10 Year Financial Data of Auburn National Bancorporation, Inc. (AUBN)

21.82 (1y: -9%)

Market Cap	79.93 M	P/E(ttm)	11.40
Enterprise Value	117.14 M	P/B	1.13

AUBN- NAS (USA)
Auburn National Bancorporation, Inc.

Currently 1/5

Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$21.82

2 Severe Warning Signs 2 Medium Warning Signs 2 Good Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	5.6	10.9	-16.5
EBITDA Growth (%)	-2.6	14.3	-21
Free Cash Flow Growth (%)	0	48.3	-30.3
Book Value Growth (%)	6.8	6	6.4

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	5.21	5.58	5.47	5.46	5.80	6.01	6.02	7.18	8.25	8.61	7.78	2.71	1.96	2.00	1.95	1.87
EBITDA per Share	2.56	2.74	2.64	2.58	2.58	2.64	0.76	1.93	3.27	2.48	2.60	0.53	0.73	0.59	0.62	0.66
Free Cashflow per Share	2.03	3.21	2.06	-0.14	1.80	1.04	0.96	2.81	3.87	3.71	2.78	1.19	-0.38	1.56	1.34	0.26
Earnings per Share ($)	1.39	1.68	1.69	1.74	1.86	1.81	0.66	1.47	1.52	1.86	1.92	0.40	0.56	0.44	0.46	0.46
Dividends Per Share	0.48	0.50	0.58	0.64	0.70	0.74	0.76	0.78	0.80	0.82	0.83	0.21	0.21	0.21	0.21	0.21
Book Value per Share	10.37	11.50	11.47	12.82	14.27	15.55	15.41	15.47	17.96	19.26	19.27	18.11	18.75	19.27	19.26	19.27
Month End Stock Price	19.67	20.68	22.14	28.89	21.95	20.10	19.69	20.06	18.52	20.85	22.00	21.99	21.50	22.25	20.85	22.00
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	13.40	14.60	14.70	13.60	13.00	11.60	4.30	9.50	8.50	9.60	9.60	8.80	12.00	9.20	9.60	9.60
Return on Assets %	0.90	1.10	1.10	1.00	1.00	0.90	0.30	0.70	0.70	0.90	0.80	0.80	1.20	0.80	0.80	0.80
Debt to Equity	2.61	2.37	2.40	2.07	2.18	2.16	2.11	1.66	1.30	0.67	0.53	0.72	0.69	0.67	0.67	0.53

Operating Margin %	38.00	41.00	41.40	43.10	42.50	39.20	9.40	23.50	37.40	26.10	31.90	17.50	34.80	26.90	28.50	31.90
Net Margin %	26.70	30.20	30.90	31.90	32.10	30.10	11.00	20.40	18.40	21.60	24.90	14.90	28.50	22.10	23.30	24.90

Debt to Revenue	5.20	4.89	5.03	4.87	5.36	5.59	5.39	3.57	2.84	1.51	5.48	4.80	6.63	6.49	6.64	5.48
Interest Exp. to Revenue %	66.62	67.96	70.10	77.46	78.34	84.45	85.73	72.23	63.99	66.59	75.65	50.69	74.54	72.28	74.86	75.65

Asset Turnover	0.03	0.04	0.03	0.03	0.03	0.03	0.03	0.03	0.04	0.04	0.01	0.01	0.01	0.01	0.01	0.01
Buyback Ratio	--	--	--	--	--	--	-0.10	--	--	-0.10	--	--	-0.10	-0.10	-0.10	--
Dividend Payout Ratio	0.35	0.30	0.34	0.37	0.38	0.41	1.15	0.53	0.53	0.44	0.45	0.51	0.37	0.46	0.45	0.45
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	13.52	14.67	14.70	15.98	16.88	18.64	18.82	18.90	19.23	20.90	21.04	5.00	5.31	5.26	5.33	5.14
Non Interest Income	6.77	6.92	6.27	4.65	4.67	3.43	3.13	7.27	10.82	10.48	7.27	4.86	1.81	2.02	1.79	1.66
Revenue	20.29	21.58	20.97	20.63	21.54	22.07	21.95	26.17	30.05	31.38	28.31	9.87	7.13	7.28	7.11	6.80

