The historical rank and industry rank for Auburn National Bancorp's ROE % or its related term are showing as below:
AUBN'
s ROE % Range Over the Past 10 Years
Min: 1.93 Med: 8.9 Max: 12.05
Current: 8.92
During the past 13 years, Auburn National Bancorp's highest ROE % was 12.05%. The lowest was 1.93%. And the median was 8.90%.
AUBN's ROE % is ranked worse than 59.51% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs AUBN: 8.92
Auburn National Bancorp (NAS:AUBN) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Auburn National Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where Auburn National Bancorp's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Auburn National Bancorp (AUBN) has a ROE % of 9.50% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Auburn National Bancorp and its competitors. This is near median its historical median of 8.90. Over the past decade, Auburn National Bancorp's ROE % has ranged from 1.93 to 12.05. According to the industry distribution chart, Auburn National Bancorp ranks #907 out of 1524 companies in the Banks industry, placing it in the top 59.5%.
Is Auburn National Bancorp's ROE % too high?
Auburn National Bancorp's current ROE % of 9.50% is near median its 10-year median of 8.90. Over the past 10 years, this metric has ranged from a low of 1.93 to a high of 12.05. The Banks industry median ROE % is 10.22. Auburn National Bancorp's value of 9.50% is 7% below this industry median. Based on the distribution chart, Auburn National Bancorp ranks #907 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, Auburn National Bancorp has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Auburn National Bancorp's ROE % compare to CULL and CIWV?
According to the Banks industry distribution chart, Auburn National Bancorp ranks #907 out of 1524 companies for ROE %. This places Auburn National Bancorp in the lower half of its industry. The industry median ROE % is 10.22. Auburn National Bancorp's value of 9.50% is 7% below this benchmark. Historically, Auburn National Bancorp's own ROE % has ranged from 1.93 to 12.05 over the past decade. While the company's 10-year median is 8.90 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Auburn National Bancorp's current ROE % of 9.50% is 7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Auburn National Bancorp and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Auburn National Bancorp's current ROE % is 9.50%, which is near median its own 10-year median of 8.90. 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 $26.30 — trading 1.5% above its estimated fair value. The current ROE % is 9.50%, which is near median its 10-year median of 8.90 and 7% below the Banks industry median of 10.22. Auburn National Bancorp's overall GF Score™ is 63/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Auburn National Bancorp (AUBN), the current ROE % is 9.50% 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 $26.30 is trading 1.5% above its estimated GF Value™ of $25.92.
GuruFocus considers Auburn National Bancorp to be Fairly Valued.
Key valuation signals for AUBN:
ROE %: 9.50% (near median its 10-year median of 8.90)
GF Value™: $25.92 vs. price of $26.30 (1.5% above fair value)
Industry Position: 7% below the Banks median (#907 of 1524)
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.
63GF Score
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