Auburn National Bancorporation, Inc.
- Open
- 28.39
- Day high
- 28.39
- Day low
- 27.00
- Prev close
- 27.04
- Volume
- 439
- Mkt cap
- $96M
- P/E (TTM)
- 12.2
- EPS (TTM)
- $2.27
- P/B
- 1.0
- P/S
- 2.5
- Yield
- 3.91%
- Per share
- $1.08
- ▲Insiders net buying $41K over the last 3 months (12 open-market buys, 0 sales)
- ◆Cluster buying — multiple insiders bought within days
- 🏛Institutions accumulating (13F)
Auburn National Bancorporation, Inc. (AUBN) is a Financial Services company listed on NASDAQ. The stock is up 12% over the past year. Over the trailing 3 months, insiders filed 12 open-market buys and 0 sales (SEC Form 4).
Auburn National Bancorporation, Inc. (AUBN) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
AUBN earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 28, 2026 | — | $0.63 | — | $9M | — |
| Mar 17, 2026 | — | $0.48 | — | $8M | — |
| Oct 23, 2025 | — | $0.64 | — | — | — |
| Jul 22, 2025 | — | $0.52 | — | $11M | — |
| Jan 28, 2025 | — | $0.45 | — | $8M | — |
| Oct 22, 2024 | — | $0.50 | — | $8M | — |
| Jul 23, 2024 | — | $0.50 | — | $10M | — |
| Jan 29, 2024 | — | $-1.14 | — | $630000 | — |
| Oct 26, 2023 | — | $0.43 | — | $7M | — |
| Jul 25, 2023 | — | $0.55 | — | $8M | — |
| Jan 30, 2023 | — | $1.27 | — | $3M | — |
| Oct 25, 2022 | — | $0.57 | — | $8M | — |
AUBN insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 8, 2026 | O'DONNELL SHANNONofficer: Senior Vice President | Grant | 1,084 | — |
| Jun 8, 2026 | Hedges David Adirector, officer: President\CEO | Grant | 2,078 | — |
| Jun 8, 2026 | Walker William James IVofficer: SVP/CFO | Grant | 1,207 | — |
| Jun 8, 2026 | Smith Robert Lawrenceofficer: SVP/CLO | Grant | 1,190 | — |
| May 7, 2026 | Hedges David Adirector, officer: President\CEO | Buy | 1,000 | $23.75 |
| May 6, 2026 | HOUSEL DAVID Edirector | Buy | 150 | $23.96 |
| Apr 30, 2026 | Conn Walton T Jr.director | Buy | 200 | $23.89 |
| Apr 30, 2026 | Conn Walton T Jr.director | Buy | 150 | $23.90 |
| Apr 15, 2026 | Barrett J Tuttdirector | Buy | 57 | $23.72 |
| Apr 15, 2026 | HOUSEL DAVID Edirector | Buy | 17 | $23.25 |
| Apr 15, 2026 | Barrett J Tuttdirector | Buy | 26 | $23.46 |
| Apr 15, 2026 | HAM WILLIAM F JRdirector | Buy | 53 | $23.72 |
| Apr 15, 2026 | HAM WILLIAM F JRdirector | Buy | 11 | $23.25 |
| Apr 15, 2026 | HOUSEL DAVID Edirector | Buy | 41 | $23.72 |
| Apr 15, 2026 | O'DONNELL SHANNONofficer: Senior Vice President | Buy | 17 | $23.72 |
Source: AUBN SEC Form 4 filings, latest Jun 8, 2026. For informational purposes only — not investment advice.
See the full AUBN insider & 13F page →Auburn National Bancorporation, Inc. company profile
Overview
Auburn National Bancorporation, Inc. (NASDAQ:AUBN) is a regional bank holding company founded in 1907 and headquartered in Auburn, Alabama. The company operates through its wholly-owned subsidiary AuburnBank, serving communities in East Alabama through seven full-service branches located in Auburn, Opelika, Notasulga, and Valley, along with loan production offices in Auburn and Phenix City. As a community-focused financial institution with over a century of operations, Auburn National has established itself as a local banking provider in the Alabama market, offering traditional banking services to individuals, businesses, and agricultural customers in its service area.
Business
Auburn National Bancorporation operates in the regional banking industry, which consists of financial institutions that provide traditional banking services within specific geographic markets. Regional banks typically serve as intermediaries between depositors who want to earn interest on their money and borrowers who need capital for various purposes. The company's core business revolves around commercial banking services delivered through AuburnBank. On the deposit side, the bank offers checking accounts (which allow customers to write checks and make electronic payments), savings accounts (which pay interest on deposited funds), transaction deposit accounts (used for daily banking needs), and certificates of deposit (time deposits that pay higher interest rates in exchange for customers agreeing to leave money untouched for specified periods). On the lending side, Auburn National provides several loan categories: commercial loans to businesses for working capital and expansion needs, financial loans for various business purposes, agricultural loans to farmers and agricultural businesses (particularly relevant given Alabama's agricultural economy), real estate construction loans for property development projects, and consumer loans for personal needs like auto purchases and home improvements. The bank also offers ancillary services including automated teller machine (ATM) services, debit cards for electronic payments, online banking platforms that allow customers to manage accounts remotely, bill payment services, and safe deposit boxes for storing valuables. These services complement the core banking operations and provide additional revenue streams while enhancing customer convenience and retention.
