What is Auburn National Bancorp Financial Strength?
Auburn National Bancorp has the Financial Strength Rank of 6.
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). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3.
Altman Z-Score.
GuruFocus does not calculate Auburn National Bancorp's interest coverage with the available data.
Auburn National Bancorp's debt to revenue ratio for the quarter that ended in Dec. 2023 was 0.00.
Altman Z-Score does not apply to banks and insurance companies.
Auburn National Bancorp Financial Strength Calculation
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Auburn National Bancorp's Interest Expense for the
months ended in Dec. 2023 was $-3.04 Mil. Its Operating Income for the
months ended in Dec. 2023 was $0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $0.00 Mil.
Auburn National Bancorp's Interest Coverage for the quarter that ended in Dec. 2023 is
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Auburn National Bancorp Inc has no debt.
2. Debt to revenue ratio. The lower, the better.
Auburn National Bancorp's Debt to Revenue Ratio for the quarter that ended in Dec. 2023 is
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Auburn National Bancorp (Auburn National Bancorp) Business Description
Traded in Other Exchanges
N/A
Address
132 N. Gay Street, Auburn, AL, USA, 36830
Auburn National Bancorp Inc operates as a bank holding company, which offers checking, savings, transaction deposit accounts and certificates of deposit, and is an active residential mortgage lender in its primary service area. The Bank's primary service area 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 also provides automated teller machine (ATM) services in East Alabama and operates ATM machines. The Bank offers Visa Checkcards, which are debit cards. The Bank offers online banking, bill payment and other electronic banking services through its Internet website.
Executives
| David E Housel |
director |
100 NORTH GAY STREET, PO BOX 3110, AUBURN AL 36830 |
| Shannon O'donnell |
officer: SENIOR VICE PRESIDENT |
2032 ST. PATRICK COURT, AUBURN AL 36830 |
| J Tutt Barrett |
director |
P. O. BOX 49, OPELIKA AL 36803 |
| Ham William F Jr |
director |
100 NORTH GAY STREET, PO BOX 3110, AUBURN AL 36830 |
| David A Hedges |
officer: Controller |
1832 COOPER'S POND ROAD, AUBURN AL 36830 |
| Terry W Andrus |
director |
100 NORTH GAY STREET, PO BOX 3110, AUBURN AL 36830 |
| Wright Emil F Jr |
director, 10 percent owner |
100 NORTH GAY STREET, PO BOX 3110, AUBURN AL 36830 |
| Lauretta Jenkins Cooper |
director |
1520 DUNBAR STREET, AUBURN AL 36830 |
| Terrell E Bishop |
officer: Senior Vice President |
100 NORTH GAY STREET, PO BOX 3110, AUBURN AL 36830 |
| Jerome B Siegel |
officer: Senior Vice President |
616 LOCKWOOD STREET, AUBURN AL 36830 |
| Smith Charles Edward Jr |
officer: Senior Vice President |
100 NORTH GAY STREET, PO BOX 3110, AUBURN AL 36830 |
| William Thomas Johnson |
officer: Senior Vice President |
100 NORTH GAY STREET, PO BOX 3110, AUBURN AL 36830 |
| Samuel Mark Bridges |
officer: Senior Vice President |
P. O. BOX 3110, AUBURN AL 36831-3110 |
| Pamela Meigs Fuller |
officer: Vice President |
P. O. BOX 3110, AUBURN AL 36831 |
| Spencer Edward L Jr |
10 percent owner |
100 NORTH GAY STREET, PO BOX 3110, AUBURN AL 36830 |
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