Switch to:

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 2.20
AUBN's Cash to Debt is ranked higher than
80% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. AUBN: 2.20 )
AUBN' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: 2.2

Equity to Asset 0.09
AUBN's Equity to Asset is ranked higher than
67% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. AUBN: 0.09 )
AUBN' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.1
Current: 0.09

0.06
0.1
Interest Coverage 1.44
AUBN's Interest Coverage is ranked higher than
71% of the 1631 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. AUBN: 1.44 )
AUBN' s 10-Year Interest Coverage Range
Min: 0.11   Max: 1.44
Current: 1.44

0.11
1.44
F-Score: 6
Z-Score: 0.31
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 : 8/10

vs
industry
vs
history
Operating margin (%) 37.46
AUBN's Operating margin (%) is ranked higher than
83% of the 1787 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.70 vs. AUBN: 37.46 )
AUBN' s 10-Year Operating margin (%) Range
Min: 9.4   Max: 43.13
Current: 37.46

9.4
43.13
Net-margin (%) 27.75
AUBN's Net-margin (%) is ranked higher than
85% of the 1787 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. AUBN: 27.75 )
AUBN' s 10-Year Net-margin (%) Range
Min: 10.95   Max: 32.12
Current: 27.75

10.95
32.12
ROE (%) 10.58
AUBN's ROE (%) is ranked higher than
84% of the 1794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. AUBN: 10.58 )
AUBN' s 10-Year ROE (%) Range
Min: 4.24   Max: 15.33
Current: 10.58

4.24
15.33
ROA (%) 0.95
AUBN's ROA (%) is ranked higher than
80% of the 1794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. AUBN: 0.95 )
AUBN' s 10-Year ROA (%) Range
Min: 0.32   Max: 1.19
Current: 0.95

0.32
1.19
ROC (Joel Greenblatt) (%) 112.21
AUBN's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.73 vs. AUBN: 112.21 )
AUBN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 25.7   Max: 304.33
Current: 112.21

25.7
304.33
Revenue Growth (%) 3.30
AUBN's Revenue Growth (%) is ranked higher than
82% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. AUBN: 3.30 )
AUBN' s 10-Year Revenue Growth (%) Range
Min: 1.3   Max: 15.3
Current: 3.3

1.3
15.3
EBITDA Growth (%) 15.00
AUBN's EBITDA Growth (%) is ranked higher than
84% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. AUBN: 15.00 )
AUBN' s 10-Year EBITDA Growth (%) Range
Min: -33.5   Max: 48.3
Current: 15

-33.5
48.3
EPS Growth (%) 9.90
AUBN's EPS Growth (%) is ranked higher than
77% of the 1419 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. AUBN: 9.90 )
AUBN' s 10-Year EPS Growth (%) Range
Min: -27.6   Max: 41.3
Current: 9.9

-27.6
41.3
» AUBN's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with AUBN

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.00
AUBN's P/E(ttm) is ranked higher than
84% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. AUBN: 12.00 )
AUBN' s 10-Year P/E(ttm) Range
Min: 10.18   Max: 33.14
Current: 12

10.18
33.14
P/B 1.20
AUBN's P/B is ranked higher than
71% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. AUBN: 1.20 )
AUBN' s 10-Year P/B Range
Min: 1.03   Max: 2.33
Current: 1.2

1.03
2.33
P/S 3.30
AUBN's P/S is ranked higher than
71% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. AUBN: 3.30 )
AUBN' s 10-Year P/S Range
Min: 2.42   Max: 5.49
Current: 3.3

2.42
5.49
PFCF 38.20
AUBN's PFCF is ranked higher than
74% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. AUBN: 38.20 )
AUBN' s 10-Year PFCF Range
Min: 4.7   Max: 110.6
Current: 38.2

4.7
110.6
EV-to-EBIT 7.41
AUBN's EV-to-EBIT is ranked higher than
93% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.86 vs. AUBN: 7.41 )
AUBN' s 10-Year EV-to-EBIT Range
Min: 7.3   Max: 86.6
Current: 7.41

7.3
86.6
PEG 0.36
AUBN's PEG is ranked higher than
96% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. AUBN: 0.36 )
AUBN' s 10-Year PEG Range
Min: 0.5   Max: 94.77
Current: 0.36

0.5
94.77
Shiller P/E 14.60
AUBN's Shiller P/E is ranked higher than
89% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.85 vs. AUBN: 14.60 )
AUBN' s 10-Year Shiller P/E Range
Min: 10.35   Max: 19.3
Current: 14.6

10.35
19.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.60
AUBN's Dividend Yield is ranked higher than
74% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. AUBN: 3.60 )
AUBN' s 10-Year Dividend Yield Range
Min: 2.13   Max: 4.39
Current: 3.6

2.13
4.39
Dividend Payout 0.43
AUBN's Dividend Payout is ranked higher than
67% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.46 vs. AUBN: 0.43 )
AUBN' s 10-Year Dividend Payout Range
Min: 0.18   Max: 3.39
Current: 0.43

