Saturday 17 October 2026 Export AUBN’s income statement to Excel — free account

Auburn National Bancorporation, Inc.

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%

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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

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.09

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	3	5	1	1	5	2	—	4	—	4	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 30.41%

Capital & Financial Ratios $m

Market Cap 92.24

Revenue 45.09

Net Income 8.39

Free Cash Flow 10.38

Net Debt (211.65)

Current Ratio 0.79

Debt/Equity 0.00

P/E ratio 10.98

Fwd P/E —

P/S ratio 2.05

P/B ratio 0.98

Past 5Y EPS Growth (0.10%)

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth —

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 15.85%

10-year low 10-year high

P/S against its own 10 years 21.27%

10-year low 10-year high

P/B against its own 10 years 19.57%

10-year low 10-year high

Dividends

Payout Ratio 0.45

Annual Dividend Rate 1.08

Annual Dividend Yield 4.08%

	total	individual payouts
2026	0.81	0.27 0.27 0.27
2025	1.08	0.27 0.27 0.27 0.27
2024	1.08	0.27 0.27 0.27 0.27
2023	1.08	0.27 0.27 0.27 0.27
2022	1.06	0.27 0.27 0.27 0.27
2021	1.04	0.26 0.26 0.26 0.26
2020	1.02	0.26 0.26 0.26 0.26
2019	1.00	0.25 0.25 0.25 0.25
2018	0.96	0.24 0.24 0.24 0.24
2017	0.92	0.23 0.23 0.23 0.23
2016	0.90	0.23 0.23 0.23 0.23

special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	24.06	30.70	27.94	30.61	22.51	31.25	21.77	18.80	16.48	19.00	Analyst estimates 2026–2028 Powerpack
	High	31.50	41.75	53.96	54.49	65.55	50.48	37.11	24.60	25.40	29.00
People
People	Employees	158	156	158	164	152	152	150	150	145	145
	Revenue/emp, $m	0.19	0.20	0.21	0.22	0.22	0.20	0.24	0.21	0.29	0.30
Income, $m
Income, $m	Revenue	30	32	33	36	34	31	36	31	42	44
	Gross margin, %	86.48	88.61	88.71	88.30	88.51	91.83	93.40	74.37	72.50	74.72
	EBT	11	11	11	12	9	9	13	1	8	9
	EBT margin, %	37.26	36.38	33.84	33.89	26.99	30.67	35.64	1.97	19.90	20.99
	Net income	8	8	9	10	7	8	10	1	6	7
	Depreciation	3	3	3	3	5	5	5	4	3	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
	Earnings	2.24	2.15	2.42	2.72	2.09	2.27	2.95	0.40	1.83	2.08
	Cash flow	2.88	2.58	3.33	3.03	2.73	3.48	3.13	3.40	3.09	3.53
	Capex	(0.13)	(0.40)	0.31	(0.40)	(2.30)	(5.69)	(0.65)	(0.12)	(0.60)	(0.42)
	Free cash flow	2.74	2.18	3.64	2.63	0.43	(2.22)	2.47	3.28	2.50	3.11
	Book value	22.55	23.85	24.44	27.46	30.20	29.26	19.38	21.87	22.41	26.35
	Shares, m	4	4	4	4	4	4	4	3	3	3
Valuation, ×
Valuation, ×	P/E	13.95	18.17	13.08	19.56	19.95	14.23	7.67	52.58	12.77	12.96
	P/S	3.77	4.53	3.54	5.31	4.43	3.72	2.20	2.34	1.94	2.15
	P/B	1.39	1.65	1.30	1.93	1.38	1.10	1.16	0.96	1.05	1.02
	EV/Sales	(0.14)	1.29	1.64	2.81	1.17	(1.25)	1.53	0.17	(0.19)	(1.15)
	EV/FCF	(0.42)	5.13	4.04	10.66	25.79	4.91	6.35	0.47	(0.92)	(4.64)
Cash, $m
Cash, $m	Operating cash flow	10	9	12	11	10	12	11	12	11	12
	Capex	0	(1)	1	(1)	(8)	(20)	(2)	0	(2)	(1)
	Free cash flow	10	8	13	9	2	(8)	9	11	9	11
Balance, $m
Balance, $m	Working capital	(197)	(207)	(191)	(178)	(277)	(390)	(430)	(277)	(249)	(221)
	Total debt	3	3	2	1	1	1	0	—	—	—
	Net debt	(118)	(102)	(65)	(92)	(113)	(156)	(27)	(71)	(93)	(148)
	Shareholders’ equity	82	87	89	98	108	104	68	77	78	92
Returns, %
Returns, %	ROA	0.99	0.93	1.06	1.18	0.84	0.78	0.97	0.14	0.66	0.73
	ROIC	0.00	0.00	28.73	128.62	0.00	0.00	19.69	7.52	0.00	0.00
	ROE	10.05	9.28	10.04	10.40	7.24	7.60	12.05	1.93	8.26	8.52

