Auburn National Bancorporation Inc. Common Stock (AUBN)

FairStock Score: 50/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I see Auburn National Bancorporation as a tiny community bank: 145 employees, $92 million market cap at the 2026-10-13 close, serving East Alabama through AuburnBank. Graham would call it statistically interesting but not obviously wonderful. At $26.40, FairStock’s calculations put it at 10.95 times earnings and 0.98 times book, with a 4.06% dividend yield and a 9.32% ROE. Those are not demanding numbers, and FairStock’s PEG of 0.43 suggests the recent profit rebound is cheap relative to growth. But the long-term record is muted: FairStock’s Lynch category is Slow Grower — Shrinking, citing five-year profit of -0.5% a year and revenue growth of 1.1%. Filed results show improvement: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $2.3 million and diluted EPS was $0.66, versus $1.8 million and $0.52 in fiscal Q2 2025, the quarter ended 2025-06-30. For fiscal year 2025, the year ended 2025-12-31, net income was $7.3 million and diluted EPS was $2.08, up from $6.4 million and $1.83 in fiscal year 2024, the year ended 2024-12-31, and far above $1.4 million and $0.40 in fiscal year 2023, the year ended 2023-12-31. So earnings are recovering. Still, FairStock’s Piotroski F-Score is only 3/9, and the data lacks CET1, net interest margin, nonperforming assets, charge-offs and reserve coverage. For a bank, those are the real tests of underwriting and balance-sheet safety. A near-book price with a 4% yield and low beta offers some cushion, but without credit and capital detail, I would treat it as a fair-to-modestly-cheap small bank, not a sure bargain.

In plain English: Auburn National Bancorporation is a small Alabama bank holding company that takes deposits and makes loans through AuburnBank. Profits have improved recently, but the long-term growth record is slow and some financial health checks are weak. At $26.40, the stock looks roughly fair to slightly cheap compared with its earnings, net assets, and dividend.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer