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Auburn National Bancorporation (AUBN) Financials

Auburn National Bancorporation logo
$26.37 -0.41 (-1.52%)
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Annual Income Statements for Auburn National Bancorporation

Annual Income Statements for Auburn National Bancorporation

This table shows Auburn National Bancorporation's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 7.86 8.15 7.85 8.83 9.74 7.45 8.04 10 1.40 6.40 7.26
Consolidated Net Income / (Loss)		 7.86 8.15 7.85 8.83 9.74 7.45 8.04 10 1.40 6.40 7.26
Net Income / (Loss) Continuing Operations		 7.86 8.15 7.85 8.83 9.74 7.45 8.04 10 1.40 6.40 7.26
Total Pre-Tax Income 		11 11 11 11 12 9.06 9.45 13 0.62 8.40 9.21
Total Revenue		 27 26 28 29 32 30 28 34 23 31 33
Net Interest Income / (Expense)		 23 23 25 26 26 24 24 27 26 27 30
Total Interest Income		 27 27 28 29 30 28 27 30 34 39 41
Loans and Leases Interest Income		 20 20 21 22 23 22 20 20 25 30 31
Investment Securities Interest Income		 6.46 5.76 6.57 6.36 6.10 5.78 5.88 8.29 8.78 5.72 5.22
Other Interest Income		 0.21 0.60 0.77 1.12 1.22 0.36 0.16 1.01 0.67 3.27 4.71
Total Interest Expense		 4.44 4.08 3.59 3.68 4.18 3.86 2.52 2.38 8.05 12 11
Deposits Interest Expense		 4.14 3.84 3.45 3.61 4.18 3.85 2.50 2.32 7.97 12 11
Short-Term Borrowings Interest Expense		 0.02 0.02 0.02 0.02 0.01 0.01 0.02 0.06 0.07 0.00 0.00
Long-Term Debt Interest Expense		 0.28 0.23 0.13 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Non-Interest Income		 4.53 3.38 3.44 3.33 5.49 5.38 4.29 6.51 -2.98 3.47 3.12
Service Charges on Deposit Accounts		 - - 0.75 0.75 0.72 0.59 0.57 0.60 0.60 0.61 0.62
Other Service Charges		 2.33 2.20 1.43 1.49 1.88 1.64 1.76 1.70 1.87 1.85 1.61
Net Realized & Unrealized Capital Gains on Investments		 1.46 0.73 0.83 0.66 0.74 2.42 1.56 3.90 -5.87 0.61 0.47
Other Non-Interest Income		 0.75 0.46 0.44 0.44 2.15 0.72 0.40 0.32 0.41 0.40 0.41
Provision for Credit Losses		 0.20 -0.49 -0.30 0.00 -0.25 1.10 -0.60 1.00 0.14 0.04 0.63
Total Non-Interest Expense		 16 15 17 18 20 20 19 20 23 22 23
Salaries and Employee Benefits		 9.29 9.83 10 11 12 11 12 12 12 13 13
Net Occupancy & Equipment Expense		 1.55 1.47 1.47 1.47 1.91 2.51 1.74 2.74 2.95 2.51 2.35
Other Operating Expenses		 5.17 4.84 5.30 5.76 5.86 5.73 5.98 4.77 7.54 7.12 7.44
Other Special Charges		 0.36 -0.79 - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Income Tax Expense		 2.82 3.10 3.64 2.19 2.37 1.61 1.41 2.50 -0.78 2.00 1.96
Basic Earnings per Share		 $2.16 $2.24 $2.15 $2.42 $2.72 $2.09 $2.27 $2.95 $0.40 $1.83 $2.08
Weighted Average Basic Shares Outstanding		 3.64M 3.64M 3.64M 3.64M 3.58M 3.57M 3.55M 3.51M 3.50M 3.49M 3.49M
Diluted Earnings per Share		 $2.16 $2.24 $2.15 $2.42 $2.72 $2.09 - - - $1.83 $2.08
Weighted Average Diluted Shares Outstanding		 3.64M 3.64M 3.64M 3.64M 3.58M 3.57M 3.55M 3.50M 3.49M 3.49M 3.50M
Weighted Average Basic & Diluted Shares Outstanding		 3.64M 3.64M 3.64M 3.64M 3.58M 3.57M 3.55M 3.50M 3.49M 3.49M 3.49M
Cash Dividends to Common per Share		 $0.88 $0.90 $0.92 $0.96 $1.00 $1.00 $1.04 $1.06 $1.08 $1.08 $1.08

