Auburn National BancorpAUBN -5.64%60 Pretax Margin % is 32.47% as of Mar. 2026, which is 9% below its 10-year median of 35.77. GuruFocus rates AUBN with a GF Score™ of 60/100 and a GF Value™ of $25.92 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,530 Banks companies, Auburn National Bancorp ranks worse than 62.81% on this metric.
The historical rank and industry rank for Auburn National Bancorp's Pretax Margin % or its related term are showing as below:
AUBN'
s Pretax Margin % Range Over the Past 10 Years
Min: 2.65 Med: 35.77 Max: 43.09
Current: 30.01
AUBN's Pretax Margin % is ranked worse than 62.81% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs AUBN: 30.01
Auburn National Bancorp (NAS:AUBN) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Auburn National Bancorp Pretax Margin % Related Terms
Auburn National Bancorp Pretax 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.
AUBN vs CNBB, BYLB, PBHC: Pretax Margin % Comparison
For the Banks - Regional subindustry, Auburn National Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Auburn National Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Auburn National Bancorp's Pretax 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 Pretax Margin % of 32.47% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Auburn National Bancorp and its competitors. This is near median its historical median of 35.77. Over the past decade, Auburn National Bancorp's Pretax Margin % has ranged from 2.65 to 43.09. According to the industry distribution chart, Auburn National Bancorp ranks #961 out of 1530 companies in the Banks industry, placing it in the top 62.8%.
Is Auburn National Bancorp's Pretax Margin % too high?
Auburn National Bancorp's current Pretax Margin % of 32.47% is near median its 10-year median of 35.77. Over the past 10 years, this metric has ranged from a low of 2.65 to a high of 43.09. The Banks industry median Pretax Margin % is 34.72. Auburn National Bancorp's value of 32.47% is 6.5% below this industry median. Based on the distribution chart, Auburn National Bancorp ranks #961 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Auburn National Bancorp has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Auburn National Bancorp's Pretax Margin % compare to CNBB and BYLB?
According to the Banks industry distribution chart, Auburn National Bancorp ranks #961 out of 1530 companies for Pretax Margin %. This places Auburn National Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.72. Auburn National Bancorp's value of 32.47% is 6.5% below this benchmark. Historically, Auburn National Bancorp's own Pretax Margin % has ranged from 2.65 to 43.09 over the past decade. While the company's 10-year median is 35.77 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Auburn National Bancorp's current Pretax Margin % of 32.47% is 6.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Auburn National Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Auburn National Bancorp's current Pretax Margin % is 32.47%, which is near median its own 10-year median of 35.77. 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 $27.25 — trading 5.1% above its estimated fair value. The current Pretax Margin % is 32.47%, which is near median its 10-year median of 35.77 and 6.5% below the Banks industry median of 34.72. Auburn National Bancorp's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Auburn National Bancorp (AUBN), the current Pretax Margin % is 32.47% 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 $27.25 is trading 5.1% above its estimated GF Value™ of $25.92.
GuruFocus considers Auburn National Bancorp to be Fairly Valued.
Key valuation signals for AUBN:
Pretax Margin %: 32.47% (near median its 10-year median of 35.77)
GF Value™: $25.92 vs. price of $27.25 (5.1% above fair value)
Industry Position: 6.5% below the Banks median (#961 of 1530)
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.
60GF Score
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