0.18
3.39
Dividend growth (3y) 2.50
AUBN's Dividend growth (3y) is ranked higher than
73% of the 1059 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. AUBN: 2.50 )
AUBN' s 10-Year Dividend growth (3y) Range
Min: 2.5   Max: 44.1
Current: 2.5

2.5
44.1
Yield on cost (5-Year) 4.07
AUBN's Yield on cost (5-Year) is ranked higher than
67% of the 1522 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. AUBN: 4.07 )
AUBN' s 10-Year Yield on cost (5-Year) Range
Min: 2.41   Max: 4.97
Current: 4.07

2.41
4.97

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
AUBN's Price/Tangible Book is ranked higher than
76% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. AUBN: 1.20 )
AUBN' s 10-Year Price/Tangible Book Range
Min: 1.03   Max: 3.33
Current: 1.2

1.03
3.33
Price/DCF (Projected) 0.64
AUBN's Price/DCF (Projected) is ranked higher than
83% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. AUBN: 0.64 )
AUBN' s 10-Year Price/DCF (Projected) Range
Min: 0.55   Max: 2.25
Current: 0.64

0.55
2.25
Price/Median PS Value 0.93
AUBN's Price/Median PS Value is ranked higher than
89% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. AUBN: 0.93 )
AUBN' s 10-Year Price/Median PS Value Range
Min: 0.64   Max: 2.07
Current: 0.93

0.64
2.07
Price/Peter Lynch Fair Value 0.50
AUBN's Price/Peter Lynch Fair Value is ranked higher than
97% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. AUBN: 0.50 )
AUBN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.51   Max: 5.21
Current: 0.5

0.51
5.21
Price/Graham Number 0.80
AUBN's Price/Graham Number is ranked higher than
83% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. AUBN: 0.80 )
AUBN' s 10-Year Price/Graham Number Range
Min: 0.73   Max: 2.02
Current: 0.8

0.73
2.02
Earnings Yield (Greenblatt) 13.50
AUBN's Earnings Yield (Greenblatt) is ranked higher than
92% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. AUBN: 13.50 )
AUBN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 13.6
Current: 13.5

1.2
13.6
Forward Rate of Return (Yacktman) 33.63
AUBN's Forward Rate of Return (Yacktman) is ranked higher than
88% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.57 vs. AUBN: 33.63 )
AUBN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -18.7   Max: 35.7
Current: 33.63

-18.7
35.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Auburn National Bancorporation, 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, primarily in Lee County. The Bank also offers commercial, financial, agricultural, real estate construction and consumer loan products and other financial services. The Bank is one of the largest providers of automated teller services in East Alabama and operates ATM machines in 13 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 and over the Internet. The Company and the Bank are extensively regulated under federal and state laws applicable to financial institutions.
» More Articles for AUBN

Headlines

Articles On GuruFocus.com
65 Stocks and Funds Increased Dividends Last Week Feb 18 2013 
small bank, small ca Jan 31 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 

More From Other Websites
AUBURN NATIONAL BANCORPORATION, INC Files SEC form 8-K, Results of Operations and Financial... Oct 27 2014
Auburn National Bancorporation, Inc. Reports Third Quarter Net Earnings Oct 27 2014
AUBURN NATIONAL BANCORPORATION, INC Files SEC form 8-K, Other Events, Financial Statements and... Aug 13 2014
Auburn National Bancorporation, Inc. Declares Quarterly Dividend Aug 12 2014
AUBURN NATIONAL BANCORPORATION, INC Financials Aug 08 2014
AUBURN NATIONAL BANCORPORATION, INC Files SEC form 10-Q, Quarterly Report Aug 01 2014
AUBURN NATIONAL BANCORPORATION, INC Files SEC form 8-K, Results of Operations and Financial... Jul 25 2014
AUBURN NATIONAL BANCORPORATION, INC Files SEC form 8-K, Submission of Matters to a Vote of Security... May 16 2014
AUBURN NATIONAL BANCORPORATION, INC Files SEC form 8-K, Other Events, Financial Statements and... May 13 2014
AUBURN NATIONAL BANCORPORATION, INC Files SEC form 10-Q, Quarterly Report May 05 2014
AUBURN NATIONAL BANCORPORATION, INC Files SEC form 8-K, Results of Operations and Financial... Apr 24 2014
Auburn National Bancorporation, Inc. Reports First Quarter Net Earnings Apr 24 2014
AUBURN NATIONAL BANCORPORATION, INC Files SEC form 10-K, Annual Report Mar 24 2014
How To Value Dividends That Grow By A Fixed Amount Each Year Mar 13 2014
AUBURN NATIONAL BANCORPORATION, INC Files SEC form 8-K, Other Events, Financial Statements and... Feb 12 2014
Auburn National Bancorporation, Inc. Declares Quarterly Dividend Feb 11 2014
AUBURN NATIONAL BANCORPORATION, INC Files SEC form 8-K, Results of Operations and Financial... Jan 28 2014
Auburn National Bancorporation, Inc. Reports Record Full Year Net Earnings of $7.1 million, or $1.95... Jan 28 2014
Dividend Contenders: 34 Increases Expected In The Next 11 Weeks Jan 17 2014
Auburn National Bancorporation, Inc. Declares Quarterly Dividend Nov 12 2013

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK