Auburn National Bancorporation, Inc. (AUBN) Stock

Auburn National Bancorporation, Inc. (AUBN) is a Financials stock trading at $26.61 (as of 2026-08-21), with a market capitalization of $92.73M and a trailing P/E of 11.1. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Auburn National Bancorporation, Inc. is a bank holding company for AuburnBank, offering deposit accounts such as checking, savings, transaction accounts, and certificates of deposit, along with loan products for commercial, financial, agricultural, real estate construction, and consumer borrowers. The company also provides automated teller services, debit cards, online banking and bill payment, safe deposit boxes, and operates full-service branches in East Alabama.

Understand Auburn National Bancorporation, Inc.: how it makes money

Auburn National Bancorporation operates AuburnBank, providing deposit accounts, loan products, and electronic banking services to customers in East Alabama, and it makes money through these banking products and services.

The profit engine is the bank's loan book, with credit outcomes (net charge-offs, nonperforming assets) and funding mix (loan to deposit ratio) shaping performance.

Business quality (Solid): Operating indicators for the latest quarter point to limited credit stress so far (nonperforming assets at 0.0B and net charge-offs rate of 0.22%), but the business is still exposed to changes in credit quality and local demand for loans.

Valuation: At 11× earnings, AUBN trades 14% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Credit stress indicators are low in the latest quarter: Nonperforming Assets are 0.0B and the Net Charge-Offs Annualized Rate is 0.22% as of 2026-03-31.
  • Loan growth is measurable via the average loan base: Average Loans are reported around 0.57 to 0.58 USD_B in the latest period.

Bear case

  • Credit losses can rise with changing borrower conditions: The company offers multiple categories of loan products, so results can be pressured if Annualized Net Charge-Offs as a Percent of Average Loans increase from current levels.
  • Funding and liquidity sensitivity: With a Loan To Deposit Ratio of 62.7%, shifts in deposits versus loan demand could affect how easily the bank funds its lending activities.
  • Business is tied to East Alabama banking demand: The bank operates in East Alabama, so changes in local economic conditions can impact customers' borrowing and deposit behavior.
Valuation — source: SEC EDGAR (first-party)
Price$26.61
Market Cap$92.73M
P/E Ratio11.1
EV / EBITDA-9.2
Price / Book0.99
Price / Sales150.06
DCF Value (model)$33.72
DCF Upside vs Price26.7%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$619000.00
Net Margin1172.1%
Revenue Growth (YoY)0.7%
EPS Growth (YoY)26.9%
Valuation vs Sector & Industry
Stock P/E11.1
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-26.8%
vs Industry-14.8%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($2.16M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEODavid A. Hedges
Employees145
CountryUS
IPO Date1995-08-03

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AUBN earnings history · AUBN institutional & insider holders · AUBN KPIs & operating metrics · AUBN financials · AUBN investor presentations & press releases · AUBN SEC filings · AUBN peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.