Auburn National Bancorporation, Inc. (AUBN) vs Central Plains Bancshares, Inc. (CPBI)

Auburn National Bancorporation, Inc. and Central Plains Bancshares, Inc. are both Banks Regional companies. Auburn National Bancorporation, Inc. is the larger, with a market value of $94.7M against $83.9M — 1.1× the size. Auburn National Bancorporation, Inc. trades at the lower P/E: 11.3× against 16.6×. Central Plains Bancshares, Inc. grew revenue faster over the last twelve months: 12.1% against 4.58%. Auburn National Bancorporation, Inc. has the higher net margin (18.6% vs 14.3%) and the lower return on invested capital (0.00% vs 6.28%). Across the 16 metrics below, Auburn National Bancorporation, Inc. leads on 11 and Central Plains Bancshares, Inc. on 5.

Valuation

Metric AUBN CPBI Banks Regional median
P/E 11.30 16.64 12.15
P/S 2.11 2.39 2.37
P/B 1.01 0.83 1.21
Price to free cash flow 9.16 11.78 10.80
EV/EBITDA n/m n/m —
EV/Sales (2.58) 1.56 2.27
Earnings yield 8.85% 6.01% 8.11%
Free cash flow yield 10.92% 8.49% 8.98%

Profitability

Metric AUBN CPBI Banks Regional median
Gross margin 75.98% 70.23% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.60% 14.33% 18.66%
Free cash flow margin 23.02% 20.28% 21.18%
Return on equity 9.32% 5.15% 10.64%
Return on assets 0.79% 0.85% 1.13%
Return on invested capital 0.00% 6.28% 8.33%

Growth

Metric AUBN CPBI Banks Regional median
Revenue growth (TTM) 4.58% 12.14% 6.61%
EPS growth (last fiscal year) 13.66% 9.38% —
Revenue growth, 5-year CAGR 5.51% — 12.30%
Net income growth, 5-year CAGR (0.54%) — 9.71%

Health

Metric AUBN CPBI Banks Regional median
Debt to equity 0.00 0.00 0.22
Current ratio 0.79 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AUBN CPBI Banks Regional median
Dividend yield 5.30% — 3.75%
Payout ratio 0.36 — 0.27

Size

Metric AUBN CPBI Banks Regional median
Market cap 94.73m 83.86m 921.07m

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