AUBN (Auburn National Bancorp) Scaled Net Operating Assets: -0.02 (As of Mar. 2026)


AUBN Auburn National Bancorp Inc AUBN
60 GF Score
Price $27.25
GF Value $25.93
Valuation Fairly Valued
! 2 Warning Signs
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What is Auburn National Bancorp Scaled Net Operating Assets?

Auburn National Bancorp AUBN -0.77% 60 Scaled Net Operating Assets is -0.02 as of Mar. 2026. GuruFocus rates AUBN with a GF Score™ of 60/100 and a GF Value™ of $25.93 (Fairly Valued). The stock has 2 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Auburn National Bancorp's operating assets for the quarter that ended in Mar. 2026 was $913.56 Mil. Auburn National Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $933.89 Mil. Auburn National Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $1,018.80 Mil. Therefore, Auburn National Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.02.

AUBN
60GF Score
Auburn National Bancorp Inc AUBN
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Auburn National Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Auburn National Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(892.287-926.744)/977.324
=-0.04

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1018.797 - 126.51
=892.287

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=926.744 - 0 - 0
=926.744

Auburn National Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(913.561-933.885)/1018.797
=-0.02

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1026.946 - 113.385
=913.561

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=933.885 - 0 - 0
=933.885

* 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.

What does a Scaled Net Operating Assets of -0.02 mean?
Auburn National Bancorp (AUBN) has a Scaled Net Operating Assets of -0.02 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Auburn National Bancorp and its competitors.
Is Auburn National Bancorp's Scaled Net Operating Assets too high?
Auburn National Bancorp's current Scaled Net Operating Assets is -0.02. 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 Scaled Net Operating Assets compare to CNBB and BYLB?
Auburn National Bancorp's Scaled Net Operating Assets of -0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Auburn National Bancorp and its competitors. Auburn National Bancorp's current Scaled Net Operating Assets is -0.02. 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 $27.25 — trading 5.1% above its estimated fair value. The current Scaled Net Operating Assets is -0.02. Auburn National Bancorp's overall GF Score™ is 60/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Auburn National Bancorp (AUBN), the current Scaled Net Operating Assets is -0.02 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 $25.93. GuruFocus considers Auburn National Bancorp to be Fairly Valued.

Key valuation signals for AUBN:

  • Scaled Net Operating Assets: -0.02
  • GF Value™: $25.93 vs. price of $27.25 (5.1% above fair value)
  • GF Score™: 60/100 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.
60GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.25
Price
$25.93
GF Value