AUBN (Auburn National Bancorp) Moat Score: 3/10 (As of Jul. 05, 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 Moat Score?

Auburn National Bancorp AUBN -0.68% 64 Moat Score is 3 as of Jul. 05, 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. Among 1,611 Banks companies, Auburn National Bancorp ranks better than 74.49% on this metric.

Auburn National Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Auburn National Bancorp has No Moat: Auburn National Bancorp has limited competitive advantages, with no significant market leadership or proprietary technology. Its small scale and lack of differentiation result in a weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Auburn National Bancorp might have No Moat - Very weak/transient advantages.

Auburn National Bancorp  (NAS:AUBN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Auburn National Bancorp Moat Score Related Terms

AUBN vs CNBB, BYLB, PBHC: Moat Score Comparison

For the Banks - Regional subindustry, Auburn National Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Auburn National Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Auburn National Bancorp's Moat Score falls into.


AUBN
64GF Score
Auburn National Bancorp Inc AUBN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Auburn National Bancorp (AUBN) has a Moat Score of 3 as of Jul. 05, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Auburn National Bancorp ranks #411 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is Auburn National Bancorp's Moat Score too high?
Auburn National Bancorp's current Moat Score is 3. Based on the distribution chart, Auburn National Bancorp ranks #411 out of 1611 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to CNBB and BYLB?
According to the Banks industry distribution chart, Auburn National Bancorp ranks #411 out of 1611 companies for Moat Score. This puts Auburn National Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Auburn National Bancorp's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Auburn National Bancorp (AUBN), the current Moat Score is 3 as of Jul. 05, 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:

  • Moat Score: 3
  • 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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$26.91
Price
$25.93
GF Value