Quarterly Income Statements for Auburn National Bancorporation

This table shows Auburn National Bancorporation's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 1.49 -3.99 1.37 1.73 1.73 1.56 1.53 1.83 2.23 1.67 2.20
Consolidated Net Income / (Loss)		 1.49 -3.99 1.37 1.73 1.73 1.56 1.53 1.83 2.23 1.67 2.20
Net Income / (Loss) Continuing Operations		 1.49 -3.99 1.37 1.73 1.73 1.56 1.53 1.83 2.23 1.67 2.20
Total Pre-Tax Income 		1.67 -5.50 1.54 2.21 2.26 2.39 1.92 2.32 2.85 2.12 2.80
Total Revenue		 7.14 0.63 7.54 7.61 7.64 7.81 7.79 8.13 8.40 8.47 8.63
Net Interest Income / (Expense)		 6.27 6.06 6.66 6.71 6.79 6.97 7.05 7.34 7.57 7.71 7.73
Total Interest Income		 8.64 9.10 9.23 9.58 9.96 9.96 9.86 10 10 10 10
Loans and Leases Interest Income		 6.37 6.78 6.99 7.45 7.64 7.65 7.54 7.68 7.79 7.83 7.93
Investment Securities Interest Income		 2.19 2.09 1.49 1.45 1.40 1.39 1.35 1.32 1.29 1.27 1.22
Other Interest Income		 0.09 0.23 0.75 0.69 0.91 0.92 0.97 1.12 1.33 1.29 1.21
Total Interest Expense		 2.37 3.04 2.57 2.88 3.17 2.99 2.82 2.77 2.84 2.67 2.63
Deposits Interest Expense		 2.33 3.04 2.57 2.87 3.17 2.99 2.82 2.77 2.84 2.67 2.63
Short-Term Borrowings Interest Expense		 0.04 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 0.00 0.00
Long-Term Debt Interest Expense		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Non-Interest Income		 0.87 -5.43 0.89 0.90 0.85 0.85 0.75 0.79 0.83 0.75 0.89
Service Charges on Deposit Accounts		 0.15 0.15 0.16 0.15 0.15 0.15 0.16 0.15 0.15 0.16 0.15
Other Service Charges		 0.52 0.53 0.48 0.46 0.46 0.45 0.39 0.41 0.41 0.41 0.46
Net Realized & Unrealized Capital Gains on Investments		 0.11 -6.21 0.15 0.18 0.13 0.15 0.09 0.13 0.17 0.08 0.17
Other Non-Interest Income		 0.09 0.10 0.10 0.10 0.10 0.10 0.11 0.10 0.10 0.11 0.11
Provision for Credit Losses		 0.11 0.33 0.33 -0.12 -0.13 -0.05 -0.01 0.11 -0.26 0.78 -0.08
Total Non-Interest Expense		 5.36 5.80 5.68 5.52 5.50 5.47 5.88 5.70 5.81 5.56 5.90
Salaries and Employee Benefits		 2.84 3.29 3.07 3.14 3.15 3.18 3.31 3.26 3.38 3.21 3.37
Net Occupancy & Equipment Expense		 0.76 0.61 0.76 0.60 0.61 0.53 0.71 0.60 0.60 0.44 0.58
Other Operating Expenses		 1.76 1.90 1.84 1.78 1.74 1.77 1.86 1.84 1.83 1.92 1.96
Income Tax Expense		 0.18 -1.51 0.16 0.48 0.53 0.83 0.39 0.49 0.62 0.46 0.60
Basic Earnings per Share		 $0.43 ($1.14) $0.39 $0.50 $0.50 $0.44 $0.44 $0.52 $0.64 $0.48 $0.63
Weighted Average Basic Shares Outstanding		 3.50M 3.50M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M
Diluted Earnings per Share		 $0.00 - $0.00 $0.00 $0.50 $1.33 $0.44 $0.00 $0.64 $1.44 $0.63
Weighted Average Diluted Shares Outstanding		 0.00 3.49M 0.00 0.00 3.49M 3.49M 3.49M 0.00 3.50M 3.50M 3.50M
Weighted Average Basic & Diluted Shares Outstanding		 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M
Cash Dividends to Common per Share		 $0.27 - $0.27 $0.27 $0.27 - $0.27 $0.27 $0.27 - $0.27

