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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 7.30
AUBN's Cash to Debt is ranked higher than
59% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. AUBN: 7.30 )
Ranked among companies with meaningful Cash to Debt only.
AUBN' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.31 Max: N/A
Current: 7.3
Equity to Asset 0.10
AUBN's Equity to Asset is ranked higher than
50% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. AUBN: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
AUBN' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.1
Current: 0.1
0.06
0.1
Interest Coverage 2.28
AUBN's Interest Coverage is ranked higher than
58% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. AUBN: 2.28 )
Ranked among companies with meaningful Interest Coverage only.
AUBN' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.47 Max: 1.91
Current: 2.28
0.11
1.91
F-Score: 5
WACC vs ROIC
5.95%
15.61%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 39.19
AUBN's Operating margin (%) is ranked higher than
69% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. AUBN: 39.19 )
Ranked among companies with meaningful Operating margin (%) only.
AUBN' s Operating margin (%) Range Over the Past 10 Years
Min: 9.4  Med: 36.29 Max: 43.13
Current: 39.19
9.4
43.13
Net-margin (%) 28.84
AUBN's Net-margin (%) is ranked higher than
69% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. AUBN: 28.84 )
Ranked among companies with meaningful Net-margin (%) only.
AUBN' s Net-margin (%) Range Over the Past 10 Years
Min: 10.95  Med: 27.28 Max: 32.12
Current: 28.84
10.95
32.12
ROE (%) 10.08
AUBN's ROE (%) is ranked higher than
66% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. AUBN: 10.08 )
Ranked among companies with meaningful ROE (%) only.
AUBN' s ROE (%) Range Over the Past 10 Years
Min: 4.24  Med: 10.60 Max: 14.63
Current: 10.08
4.24
14.63
ROA (%) 0.98
AUBN's ROA (%) is ranked higher than
60% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. AUBN: 0.98 )
Ranked among companies with meaningful ROA (%) only.
AUBN' s ROA (%) Range Over the Past 10 Years
Min: 0.32  Med: 0.94 Max: 1.08
Current: 0.98
0.32
1.08
Revenue Growth (3Y)(%) 1.30
AUBN's Revenue Growth (3Y)(%) is ranked lower than
95% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. AUBN: 1.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AUBN' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 1.3  Med: 3.50 Max: 15.3
Current: 1.3
1.3
15.3
EBITDA Growth (3Y)(%) 20.60
AUBN's EBITDA Growth (3Y)(%) is ranked lower than
95% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. AUBN: 20.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AUBN' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -33.5  Med: 3.45 Max: 48.3
Current: 20.6
-33.5
48.3
EPS Growth (3Y)(%) 10.40
AUBN's EPS Growth (3Y)(%) is ranked lower than
95% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. AUBN: 10.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AUBN' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -27.7  Med: 8.45 Max: 41.2
Current: 10.4
-27.7
41.2
» AUBN's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 12.40
AUBN's P/E(ttm) is ranked lower than
55% of the 2164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. AUBN: 12.40 )
Ranked among companies with meaningful P/E(ttm) only.
AUBN' s P/E(ttm) Range Over the Past 10 Years
Min: 10.2  Med: 13.24 Max: 33.1
Current: 12.4
10.2
33.1
Forward P/E 9.37
AUBN's Forward P/E is ranked lower than
51% of the 1322 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.27 vs. AUBN: 9.37 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.40
AUBN's PE(NRI) is ranked higher than
50% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. AUBN: 12.40 )
Ranked among companies with meaningful PE(NRI) only.
AUBN' s PE(NRI) Range Over the Past 10 Years
Min: 10.2  Med: 13.24 Max: 32.72
Current: 12.4
10.2
32.72
P/B 1.21
AUBN's P/B is ranked lower than
69% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. AUBN: 1.21 )
Ranked among companies with meaningful P/B only.
AUBN' s P/B Range Over the Past 10 Years
Min: 1.03  Med: 1.30 Max: 2.32
Current: 1.21
1.03
2.32
P/S 3.56
AUBN's P/S is ranked lower than
71% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. AUBN: 3.56 )
Ranked among companies with meaningful P/S only.
AUBN' s P/S Range Over the Past 10 Years
Min: 2.42  Med: 3.43 Max: 5.5
Current: 3.56
2.42
5.5
PFCF 18.53
AUBN's PFCF is ranked lower than
83% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. AUBN: 18.53 )
Ranked among companies with meaningful PFCF only.
AUBN' s PFCF Range Over the Past 10 Years
Min: 4.7  Med: 11.64 Max: 129.41
Current: 18.53
4.7
129.41
POCF 29.78
AUBN's POCF is ranked lower than
92% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. AUBN: 29.78 )
Ranked among companies with meaningful POCF only.
AUBN' s POCF Range Over the Past 10 Years
Min: 4.45  Med: 10.15 Max: 701.25
Current: 29.78
4.45
701.25
EV-to-EBIT 9.20
AUBN's EV-to-EBIT is ranked higher than
90% of the 2121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. AUBN: 9.20 )
Ranked among companies with meaningful EV-to-EBIT only.
AUBN' s EV-to-EBIT Range Over the Past 10 Years
Min: 3.4  Med: 19.80 Max: 86.6
Current: 9.2
3.4
86.6
EV-to-EBITDA 8.36
AUBN's EV-to-EBITDA is ranked higher than
90% of the 2129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.08 vs. AUBN: 8.36 )
Ranked among companies with meaningful EV-to-EBITDA only.
AUBN' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.1  Med: 17.60 Max: 64.6
Current: 8.36
3.1
64.6
PEG 0.45
AUBN's PEG is ranked lower than
99.99% of the 622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. AUBN: 0.45 )
Ranked among companies with meaningful PEG only.
AUBN' s PEG Range Over the Past 10 Years
Min: 0.46  Med: 1.03 Max: 111.73
Current: 0.45
0.46
111.73
Shiller P/E 14.51
AUBN's Shiller P/E is ranked higher than
55% of the 681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.38 vs. AUBN: 14.51 )
Ranked among companies with meaningful Shiller P/E only.
AUBN' s Shiller P/E Range Over the Past 10 Years
Min: 10.88  Med: 13.67 Max: 22.39
Current: 14.51
10.88
22.39

