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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 22.58
AUBN's Cash-to-Debt is ranked higher than
71% of the 1656 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.12 vs. AUBN: 22.58 )
Ranked among companies with meaningful Cash-to-Debt only.
AUBN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.33 Max: N/A
Current: 22.58
Equity-to-Asset 0.10
AUBN's Equity-to-Asset is ranked lower than
51% of the 1629 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 2.76
AUBN's Interest Coverage is ranked higher than
64% of the 1583 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. AUBN: 2.76 )
Ranked among companies with meaningful Interest Coverage only.
AUBN' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.75 Max: 2.76
Current: 2.76
0.11
2.76
Beneish M-Score: -2.34
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 : 4/10

vs
industry
vs
history
Operating Margin % 41.19
AUBN's Operating Margin % is ranked higher than
71% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.61 vs. AUBN: 41.19 )
Ranked among companies with meaningful Operating Margin % only.
AUBN' s Operating Margin % Range Over the Past 10 Years
Min: 9.4  Med: 36.27 Max: 43.09
Current: 41.19
9.4
43.09
Net Margin % 29.83
AUBN's Net Margin % is ranked higher than
70% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.71 vs. AUBN: 29.83 )
Ranked among companies with meaningful Net Margin % only.
AUBN' s Net Margin % Range Over the Past 10 Years
Min: 10.95  Med: 27.03 Max: 32.12
Current: 29.83
10.95
32.12
ROE % 9.38
AUBN's ROE % is ranked higher than
56% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. AUBN: 9.38 )
Ranked among companies with meaningful ROE % only.
AUBN' s ROE % Range Over the Past 10 Years
Min: 4.24  Med: 10.07 Max: 13.64
Current: 9.38
4.24
13.64
ROA % 0.93
AUBN's ROA % is ranked higher than
52% of the 1669 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. AUBN: 0.93 )
Ranked among companies with meaningful ROA % only.
AUBN' s ROA % Range Over the Past 10 Years
Min: 0.32  Med: 0.94 Max: 1.05
Current: 0.93
0.32
1.05
3-Year Revenue Growth Rate -2.60
AUBN's 3-Year Revenue Growth Rate is ranked lower than
80% of the 1397 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. AUBN: -2.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
AUBN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -4.6  Med: 3.3 Max: 15.3
Current: -2.6
-4.6
15.3
3-Year EBITDA Growth Rate 6.70
AUBN's 3-Year EBITDA Growth Rate is ranked higher than
50% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. AUBN: 6.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
AUBN' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -33.5  Med: 5.8 Max: 48.2
Current: 6.7
-33.5
48.2
3-Year EPS without NRI Growth Rate 4.70
AUBN's 3-Year EPS without NRI Growth Rate is ranked lower than
56% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. AUBN: 4.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
AUBN' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -27.6  Med: 6.45 Max: 41.3
Current: 4.7
-27.6
41.3
GuruFocus has detected 4 Warning Signs with Auburn National Bancorp Inc $AUBN.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» AUBN's 30-Y Financials

Financials (Next Earnings Date: 2017-08-19 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:RBPAA, OTCPK:FNCB, OTCPK:STND, NAS:CIZN, OTCPK:HLAN, OTCBB:DCBF, NAS:LARK, NAS:ACFC, NAS:SBBX, OTCPK:FRAF, OTCPK:FNRN, OTCPK:KTYB, OTCPK:CWBB, NAS:HWBK, NAS:FSFG, NAS:FCCY, OTCPK:MVBF, NAS:FRBA, OTCPK:MNAT, NAS:SLCT » details
Headquarter Location:USA
Auburn National Bancorp Inc, through AuburnBank provides banking services in Lee County. It offers checking, savings, transaction deposit accounts and certificates of deposit, and is an active residential mortgage lender in its service area.

Auburn National Bancorporation is the holding company for AuburnBank, which operates banking offices in Alabama. The bank provides savings, checking, individual retirement, and money market accounts, as well as certificates of deposit. AuburnBank offers credit cards, automated teller services, and also originates commercial and residential real estate, business, and consumer loans.