Annual Cash Flow Statements for Auburn National Bancorporation

This table details how cash moves in and out of Auburn National Bancorporation's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 30 7.35 -16 -40 27 20 44 -129 44 22 54
Net Cash From Operating Activities		 11 10 9.40 12 11 9.73 12 11 12 11 12
Net Cash From Continuing Operating Activities		 11 10 9.40 12 11 9.73 12 11 12 11 12
Net Income / (Loss) Continuing Operations		 7.86 8.15 7.85 8.83 9.74 7.45 8.04 10 1.40 6.40 7.26
Consolidated Net Income / (Loss)		 7.86 8.15 7.85 8.83 9.74 7.45 8.04 10 1.40 6.40 7.26
Provision For Loan Losses		 0.20 -0.49 -0.30 0.00 -0.25 1.10 -0.60 1.00 0.14 0.04 0.63
Depreciation Expense		 1.17 1.20 1.02 0.94 1.16 1.67 1.24 1.53 1.70 1.93 2.11
Amortization Expense		 1.55 1.68 2.13 2.03 1.85 2.86 3.98 3.09 2.38 1.51 1.38
Non-Cash Adjustments to Reconcile Net Income		 0.13 -1.24 -0.79 0.97 -2.59 -3.10 1.41 -1.77 5.65 -0.04 -0.70
Changes in Operating Assets and Liabilities, net		 -0.05 1.18 -0.50 -0.62 0.94 -0.26 -1.75 -3.21 0.64 0.98 1.68
Net Cash From Investing Activities		 -0.36 -13 -40 -12 24 -103 -119 -91 91 17 19
Net Cash From Continuing Investing Activities		 -0.36 -13 -40 -12 24 -103 -119 -91 91 17 19
Purchase of Property, Leasehold Improvements and Equipment		 - - - - - - -20 -7.05 -0.42 -2.09 -1.49
Purchase of Investment Securities		 -33 -103 -83 -45 -84 -187 -172 -139 -53 -6.71 -1.74
Sale of Property, Leasehold Improvements and Equipment		 - - - - 0.00 0.00 0.00 4.22 0.00 0.00 0.00
Sale and/or Maturity of Investments		 33 90 43 33 108 84 74 51 142 26 22
Other Investing Activities, net		 - - - - - - - 0.00 3.04 0.00 0.00
Net Cash From Financing Activities		 20 9.44 14 -41 -7.57 113 150 -49 -59 -5.68 23
Net Cash From Continuing Financing Activities		 20 9.44 14 -41 -7.57 113 150 -49 -59 -5.68 23
Net Change in Deposits		 30 16 19 -33 -0.04 116 154 -44 -54 -0.42 27
Issuance of Common Equity		 - - - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Repayment of Debt		 -5.36 -3.21 0.00 -3.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Repurchase of Common Equity		 - - - 0.00 -2.72 0.00 -1.62 -0.50 -0.23 0.00 0.00
Payment of Dividends		 -3.21 -3.28 -3.35 -3.50 -3.58 -3.64 -3.68 -3.72 -3.78 -3.77 -3.77
Other Financing Activities, Net		 -1.73 0.42 -0.71 -0.36 -1.23 1.32 1.06 -0.90 -1.07 -1.49 0.00
Cash Interest Paid		 4.53 4.11 3.62 3.62 4.09 4.06 2.56 2.34 7.52 12 11
Cash Income Taxes Paid		 2.31 2.20 3.29 2.69 2.30 1.96 2.76 1.35 1.23 1.24 0.68

