Auburn National BancorpAUBN -0.08%65 Net Margin % is 25.48% as of Mar. 2026, which is 10% below its 10-year median of 28.24. GuruFocus rates AUBN with a GF Score™ of 65/100 and a GF Value™ of $25.92 (Fairly Valued). Among 1,527 Banks companies, Auburn National Bancorp ranks worse than 61.3% on this metric.
The historical rank and industry rank for Auburn National Bancorp's Net Margin % or its related term are showing as below:
AUBN'
s Net Margin % Range Over the Past 10 Years
Min: 5.98 Med: 28.24 Max: 33.99
Current: 23.56
AUBN's Net Margin % is ranked worse than 61.3% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs AUBN: 23.56
Auburn National Bancorp (NAS:AUBN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Auburn National Bancorp Net Margin % Related Terms
Auburn National Bancorp Net Margin % Historical Data
* 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.
For the Banks - Regional subindustry, Auburn National Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Auburn National Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Auburn National Bancorp's Net Margin % falls into.
* 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 (AUBN) has a Net Margin % of 25.48% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Auburn National Bancorp and its competitors. This is 10% below median its historical median of 28.24. Over the past decade, Auburn National Bancorp's Net Margin % has ranged from 5.98 to 33.99. According to the industry distribution chart, Auburn National Bancorp ranks #936 out of 1527 companies in the Banks industry, placing it in the top 61.3%.
Is Auburn National Bancorp's Net Margin % too high?
Auburn National Bancorp's current Net Margin % of 25.48% is 10% below median its 10-year median of 28.24. Over the past 10 years, this metric has ranged from a low of 5.98 to a high of 33.99. The Banks industry median Net Margin % is 26.95. Auburn National Bancorp's value of 25.48% is 5.5% below this industry median. Based on the distribution chart, Auburn National Bancorp ranks #936 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Auburn National Bancorp has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Auburn National Bancorp's Net Margin % compare to CULL and CIWV?
According to the Banks industry distribution chart, Auburn National Bancorp ranks #936 out of 1527 companies for Net Margin %. This places Auburn National Bancorp in the lower half of its industry. The industry median Net Margin % is 26.95. Auburn National Bancorp's value of 25.48% is 5.5% below this benchmark. Historically, Auburn National Bancorp's own Net Margin % has ranged from 5.98 to 33.99 over the past decade. While the company's 10-year median is 28.24 vs. the industry median of 26.95, Auburn National Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Auburn National Bancorp's current Net Margin % of 25.48% is 5.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Auburn National Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Auburn National Bancorp's current Net Margin % is 25.48%, which is 10% below median its own 10-year median of 28.24. 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 $25.92, compared to a current price of $25.43 — trading 1.9% below its estimated fair value. The current Net Margin % is 25.48%, which is 10% below median its 10-year median of 28.24 and 5.5% below the Banks industry median of 26.95. Auburn National Bancorp's overall GF Score™ is 65/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Auburn National Bancorp (AUBN), the current Net Margin % is 25.48% 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 undervalued.
The current stock price of $25.43 is trading 1.9% below its estimated GF Value™ of $25.92.
GuruFocus considers Auburn National Bancorp to be Fairly Valued.
Key valuation signals for AUBN:
Net Margin %: 25.48% (10% below median its 10-year median of 28.24)
GF Value™: $25.92 vs. price of $25.43 (1.9% below fair value)
Industry Position: 5.5% below the Banks median (#936 of 1527)
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 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.
65GF Score
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