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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. 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
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%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

Auburn National Bancorporation, Inc. (AUBN) Latest News

23 Oct

Impact 4 ·

17 Aug

Impact 4 ·

29 Mar

Impact 4 ·

3 Mar

Impact 4 ·

17 Feb

Impact 4 ·

29 Jan

Impact 4 ·

1 Jun

Impact 4 ·
stockrow.com/AUBN · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com