Selling, General, &Admin. Expense	4.75	5.39	5.45	6.71	7.11	7.28	7.82	7.95	8.17	9.38	9.50	2.33	2.39	2.36	2.30	2.44
Credit Losses Provision	0.68	0.60	0.49	0.33	0.02	0.87	5.25	3.58	2.45	3.82	3.62	0.60	0.60	1.55	1.07	0.40
Other Expenses	4.89	5.00	4.92	3.82	4.81	4.21	6.11	7.59	7.53	9.17	5.71	5.01	1.46	1.20	1.50	1.55
Earnings Before DDA	9.97	10.60	10.12	9.76	9.60	9.71	2.77	7.05	11.90	9.02	9.49	1.93	2.67	2.16	2.25	2.40

Depreciation, Depletion and Amortization	2.27	1.74	1.44	0.87	0.44	1.05	0.71	0.90	0.67	0.84	0.86	0.21	0.20	0.21	0.23	0.23

Operating Income	7.70	8.86	8.68	8.90	9.16	8.66	2.06	6.14	11.24	8.18	8.63	1.72	2.48	1.96	2.03	2.17
Net Income	5.42	6.51	6.47	6.59	6.92	6.64	2.40	5.35	5.54	6.76	6.99	1.47	2.03	1.61	1.66	1.69

Earnings per Share ($)	1.39	1.68	1.69	1.74	1.86	1.81	0.66	1.47	1.52	1.86	1.92	0.40	0.56	0.44	0.46	0.46
Total Shares Outstanding	3.90	3.87	3.83	3.78	3.72	3.67	3.65	3.64	3.64	3.64	3.64	3.64	3.64	3.64	3.64	3.64
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	12.54	9.74	15.85	17.03	13.45	15.68	12.40	13.92	13.59	19.27	16.06	15.98	16.50	15.53	19.27	16.06
Money Market Investments	14.07	17.39	10.24	--	0.05	20.76	--	7.50	41.84	42.68	53.25	20.33	27.18	41.77	42.68	53.25
Net Loan	253	255	280	281	321	369	374	371	367	394	389	374	400	397	394	389
Securities & Investments	285	282	275	302	318	303	335	315	300	259	270	300	277	255	259	270
Property, Plant and Equipment	4.30	4.01	2.43	2.18	6.42	7.78	8.28	8.11	9.35	10.53	10.86	9.61	9.90	10.20	10.53	10.86
Other Assets	21.11	22.33	25.07	32.93	29.08	30.52	43.45	48.26	45.17	33.52	33.07	40.42	35.65	33.78	33.52	33.07
Total Assets	590	591	608	635	689	746	773	764	776	760	772	761	766	753	760	772

Total Deposits	434	429	455	470	493	551	579	607	620	637	659	641	644	630	637	659
Accounts Payable	--	--	--	--	--	--	--	--	--	2.96	3.20	--	--	--	2.96	3.20
Current Portion of Long-Term Debt	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--
Long-Term Debt	106	105	105	100	115	123	118	93.33	85.31	47.22	37.22	47.31	47.22	47.22	47.22	37.22
Other liabilities	10.08	11.88	3.78	16.66	27.67	14.63	19.44	7.00	5.94	2.69	2.47	6.05	6.41	6.22	2.69	2.47
Total Liabilities	550	547	564	587	636	689	717	707	711	690	702	695	698	683	690	702

