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Screener Weekly Summary Pricing

Auburn National Bancorporation, Inc. (AUBN) vs United Bancorp, Inc. (UBCP)

Auburn National Bancorporation, Inc. and United Bancorp, Inc. are both Banks Regional companies. Auburn National Bancorporation, Inc. and United Bancorp, Inc. are of similar size ($94.7M and $87.1M). United Bancorp, Inc. trades at the lower P/E: 10.7× against 11.3×. United Bancorp, Inc. grew revenue faster over the last twelve months: 6.21% against 4.58%. Auburn National Bancorporation, Inc. has the higher net margin (18.6% vs 15.7%) and the lower return on invested capital (0.00% vs 4.58%). Both pay a dividend; United Bancorp, Inc. yields more (5.71% vs 5.30%). Across the 19 metrics below, United Bancorp, Inc. leads on 10 and Auburn National Bancorporation, Inc. on 9.

Valuation

Metric AUBN UBCP Banks Regional median
P/E 11.30 10.74 12.15
P/S 2.11 1.68 2.37
P/B 1.01 1.13 1.21
Price to free cash flow 9.16 n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales (2.58) 2.37 2.27
Earnings yield 8.85% 9.31% 8.11%
Free cash flow yield 10.92% (5.00%) 8.98%

Profitability

Metric AUBN UBCP Banks Regional median
Gross margin 75.98% 69.59% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.60% 15.72% 18.66%
Free cash flow margin 23.02% (8.42%) 21.18%
Return on equity 9.32% 11.50% 10.64%
Return on assets 0.79% 0.88% 1.13%
Return on invested capital 0.00% 4.58% 8.33%

Growth

Metric AUBN UBCP Banks Regional median
Revenue growth (TTM) 4.58% 6.21% 6.61%
EPS growth (last fiscal year) 13.66% 5.51% —
Revenue growth, 5-year CAGR 5.51% 6.58% 12.30%
Net income growth, 5-year CAGR (0.54%) (0.46%) 9.71%

Health

Metric AUBN UBCP Banks Regional median
Debt to equity 0.00 1.10 0.22
Current ratio 0.79 0.76 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AUBN UBCP Banks Regional median
Dividend yield 5.30% 5.71% 3.75%
Payout ratio 0.36 0.42 0.27

Size

Metric AUBN UBCP Banks Regional median
Market cap 94.73m 87.07m 921.07m

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