yield
7.72% 7.83% 1.90% 13.04% 7.03% 5.01% 5.11% 7.64% 5.50% 7.17%
Free Cash Flow Yield
11.54% 10.62% 15.61% 10.97% (6.86%) 1.03% 4.97% 11.49% 5.55% 8.79%
Revenue per Share
12.56 12.08 8.97 10.27 8.69 9.41 9.98 8.94 8.66 8.29
Operating CF per Share
3.53 3.09 3.40 3.13 3.48 2.73 3.03 3.33 2.58 2.88
Capex per Share
(0.42) (0.60) (0.12) (0.65) (5.69) (2.30) (0.40) 0.31 (0.40) (0.13)
Free Cash Flow per Share
3.11 2.50 3.28 2.47 (2.22) 0.43 2.63 3.64 2.18 2.74
Cash per Share
42.31 26.72 20.40 7.76 44.08 31.57 25.81 17.86 28.96 33.28
Shareholders Equity per Share
26.35 22.41 21.87 19.38 29.26 30.20 27.46 24.44 23.85 22.55
Interest Debt per Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book value per Share
26.35 22.41 21.87 19.38 29.26 30.20 27.46 24.44 23.85 22.55
Free Cash Flow
10.86 8.72 11.48 8.69 (7.85) 1.52 9.44 13.25 7.94 10.00
Working Capital
(220.56) (248.53) (276.95) (429.90) (390.36) (276.83) (178.39) (191.44) (206.91) (197.47)
Capital Expenditures
(1.48) (2.09) (0.42) (2.29) (20.17) (8.20) (1.41) 1.11 (1.46) (0.49)
Net Current Asset Value
(220.56) (248.53) (276.95) (429.90) (390.36) (276.83) (178.39) (191.44) (210.13) (200.69)
EV/EBIT
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capex to Sales
0.03 0.05 0.01 0.06 0.66 0.24 0.04 (0.03) 0.05 0.02
Price to Operating Income
9.63 9.16 58.90 5.97 11.60 15.96 15.76 10.47 12.46 10.12
Other line items
Depreciation/Fixed assets
0.08 0.07 0.09 0.10 0.13 0.20 0.20 0.22 0.23 0.23
Cash ROIC
4.53% 5.08% 7.77% 9.12% (3.02%) 0.69% 4.95% 8.60% 4.06% 4.84%
Accounts Receivable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Payable Turnover
0.01 0.01 0.01 0.00 0.00 0.00 0.01 0.01 0.00 0.01
Inventory Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Days of Payables
30,364.88 28,170.57 40,657.31 145,806.22 144,179.06 79,492.76 63,188.02 71,907.09 76,946.45 66,059.55
Days of Inventory on Hand
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Payables
909.38 896.03 923.29 972.29 917.02 781.97 724.17 740.93 748.40 731.39
Average Assets
998.06 976.29 999.57 1,064.52 1,030.87 892.24 822.98 835.73 842.66 824.57
Average Common Equity
85.17 77.40 72.27 85.88 105.71 103.01 93.69 87.98 84.54 81.06

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