Common Stock	0.04	0.04	0.04	0.04	0.04	0.04	0.04	--	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Retained Earnings	38.09	42.67	46.92	51.09	55.36	59.28	58.92	61.42	64.05	67.82	68.75	64.76	66.05	66.91	67.82	68.75
Additional Paid-In Capital	3.71	3.72	3.73	3.75	3.75	3.75	3.75	3.75	3.75	3.76	3.76	3.75	3.75	3.76	3.76	3.76
Treasury Stock	-0.61	-1.57	-2.76	-4.12	-5.73	-6.55	-6.64	-6.64	-6.64	-6.64	-6.64	-6.64	-6.64	-6.64	-6.64	-6.64
Total Equity	40.41	44.50	43.96	48.42	53.02	57.13	56.18	56.37	65.42	70.15	70.22	65.97	68.29	70.21	70.15	70.22
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	5.42	6.51	6.47	6.59	6.92	6.64	2.40	5.35	5.54	6.76	6.99	1.47	2.03	1.61	1.66	1.69
Depreciation, Depletion and Amortization	2.27	1.74	1.44	0.87	0.44	1.05	0.71	0.90	0.67	0.84	0.86	0.21	0.20	0.21	0.23	0.23
Cash Flow from Others	0.22	4.16	-0.03	-7.99	-0.68	-1.67	1.21	4.14	7.89	7.46	4.26	2.66	-3.59	3.86	4.53	-0.53
Cash Flow from Operations	7.91	12.41	7.88	-0.53	6.68	6.02	4.32	10.38	14.09	15.06	12.11	4.33	-1.37	5.68	6.42	1.39

Investment for Property, Plant & Equipement	--	--	--	--	--	-2.21	-0.82	-0.15	--	-1.55	-1.99	--	--	--	-1.55	-0.44
Cash Flow from Acquisitions	--	--	--	--	--	--	--	--	--	8.50	--	6.89	--	--	--	--
Cash Flow from Investing	-100	-5.55	-26.73	-25.07	-53.41	-32.46	-54.10	12.75	18.30	19.11	16.92	-2.67	6.59	23.34	-8.15	-4.86

Net Issuance of Stock	-0.05	-0.95	-1.18	-1.35	-1.61	-0.81	-0.09	-0.01	0.00	0.01	0.01	--	0.00	0.00	0.00	--
Net Issuance of Debt	46.82	0.81	-5.90	7.65	24.52	7.98	-5.02	-25.70	-8.02	-41.82	-10.53	-41.71	-0.10	--	--	-10.43
Cash Flow for Dividends	-1.87	-1.93	-2.22	-2.42	-2.64	-2.72	-2.77	-2.84	-2.91	-2.99	-3.01	-0.75	-0.75	-0.75	-0.75	-0.76
Other Financing	38.85	-4.70	25.66	14.65	22.94	44.92	33.62	14.44	12.55	17.15	17.49	21.67	3.00	-14.66	7.14	22.02
Cash Flow from Financing	83.75	-6.78	16.36	18.54	43.20	49.38	25.74	-14.10	1.61	-27.65	3.96	-20.79	2.15	-15.40	6.39	10.83

Net Change in Cash	-8.46	0.09	-2.49	-7.07	-3.53	22.94	-24.04	9.03	34.00	6.52	33.00	-19.12	7.37	13.61	4.66	7.36

Free Cash Flow	7.91	12.41	7.88	-0.53	6.68	3.81	3.50	10.24	14.09	13.51	10.13	4.33	-1.37	5.68	4.87	0.95
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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AUBN Quarterly/Annuals Reports

AUBN: 10-Q - AUBURN NATIONAL BANCORPORATION, INC (0000750574) (Filer): (10-Q) - 2012-11-02
AUBN: 10-Q - AUBURN NATIONAL BANCORPORATION, INC (0000750574) (Filer): (10-Q) - 2012-08-06
AUBN: 10-Q - AUBURN NATIONAL BANCORPORATION, INC (0000750574) (Filer): (10-Q) - 2012-05-15
AUBN: 10-K - AUBURN NATIONAL BANCORPORATION, INC (0000750574) (Filer): (10-K) - 2012-03-26
AUBN: 10-Q - AUBURN NATIONAL BANCORPORATION, INC (0000750574) (Filer): (10-Q) - 2011-11-14

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AUBN Quarterly/Annuals Reports