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BYFC Broadway Financial Corporation	$107.2M	— (loss-making)	— (loss-making)	+27.12% (above 0%: growing)	n/m	+24.68% (above 0%: growing)	55.67%	0.00%	Compare
PBHC Pathfinder Bancorp, Inc.	$106.5M	— (loss-making)	—	+9.22% (above 0%: growing)	n/m	+155.06% (above 0%: growing)	60.96%	0.00%	Compare
PNBK Patriot National Bancorp Inc.	$105.1M	— (loss-making)	12.1×	+44.21% (above 0%: growing)	n/m	−716.54% (below 0%: shrinking)	61.76%	0.00%	Compare
AUBN Auburn National Bancorporation, Inc.	$92.2M	11.0×	—	+5.12% (above 0%: growing)	+26.92% (above 0%: growing)	−25.23% (below 0%: shrinking)	76.51%	0.00%
FNWB First Northwest Bancorp	$91.6M	59.7×	51.6×	−6.28% (below 0%: shrinking)	−92.86% (below 0%: shrinking)	−85.97% (below 0%: shrinking)	58.91%	0.00%	Compare
FUSB FIRST US BANCSH	$90.6M	12.2×	—	+1.73% (above 0%: growing)	+933.33% (above 0%: growing)	−118.35% (below 0%: shrinking)	67.72%	0.00%	Compare
FDSB Fifth District Bancorp, Inc.	$88.4M	49.7×	—	−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.	$82.6M	16.8×	5.0×	+15.12% (above 0%: growing)	+50.00% (above 0%: growing)	+73.89% (above 0%: growing)	70.52%	0.00%	Compare
SSBI Summit State Bank	$81.7M	36.5×	—	−3.24% (below 0%: shrinking)	n/m	−207.35% (below 0%: shrinking)	100.00%	0.00%	Compare
Median of peers	$91.1M	36.5×	12.1×	+5.48%	−18.44%	−30.64%	63.65%	0.00%

All 323 Banks Regional stocks →

Auburn National Bancorporation, Inc. (AUBN) key facts

Strength: Auburn National Bancorporation, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $43.9 million, up 3.98% from fiscal 2024.
Strength: Net income was $7.3 million, or $2.08 per share (basic), a net margin of 16.5%.
Auburn National Bancorporation, Inc. (AUBN) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, AUBN traded at $26.47, a market capitalization of $92.2 million.
At that price the stock trades at 11.0× trailing-twelve-month earnings and 2.0× sales; its P/E is higher than 16% of its own readings over the past ten years.
Auburn National Bancorporation, Inc. pays an annual dividend of $1.08 per share, a yield of 4.08%, with a payout ratio of 44.8%.
Return on equity was 8.52% and debt-to-equity 0.00.
Its Piotroski F-score is 9 out of 9 for fiscal 2025.