Auburn National Bancorporation, Inc. Fundamental Analysis
Auburn National Bancorporation, Inc. Fundamental Analysis
Auburn National Bancorporation, Inc. (AUBN) shows moderate financial fundamentals with a PE ratio of 11.50, profit margin of 20.19%, and ROE of 8.78%. The company generates $0.0B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 60.6/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze AUBN's fundamental strength across five key dimensions:
Efficiency Score
WeakAUBN struggles to generate sufficient returns from assets.
Valuation Score
ExcellentAUBN trades at attractive valuation levels.
Growth Score
ModerateAUBN shows steady but slowing expansion.
Financial Health Score
ModerateAUBN shows balanced financial health with some risks.
Profitability Score
ModerateAUBN maintains healthy but balanced margins.
Key Financial Metrics
Is AUBN Expensive or Cheap?
P/E Ratio
AUBN trades at 11.50 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, AUBN's PEG of 0.57 indicates potential undervaluation.
Price to Book
The market values Auburn National Bancorporation, Inc. at 0.98 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.59 times EBITDA. This is generally considered low.
How Well Does AUBN Make Money?
Net Profit Margin
For every $100 in sales, Auburn National Bancorporation, Inc. keeps $20.19 as profit after all expenses.
Operating Margin
Core operations generate 25.72 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.78 in profit for every $100 of shareholder equity.
ROA
Auburn National Bancorporation, Inc. generates $0.77 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Auburn National Bancorporation, Inc. generates strong operating cash flow of $12.25M, reflecting robust business health.
Free Cash Flow
Auburn National Bancorporation, Inc. generates strong free cash flow of $10.86M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $3.11 in free cash annually.
FCF Yield
AUBN converts 11.52% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.50
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.57
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.98
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.32
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
0.010
vs 25 benchmark
How AUBN Stacks Against Its Sector Peers
| Metric | AUBN Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.50 | 20.79 | Better (Cheaper) |
| ROE | 8.78% | 622.00% | Weak |
| Net Margin | 20.19% | -1174.00% (disorted) | Strong |
| Debt/Equity | 0.00 | 1.51 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 935.58 | Weak Liquidity |
| ROA | 0.77% | -788.00% (disorted) | Weak |
AUBN outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Auburn National Bancorporation, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical