Auburn National Financials

AUBN Stock  USD 23.00  0.60  2.54%   
Based on the analysis of Auburn National's profitability, liquidity, and operating efficiency, Auburn National Bancorporation is not in a good financial situation at this time. It has a very high probability of going through financial hardship in January. At this time, Auburn National's Short Term Debt is very stable compared to the past year. As of the 1st of December 2024, Other Liabilities is likely to grow to about 2.8 M, while Total Assets are likely to drop about 758 M. Key indicators impacting Auburn National's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.05680.0598
Notably Down
Pretty Stable
Return On Assets0.00140.0014
Notably Down
Slightly volatile
Return On Equity0.01730.0182
Notably Down
Slightly volatile
Debt Equity Ratio0.03520.0371
Notably Down
Slightly volatile
Operating Income6.5 M6.8 M
Notably Down
Slightly volatile
Current Ratio0.07830.0824
Notably Down
Slightly volatile
Investors should never underestimate Auburn National's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Auburn National's cash flow, debt, and profitability to make informed and accurate decisions about investing in Auburn National Bancorporation.

Net Income

1.33 Million

  
Understanding current and past Auburn National Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Auburn National's financial statements are interrelated, with each one affecting the others. For example, an increase in Auburn National's assets may result in an increase in income on the income statement.

Auburn National Stock Summary

Auburn National competes with Home Federal, LINKBANCORP, Affinity Bancshares, Southern California, and BayCom Corp. Auburn National Bancorporation, Inc. operates as the bank holding company for AuburnBank that provides various banking products and services in East Alabama. Auburn National Bancorporation, Inc. was founded in 1907 and is headquartered in Auburn, Alabama. Auburn Natl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 152 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS0504731078
CUSIP050473107
LocationAlabama; U.S.A
Business Address100 North Gay
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.auburnbank.com
Phone334 821 9200
CurrencyUSD - US Dollar

Auburn National Key Financial Ratios

Auburn National Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets827.7M956.6M1.1B1.1B975.3M758.0M
Other Current Liab649.7M770.2M951.9M894.5M866.0M725.7M
Net Debt(65.4M)(80.8M)(74.7M)(14.8M)(40.0M)(38.0M)
Retained Earnings101.8M105.6M110.0M116.6M113.4M70.0M
Cash66.5M84.0M78.8M18.0M40.0M32.9M
Other Assets274.6M180.0M109.2M199.6M1.01.05
Total Liab731.2M850.8M1.0B991.8M898.7M692.8M
Total Current Assets302.4M419.2M500.7M423.3M71.4M67.8M
Short Term Debt1.1M2.5M3.6M2.7M1.6M2.1M
Accounts Payable724.2M839.8M994.2M950.3M1.1B677.7M
Treasury Stock(9.4M)(9.4M)(11.0M)(11.5M)(10.3M)(9.8M)
Intangible Assets1.3M1.5M1.9M2.4M2.4M2.0M
Net Tangible Assets98.3M107.7M104.9M68.0M78.2M91.0M
Capital Surpluse3.8M3.8M3.8M3.8M4.4M4.2M

Auburn National Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense4.2M3.9M2.5M2.4M8.0M8.4M
Total Revenue31.6M29.7M28.3M3.2M23.3M24.2M
Gross Profit31.6M29.7M28.3M3.2M15.1M24.1M
Operating Income12.1M9.1M9.4M15.2M6.8M6.5M
Ebit12.1M9.1M9.4M12.8M618K587.1K
Ebitda13.3M10.7M10.7M14.4M2.3M2.2M
Income Before Tax12.1M9.1M9.4M12.8M618K587.1K
Net Income9.7M7.5M8.0M10.3M1.4M1.3M
Income Tax Expense2.4M1.6M1.4M2.5M(777K)(738.2K)
Tax Provision2.4M1.6M1.4M2.5M(777K)(738.2K)
Net Interest Income26.1M24.3M24.0M27.2M26.3M27.3M
Interest Income30.2M24.3M24.0M27.2M34.4M30.7M

Auburn National Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash27.4M20.1M43.7M(129.0M)44.1M46.3M
Free Cash Flow9.0M1.4M(7.9M)3.9M11.5M5.8M
Depreciation1.2M1.7M1.2M1.5M1.7M1.1M
Other Non Cash Items(1.6M)78K3.0M1.9M8.3M8.7M
Dividends Paid3.6M3.6M3.7M3.7M3.8M2.8M
Capital Expenditures1.8M8.4M20.2M7.0M418K397.1K
Net Income9.7M7.5M8.0M10.3M1.4M1.3M
End Period Cash Flow92.4M112.6M156.3M27.3M71.4M60.7M
Investments25.5M(95.4M)(96.5M)(88.7M)91.4M95.9M
Net Borrowings(1.2M)1.3M1.1M(897K)(1.0M)(1.1M)
Change To Netincome(2.8M)(1.7M)807K(612K)(550.8K)(523.3K)

Auburn Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Auburn National's current stock value. Our valuation model uses many indicators to compare Auburn National value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Auburn National competition to find correlations between indicators driving Auburn National's intrinsic value. More Info.
Auburn National Bancorporation is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.07  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Auburn National Bancorporation is roughly  14.63 . At this time, Auburn National's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Auburn National's earnings, one of the primary drivers of an investment's value.

Auburn National Banc Systematic Risk

Auburn National's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Auburn National volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was ten with a total number of output elements of fifty-one. The Beta measures systematic risk based on how returns on Auburn National Banc correlated with the market. If Beta is less than 0 Auburn National generally moves in the opposite direction as compared to the market. If Auburn National Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Auburn National Banc is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Auburn National is generally in the same direction as the market. If Beta > 1 Auburn National moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Auburn National Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Auburn National's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Auburn National growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.59)

At this time, Auburn National's Price Earnings To Growth Ratio is very stable compared to the past year.

Auburn National December 1, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Auburn National help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Auburn National Bancorporation. We use our internally-developed statistical techniques to arrive at the intrinsic value of Auburn National Bancorporation based on widely used predictive technical indicators. In general, we focus on analyzing Auburn Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Auburn National's daily price indicators and compare them against related drivers.
When determining whether Auburn National Banc offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Auburn National's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Auburn National Bancorporation Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Auburn National Bancorporation Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Auburn National Bancorporation. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
You can also try the Price Transformation module to use Price Transformation models to analyze the depth of different equity instruments across global markets.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Auburn National. If investors know Auburn will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Auburn National listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.165
Dividend Share
1.08
Earnings Share
0.25
Revenue Per Share
6.585
Quarterly Revenue Growth
0.104
The market value of Auburn National Banc is measured differently than its book value, which is the value of Auburn that is recorded on the company's balance sheet. Investors also form their own opinion of Auburn National's value that differs from its market value or its book value, called intrinsic value, which is Auburn National's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Auburn National's market value can be influenced by many factors that don't directly affect Auburn National's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Auburn National's value and its price as these two are different measures arrived at by different means. Investors typically determine if Auburn National is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Auburn National's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.