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.32
AUBN's Dividend Yield is ranked higher than
54% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. AUBN: 3.32 )
Ranked among companies with meaningful Dividend Yield only.
AUBN' s Dividend Yield Range Over the Past 10 Years
Min: 2.13  Med: 3.41 Max: 4.39
Current: 3.32
2.13
4.39
Dividend Payout 0.41
AUBN's Dividend Payout is ranked lower than
62% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. AUBN: 0.41 )
Ranked among companies with meaningful Dividend Payout only.
AUBN' s Dividend Payout Range Over the Past 10 Years
Min: 0.18  Med: 0.37 Max: 3.17
Current: 0.41
0.18
3.17
Dividend Growth (3y) 2.40
AUBN's Dividend Growth (3y) is ranked lower than
89% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. AUBN: 2.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
AUBN' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 2.4  Med: 8.10 Max: 44.1
Current: 2.4
2.4
44.1
Forward Dividend Yield 3.32
AUBN's Forward Dividend Yield is ranked higher than
51% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. AUBN: 3.32 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.32
AUBN's Yield on cost (5-Year) is ranked higher than
54% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. AUBN: 3.32 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AUBN' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.13  Med: 3.41 Max: 4.39
Current: 3.32
2.13
4.39

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.21
AUBN's Price/Tangible Book is ranked lower than
59% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. AUBN: 1.21 )
Ranked among companies with meaningful Price/Tangible Book only.
AUBN' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.03  Med: 1.43 Max: 3.18
Current: 1.21
1.03
3.18
Price/Projected FCF 0.72
AUBN's Price/Projected FCF is ranked lower than
59% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. AUBN: 0.72 )
Ranked among companies with meaningful Price/Projected FCF only.
AUBN' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.55  Med: 0.86 Max: 2.25
Current: 0.72
0.55
2.25
Price/Median PS Value 1.04
AUBN's Price/Median PS Value is ranked lower than
65% of the 2108 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. AUBN: 1.04 )
Ranked among companies with meaningful Price/Median PS Value only.
AUBN' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.65  Med: 1.01 Max: 2.12
Current: 1.04
0.65
2.12
Price/Peter Lynch Fair Value 0.70
AUBN's Price/Peter Lynch Fair Value is ranked higher than
58% of the 635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.24 vs. AUBN: 0.70 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
AUBN' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.49  Med: 1.02 Max: 5.21
Current: 0.7
0.49
5.21
Price/Graham Number 0.82
AUBN's Price/Graham Number is ranked lower than
62% of the 2062 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. AUBN: 0.82 )
Ranked among companies with meaningful Price/Graham Number only.
AUBN' s Price/Graham Number Range Over the Past 10 Years
Min: 0.73  Med: 0.91 Max: 1.96
Current: 0.82
0.73
1.96
Earnings Yield (Greenblatt) (%) 10.90
AUBN's Earnings Yield (Greenblatt) (%) is ranked higher than
91% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. AUBN: 10.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AUBN' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.2  Med: 5.00 Max: 29.7
Current: 10.9
1.2
29.7
Forward Rate of Return (Yacktman) (%) 26.14
AUBN's Forward Rate of Return (Yacktman) (%) is ranked higher than
69% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. AUBN: 26.14 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
AUBN' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -16.9  Med: 8.05 Max: 33.1
Current: 26.14
-16.9
33.1

More Statistics