Revenue model
Auburn National generates revenue through the fundamental banking business model of net interest income and fee-based services. The primary revenue driver is the interest rate spread - the bank pays depositors a certain interest rate on their deposits and charges borrowers a higher interest rate on loans, with the difference representing the net interest margin. This spread typically ranges from 3-4% for healthy regional banks. The bank's customers include individual consumers seeking personal banking services, local businesses requiring commercial banking relationships, agricultural enterprises needing specialized farm lending, and real estate developers requiring construction financing. Given Auburn's location near Auburn University, the customer base likely includes university-related businesses and faculty/staff banking relationships. Several factors influence Auburn National's profitability margins. Interest rate environment significantly impacts net interest margins - rising rates generally benefit banks as loan rates adjust faster than deposit rates, while falling rates compress margins. Credit quality affects profitability through loan loss provisions; economic downturns in Alabama's agricultural and local business sectors could increase defaults. Competition from larger regional banks, national banks, and credit unions can pressure both deposit rates (increasing funding costs) and loan rates (reducing interest income). Regulatory compliance costs represent a fixed expense burden that affects smaller banks disproportionately. Local economic conditions in East Alabama, including agricultural commodity prices, Auburn University's economic impact, and regional employment levels, directly influence loan demand and credit quality. Deposit competition from online banks and money market funds can increase funding costs, while technology investments required for digital banking capabilities represent ongoing expense pressures for smaller institutions.
Competitive moat
Auburn National's competitive moat is relatively narrow, typical of small regional banks operating in limited geographic markets. The company's primary defensive characteristics include local market knowledge and relationship banking - deep understanding of the East Alabama market, established relationships with local businesses and agricultural customers, and personalized service that larger banks may struggle to replicate. The bank benefits from regulatory barriers that make new bank formation difficult and expensive, providing some protection from new entrants. Additionally, customer switching costs create modest defensive value, as businesses and individuals often maintain banking relationships due to convenience and established credit facilities. However, Auburn National faces significant competitive pressures that limit its moat strength. Larger regional banks like Regions Financial, BB&T (now Truist), and SunTrust have greater resources, broader product offerings, and more sophisticated technology platforms. National banks can offer competitive rates and superior digital banking experiences. Credit unions often provide better rates to members due to their tax-advantaged status. The most significant threat comes from digital disruption - online banks offering higher deposit rates, fintech lenders providing faster loan approvals, and payment apps reducing transaction account usage. Agricultural lending, while a specialty area, faces competition from Farm Credit System institutions that have government sponsorship and deeper agricultural expertise. Auburn National's small size ($979 million in assets) limits its ability to invest in technology, offer competitive rates, or diversify geographically. The bank lacks the scale economies that would provide a sustainable competitive advantage, making it vulnerable to both larger competitors and technological disruption in the banking industry.
Risks & safety
Auburn National demonstrates moderate financial stability with some areas of concern typical of smaller regional banks. **Liquidity and Solvency:** - Strong cash position with $56.2 million in cash and short-term investments (5.7% of total assets) - No significant debt burden (debt-to-equity ratio of 0.0% as of Q4 2024) - Adequate capital levels with equity representing approximately 8% of total assets - Positive operating cash flow of $10.8 million for fiscal 2024 **Profitability Metrics:** - Return on equity of 8.2% for fiscal 2024, indicating reasonable profitability - Net income of $6.4 million on $30.6 million revenue (20.9% net margin) - Price-to-earnings ratio of 12.8x, suggesting reasonable valuation relative to earnings **Areas of Concern:** - Very low current ratio of 0.07x indicates potential liquidity management challenges typical of banks - Small size limits diversification and creates concentration risk in East Alabama market - Revenue volatility evident in quarterly results ($7.8M to $10.5M range) - Limited geographic and product diversification increases vulnerability to local economic downturns **Other Considerations:** - Regulatory capital requirements may limit growth flexibility - Interest rate sensitivity could impact margins in changing rate environments - Small float and limited institutional coverage may affect stock liquidity
Recent development
Based on the available financial data, Auburn National has maintained its traditional community banking focus while navigating a challenging interest rate environment over the past few years. The bank has demonstrated earnings resilience with fiscal 2024 net income of $6.4 million, representing a significant improvement from the $1.4 million earned in fiscal 2023, though still below the exceptional $10.3 million performance in fiscal 2022. The company has maintained a conservative balance sheet approach with no significant debt burden and strong liquidity positions. Cash and short-term investments have fluctuated between $17.9 million and $102.7 million across reporting periods, indicating active liquidity management in response to deposit flows and lending opportunities. Asset quality management appears to be a key focus, with the bank maintaining its traditional lending disciplines across commercial, agricultural, and consumer loan portfolios. The company's total assets have remained relatively stable around $975-$1.025 billion, suggesting measured growth rather than aggressive expansion. Revenue performance has shown volatility, with quarterly revenues ranging from $7.6 million to $10.5 million in 2024, likely reflecting the impact of interest rate changes on net interest margins and fee income. The bank appears to be managing through the interest rate cycle while maintaining its core community banking relationships and service offerings in the East Alabama market. Without detailed earnings call transcripts, specific strategic initiatives regarding digital banking enhancements, market expansion plans, or new product developments are not evident from the financial data alone.
AUBN company profile · for informational purposes only — not investment advice.
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