Top Ranked Articles about Auburn National Bancorp Inc

Auburn National Bancorporation, Inc. Declares Quarterly Dividend

Ratios

vs
industry
vs
history
PE Ratio 16.20
AUBN's PE Ratio is ranked lower than
57% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. AUBN: 16.20 )
Ranked among companies with meaningful PE Ratio only.
AUBN' s PE Ratio Range Over the Past 10 Years
Min: 10.2  Med: 13.14 Max: 33.1
Current: 16.2
10.2
33.1
PE Ratio without NRI 16.20
AUBN's PE Ratio without NRI is ranked lower than
57% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. AUBN: 16.20 )
Ranked among companies with meaningful PE Ratio without NRI only.
AUBN' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.2  Med: 13.14 Max: 33.1
Current: 16.2
10.2
33.1
Price-to-Owner-Earnings 16.21
AUBN's Price-to-Owner-Earnings is ranked lower than
59% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.22 vs. AUBN: 16.21 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
AUBN' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.99  Med: 12.73 Max: 193.55
Current: 16.21
6.99
193.55
PB Ratio 1.52
AUBN's PB Ratio is ranked lower than
68% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. AUBN: 1.52 )
Ranked among companies with meaningful PB Ratio only.
AUBN' s PB Ratio Range Over the Past 10 Years
Min: 1.03  Med: 1.26 Max: 2.32
Current: 1.52
1.03
2.32
PS Ratio 4.84
AUBN's PS Ratio is ranked lower than
73% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. AUBN: 4.84 )
Ranked among companies with meaningful PS Ratio only.
AUBN' s PS Ratio Range Over the Past 10 Years
Min: 2.42  Med: 3.43 Max: 5.49
Current: 4.84
2.42
5.49
Price-to-Free-Cash-Flow 13.04
AUBN's Price-to-Free-Cash-Flow is ranked lower than
55% of the 877 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.52 vs. AUBN: 13.04 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
AUBN' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.57  Med: 10.29 Max: 111.04
Current: 13.04
4.57
111.04
Price-to-Operating-Cash-Flow 11.59
AUBN's Price-to-Operating-Cash-Flow is ranked lower than
55% of the 958 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.47 vs. AUBN: 11.59 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
AUBN' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.44  Med: 9.45 Max: 825
Current: 11.59
4.44
825
EV-to-EBIT 5.36
AUBN's EV-to-EBIT is ranked higher than
78% of the 1267 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. AUBN: 5.36 )
Ranked among companies with meaningful EV-to-EBIT only.
AUBN' s EV-to-EBIT Range Over the Past 10 Years
Min: -0.6  Med: 19 Max: 86.6
Current: 5.36
-0.6
86.6
EV-to-EBITDA 4.82
AUBN's EV-to-EBITDA is ranked higher than
79% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.09 vs. AUBN: 4.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
AUBN' s EV-to-EBITDA Range Over the Past 10 Years
Min: -0.5  Med: 17.4 Max: 64.6
Current: 4.82
-0.5
64.6
PEG Ratio 1.22
AUBN's PEG Ratio is ranked higher than
56% of the 852 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. AUBN: 1.22 )
Ranked among companies with meaningful PEG Ratio only.
AUBN' s PEG Ratio Range Over the Past 10 Years
Min: 0.46  Med: 1.1 Max: 245.8
Current: 1.22
0.46
245.8
Shiller PE Ratio 18.48
AUBN's Shiller PE Ratio is ranked higher than
59% of the 509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.59 vs. AUBN: 18.48 )
Ranked among companies with meaningful Shiller PE Ratio only.
AUBN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.88  Med: 13.86 Max: 22.22
Current: 18.48
10.88
22.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.60
AUBN's Dividend Yield % is ranked lower than
51% of the 2338 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.52 vs. AUBN: 2.60 )
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: 2.6
2.13
4.39
Dividend Payout Ratio 0.42
AUBN's Dividend Payout Ratio is ranked lower than
65% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. AUBN: 0.42 )
Ranked among companies with meaningful Dividend Payout Ratio only.
AUBN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.38  Med: 0.43 Max: 1.15
Current: 0.42
0.38
1.15
3-Year Dividend Growth Rate 2.30
AUBN's 3-Year Dividend Growth Rate is ranked lower than
69% of the 802 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. AUBN: 2.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
AUBN' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 2.3  Med: 7 Max: 35.7
Current: 2.3
2.3
35.7
Forward Dividend Yield % 2.63
AUBN's Forward Dividend Yield % is ranked lower than
54% of the 2218 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.89 vs. AUBN: 2.63 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.93
AUBN's 5-Year Yield-on-Cost % is ranked lower than
56% of the 2673 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.17 vs. AUBN: 2.93 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
AUBN' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.4  Med: 3.84 Max: 4.94
Current: 2.93
2.4
4.94

