AUBN (Auburn National Bancorp) Cyclically Adjusted Book per Share: $29.51 (As of Mar. 2026)


AUBN Auburn National Bancorp Inc AUBN
64 GF Score
Price $26.91
GF Value $25.93
Valuation Fairly Valued
! 2 Warning Signs
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What is Auburn National Bancorp Cyclically Adjusted Book per Share?

Auburn National Bancorp AUBN -0.68% 64 Cyclically Adjusted Book per Share is $29.51 as of Mar. 2026. GuruFocus rates AUBN with a GF Score™ of 64/100 and a GF Value™ of $25.93 (Fairly Valued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Auburn National Bancorp's adjusted book value per share for the three months ended in Mar. 2026 was $26.619. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $29.51 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Auburn National Bancorp's average Cyclically Adjusted Book Growth Rate was 1.80% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 1.60% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 3.70% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 5.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Auburn National Bancorp was 7.70% per year. The lowest was 1.60% per year. And the median was 6.00% per year.

As of today (2026-07-04), Auburn National Bancorp's current stock price is $26.91. Auburn National Bancorp's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $29.51. Auburn National Bancorp's Cyclically Adjusted PB Ratio of today is 0.91.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Auburn National Bancorp was 2.67. The lowest was 0.58. And the median was 1.38.


Auburn National Bancorp  (NAS:AUBN) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Auburn National Bancorp's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=26.91/29.51
=0.91

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Auburn National Bancorp was 2.67. The lowest was 0.58. And the median was 1.38.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Auburn National Bancorp Cyclically Adjusted Book per Share Related Terms


Auburn National Bancorp Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Auburn National Bancorp's Cyclically Adjusted Book per Share can be seen below:

* 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 Cyclically Adjusted Book per Share Chart

Auburn National Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 26.40 27.76 28.33 28.74 29.08

Auburn National Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 29.00 29.15 29.25 29.08 29.51

AUBN vs CNBB, BYLB, PBHC: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Auburn National Bancorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Auburn National Bancorp Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Auburn National Bancorp's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Auburn National Bancorp's Cyclically Adjusted PB Ratio falls into.


AUBN
64GF Score
Auburn National Bancorp Inc AUBN
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Auburn National Bancorp Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Auburn National Bancorp's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=26.619/330.2130*330.2130
=26.619

Current CPI (Mar. 2026) = 330.2130.

Auburn National Bancorp Quarterly Data

Book Value per Share CPI Adj_Book
201606 23.273 241.018 31.886
201609 23.341 241.428 31.925
201612 22.551 241.432 30.844
201703 22.878 243.801 30.987
201706 23.353 244.955 31.481
201709 23.748 246.819 31.772
201712 23.849 246.524 31.945
201803 23.356 249.554 30.905
201806 23.531 251.989 30.836
201809 23.452 252.439 30.677
201812 24.439 251.233 32.122
201903 25.398 254.202 32.992
201906 26.334 256.143 33.949
201909 27.123 256.759 34.882
201912 27.574 256.974 35.433
202003 29.042 258.115 37.154
202006 29.529 257.797 37.824
202009 29.813 260.280 37.823
202012 30.199 260.474 38.284
202103 29.063 264.877 36.232
202106 29.905 271.696 36.346
202109 29.733 274.310 35.792
202112 29.468 278.802 34.902
202203 24.570 287.504 28.220
202206 21.683 296.311 24.164
202209 17.059 296.808 18.979
202212 19.424 296.797 21.611
202303 21.034 301.836 23.012
202306 20.285 305.109 21.954
202309 17.588 307.789 18.869
202312 21.897 306.746 23.572
202403 21.319 312.332 22.540
202406 21.525 314.175 22.624
202409 24.137 315.301 25.279
202412 22.408 315.605 23.445
202503 23.788 319.799 24.563
202506 24.634 322.561 25.218
202509 25.648 324.800 26.075
202512 26.346 324.054 26.847
202603 26.619 330.213 26.619

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $29.51 mean?
Auburn National Bancorp (AUBN) has a Cyclically Adjusted Book per Share of $29.51 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Auburn National Bancorp and its competitors.
Is Auburn National Bancorp's Cyclically Adjusted Book per Share too high?
Auburn National Bancorp's current Cyclically Adjusted Book per Share is $29.51. Overall, Auburn National Bancorp has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Auburn National Bancorp's Cyclically Adjusted Book per Share compare to CNBB and BYLB?
Auburn National Bancorp's Cyclically Adjusted Book per Share of $29.51 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Auburn National Bancorp and its competitors. Auburn National Bancorp's current Cyclically Adjusted Book per Share is $29.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Auburn National Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Auburn National Bancorp (AUBN) is currently considered Fairly Valued. The stock's GF Value™ is $25.93, compared to a current price of $26.91 — trading 3.8% above its estimated fair value. The current Cyclically Adjusted Book per Share is $29.51. Auburn National Bancorp's overall GF Score™ is 64/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Auburn National Bancorp (AUBN), the current Cyclically Adjusted Book per Share is $29.51 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Auburn National Bancorp (AUBN) Overvalued in 2026?

Based on GuruFocus' analysis, Auburn National Bancorp stock appears to be overvalued. The current stock price of $26.91 is trading 3.8% above its estimated GF Value™ of $25.93. GuruFocus considers Auburn National Bancorp to be Fairly Valued.

Key valuation signals for AUBN:

  • Cyclically Adjusted Book per Share: $29.51
  • GF Value™: $25.93 vs. price of $26.91 (3.8% above fair value)
  • GF Score™: 64/100 with 2 warning signs

No single metric tells the full story. See the AUBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Auburn National Bancorp Business Description

Address 100 N. Gay Street, Auburn, AL, USA, 36830
Auburn National Bancorp Inc is a bank holding company registered with the Board of Governors of the Federal Reserve System (the Federal Reserve). As a bank holding company, the Company may diversify into a broader range of financial services and other business activities than are currently permitted to the Bank under applicable laws and regulations. The holding company structure also provides greater financial and operating flexibility than is presently permitted to the Bank. The Company's business is conducted through the Bank and its subsidiaries. Although it has no immediate plansto conduct any other business, the Company may engage directly or indirectly in several activities closely related to banking permitted by the Federal Reserve.
64GF Score

Get the complete analysis for AUBN

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$26.91
Price
$25.93
GF Value