AUBN (Auburn National Bancorp) Cyclically Adjusted PB Ratio: (As of Sep. 20, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

AUBN Auburn National Bancorp Inc AUBN
64 GF Score
Price $27.50
GF Value $26.80
Valuation Fairly Valued
! 2 Warning Signs
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What is Auburn National Bancorp Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Auburn National Bancorp  (NAS:AUBN) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Auburn National Bancorp Cyclically Adjusted PB Ratio Related Terms


Auburn National Bancorp Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Auburn National Bancorp's Cyclically Adjusted PB Ratio 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 PB Ratio Chart

Auburn National Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.21 0.83 0.74 0.81 0.92

Auburn National Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PB Ratio 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 0.86 0.97 0.93 0.81 0.91

AUBN vs SOBS, CZBT, CZBC: Cyclically Adjusted PB Ratio 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 PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Auburn National Bancorp Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Auburn National Bancorp's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 is calculated as:

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

Adj_Book=Book Value per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=26.915/333.9520*333.9520
=26.915

Current CPI (Jun. 2026) = 333.9520.

Auburn National Bancorp Quarterly Data

Book Value per Share CPI Adj_Book
201609 23.344 241.428 32.290
201612 22.554 241.432 31.197
201703 22.880 243.801 31.340
201706 23.355 244.955 31.840
201709 23.750 246.819 32.134
201712 23.851 246.524 32.310
201803 23.358 249.554 31.258
201806 23.533 251.989 31.187
201809 23.453 252.439 31.026
201812 24.440 251.233 32.487
201903 25.394 254.202 33.361
201906 26.335 256.143 34.335
201909 27.122 256.759 35.276
201912 27.573 256.974 35.833
202003 29.041 258.115 37.574
202006 29.527 257.797 38.249
202009 29.811 260.280 38.249
202012 30.197 260.474 38.715
202103 29.060 264.877 36.638
202106 29.906 271.696 36.759
202109 29.731 274.310 36.195
202112 29.464 278.802 35.292
202203 24.570 287.504 28.539
202206 21.683 296.311 24.437
202209 17.058 296.808 19.193
202212 19.421 296.797 21.852
202303 21.035 301.836 23.273
202306 20.282 305.109 22.199
202309 17.590 307.789 19.085
202312 21.899 306.746 23.841
202403 21.321 312.332 22.797
202406 21.527 314.175 22.882
202409 24.139 315.301 25.567
202412 22.409 315.605 23.712
202503 23.790 319.799 24.843
202506 24.636 322.561 25.506
202509 25.650 324.800 26.373
202512 26.348 324.054 27.153
202603 26.620 330.213 26.921
202606 26.915 333.952 26.915

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

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 $27.50 is trading 2.6% above its estimated GF Value™ of $26.80. GuruFocus considers Auburn National Bancorp to be Fairly Valued.

Key valuation signals for AUBN:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: $26.80 vs. price of $27.50 (2.6% 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 PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.50
Price
$26.80
GF Value