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.53
AUBN's Price-to-Tangible-Book is ranked lower than
62% of the 1622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. AUBN: 1.53 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
AUBN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.03  Med: 1.4 Max: 3.18
Current: 1.53
1.03
3.18
Price-to-Intrinsic-Value-Projected-FCF 0.75
AUBN's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
54% of the 914 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. AUBN: 0.75 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
AUBN' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.5  Med: 0.82 Max: 2.25
Current: 0.75
0.5
2.25
Price-to-Median-PS-Value 1.41
AUBN's Price-to-Median-PS-Value is ranked lower than
73% of the 1559 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. AUBN: 1.41 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
AUBN' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.65  Med: 1.02 Max: 2.13
Current: 1.41
0.65
2.13
Price-to-Peter-Lynch-Fair-Value 1.46
AUBN's Price-to-Peter-Lynch-Fair-Value is ranked lower than
59% of the 463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. AUBN: 1.46 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
AUBN' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.49  Med: 0.95 Max: 5.21
Current: 1.46
0.49
5.21
Price-to-Graham-Number 1.05
AUBN's Price-to-Graham-Number is ranked lower than
57% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. AUBN: 1.05 )
Ranked among companies with meaningful Price-to-Graham-Number only.
AUBN' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.73  Med: 0.91 Max: 1.96
Current: 1.05
0.73
1.96
Earnings Yield (Greenblatt) % 18.65
AUBN's Earnings Yield (Greenblatt) % is ranked higher than
83% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. AUBN: 18.65 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
AUBN' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -9734.6  Med: 5.1 Max: 7714.3
Current: 18.65
-9734.6
7714.3
Forward Rate of Return (Yacktman) % 19.79
AUBN's Forward Rate of Return (Yacktman) % is ranked higher than
70% of the 952 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.26 vs. AUBN: 19.79 )
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: -16.3  Med: 9.1 Max: 38
Current: 19.79
-16.3
38

More Statistics

Revenue (TTM) (Mil) $26.31
EPS (TTM) $ 2.16
Beta0.34
Short Percentage of Float0.02%
52-Week Range $27.14 - 36.50
Shares Outstanding (Mil)3.64
» More Articles for AUBN

Headlines

Articles On GuruFocus.com
Auburn National Bancorporation, Inc. Declares Quarterly Dividend May 09 2017 
Quality Bank for Dividend Investors Sep 19 2016 
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 

More From Other Websites
Auburn National Bancorp, Inc. : AUBN-US: Dividend Analysis : June 09th, 2017 (record date) : By the... Jun 08 2017
Auburn National Bancorporation, Inc. Declares Quarterly Dividend May 09 2017
Auburn National Bancorp, Inc. :AUBN-US: Earnings Analysis: Q1, 2017 By the Numbers : May 2, 2017 May 02 2017
Auburn National posts 1Q profit Apr 24 2017
Auburn National Bancorporation, Inc. Reports First Quarter Net Earnings Apr 24 2017
Auburn National Bancorp, Inc. :AUBN-US: Earnings Analysis: Q4, 2016 By the Numbers : March 14, 2017 Mar 14 2017
Auburn National Bancorp, Inc. :AUBN-US: Earnings Analysis: 2016 By the Numbers : March 13, 2017 Mar 13 2017
Auburn National Bancorp, Inc. : AUBN-US: Dividend Analysis : December 09th, 2016 (record date) : By... Jan 30 2017
Auburn National Bancorp, Inc. :AUBN-US: Earnings Analysis: Q3, 2016 By the Numbers : October 26,... Oct 26 2016
Auburn National Bancorp, Inc. : AUBN-US: Dividend Analysis : September 09th, 2016 (record date) : By... Oct 20 2016
Auburn National Bancorp, Inc. :AUBN-US: Earnings Analysis: Q2, 2016 By the Numbers : August 1, 2016 Aug 01 2016

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