Revenue(Mil) $27
EPS $ 2.14
Beta0.11
Short Percentage of Float0.01%
52-Week Range $23.75 - 33.00
Shares Outstanding(Mil)3.64

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Auburn National Bancorp Inc was incorporated in Delaware in 1990. It is a bank holding company whose main business is conducted by its wholly-owned subsidiary, AuburnBank (the 'Bank'). The Bank provides banking services in its main market area, Lee County, which includes the Auburn-Opelika Metropolitan area. The Bank offers checking, savings, transaction deposit accounts and certificates of deposit, and is an active residential mortgage lender in its primary service area (PSA). The Bank's PSA includes the cities of Auburn and Opelika, Alabama and nearby surrounding areas in East Alabama, in Lee County. The Bank also offers loan portfolio into five segments: commercial and industrial, construction and land development, commercial real estate, residential real estate, and consumer installment loans. Commercial and industrial segment includes loans to finance business operations, equipment purchases, or other needs for small and medium-sized commercial customers. Also included in this category are loans to finance agricultural production. Construction and land development segment includes both loans and credit lines for the purpose of purchasing, carrying and developing land into commercial developments or residential subdivisions. Also included are loans and lines for construction of residential, multi-family and commercial buildings. Commercial real estate segment includes loans disaggregated into two classes: Owner occupied, includes loans secured by business facilities to finance business operations, equipment and owner-occupied facilities for small and medium-sized commercial customers; Other, includes loans to finance income-producing commercial and multi-family properties. Residential real estate segment includes loans disaggregated into two classes: consumer mortgage and investment property. Consumer mortgage includes first or second lien mortgages and home equity lines to consumers that are secured by a primary residence or second home. Investment property includes loans to finance income-producing 1-4 family residential properties. Consumer installment segment includes loans to individuals both secured by personal property and unsecured. Loans include personal lines of credit, automobile loans, and other retail loans. The Bank is a provider of automated teller services in East Alabama and operates ATM machines in 14 locations in its PSA. The Bank offers Visa Checkcards, which are debit cards with the Visa logo that work like checks but can be used anywhere Visa is accepted, including ATMs. The Bank's Visa Checkcards can be used internationally through the Cirrus network. The Bank offers online banking and bill payment services through its Internet website. The Bank competes for deposits, loans and other business with these banks, as well as with credit unions, mortgage companies, insurance companies, and other local and nonlocal financial institutions, including institutions offering services through the mail, by telephone
» More Articles for AUBN

Headlines

Articles On GuruFocus.com
65 Stocks and Funds Increased Dividends Last Week Feb 18 2013 
Auburn National Ban Corp. Inc. Reports Operating Results (10-Q) Nov 15 2010 
Auburn National Ban Corp. Inc. Reports Operating Results (10-Q) Aug 16 2010 
Auburn National Ban Corp. Inc. Reports Operating Results (10-Q) May 13 2010 
Auburn National Ban Corp. Inc. Reports Operating Results (10-Q) Nov 16 2009 
Auburn National Ban Corp. Inc. Reports Operating Results (10-Q) Aug 13 2009 
Auburn National Ban Corp. Inc. Reports Operating Results (10-Q) May 15 2009 

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