Quarterly Cash Flow Statements for Auburn National Bancorporation

This table details how cash moves in and out of Auburn National Bancorporation's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 0.08 42 1.21 42 -25 3.52 25 34 -9.23 4.91 -1.66
Net Cash From Operating Activities		 3.32 1.21 3.08 3.06 1.87 2.80 2.63 2.14 4.09 3.50 2.54
Net Cash From Continuing Operating Activities		 3.32 1.21 3.08 3.06 1.87 2.80 2.63 2.14 4.09 3.50 2.54
Net Income / (Loss) Continuing Operations		 1.49 -3.99 1.37 1.73 1.73 1.56 1.53 1.83 2.23 1.67 2.20
Consolidated Net Income / (Loss)		 1.49 -3.99 1.37 1.73 1.73 1.56 1.53 1.83 2.23 1.67 2.20
Provision For Loan Losses		 0.10 0.33 0.33 -0.12 -0.13 -0.05 -0.01 0.11 -0.26 0.78 -0.08
Depreciation Expense		 0.42 0.42 0.43 0.47 0.50 0.53 0.53 0.51 0.53 0.55 0.56
Amortization Expense		 0.61 0.55 0.39 0.38 0.39 0.35 0.35 0.35 0.34 0.33 0.34
Non-Cash Adjustments to Reconcile Net Income		 -0.09 5.98 -0.29 0.03 -0.66 0.88 -0.40 -0.01 -0.06 -0.23 0.07
Changes in Operating Assets and Liabilities, net		 0.79 -2.08 0.85 0.56 0.05 -0.47 0.63 -0.66 1.30 0.40 -0.55
Net Cash From Investing Activities		 -16 110 -4.38 -5.41 19 7.57 8.94 2.96 10 -3.31 -11
Net Cash From Continuing Investing Activities		 -16 110 -4.38 -5.41 19 7.57 8.94 2.96 10 -3.31 -11
Purchase of Investment Securities		 -0.34 -53 -1.01 -0.84 -0.05 -4.81 -0.21 1.07 4.31 -6.90 -0.15
Sale and/or Maturity of Investments		 -18 163 -3.37 -4.58 19 14 9.15 1.89 5.90 5.08 -11
Other Investing Activities, net		 3.04 - 0.00 - - - 0.00 - - - 0.00
Net Cash From Financing Activities		 12 -70 2.51 44 -46 -6.84 14 28 -24 4.72 7.24
Net Cash From Continuing Financing Activities		 12 -70 2.51 44 -46 -6.84 14 28 -24 4.72 7.24
Net Change in Deposits		 14 -68 3.43 47 -45 -5.90 15 29 -23 5.66 8.18
Issuance of Common Equity		 - - 0.00 - - - 0.00 - - - 0.00
Repayment of Debt		 - - 0.00 - - - 0.00 - - - 0.00
Repurchase of Common Equity		 -0.13 - 0.00 - - - 0.00 - - - 0.00
Payment of Dividends		 -0.94 -0.94 -0.94 -0.94 -0.94 -0.94 -0.94 -0.94 -0.94 -0.94 -0.94
Other Financing Activities, Net		 -0.43 -0.26 0.03 -1.51 - - 0.00 - - - 0.00
Cash Interest Paid		 2.19 3.13 2.44 2.94 3.05 3.09 2.82 2.85 2.85 2.63 2.61
Cash Income Taxes Paid		 - 0.43 0.00 0.46 0.13 0.66 0.00 1.03 - -0.35 0.00

Annual Balance Sheets for Auburn National Bancorporation

This table presents Auburn National Bancorporation's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 817 832 853 818 828 957 1,105 1,024 975 977 1,019
Cash and Due from Banks		 9.81 16 13 13 15 15 11 12 27 15 22
Federal Funds Sold		 57 42 42 27 26 29 77 9.30 31 37 21
Interest Bearing Deposits at Other Banks		 47 64 51 25 51 69 68 6.35 13 41 104
Trading Account Securities		 242 244 258 240 236 335 422 405 271 243 233
Loans and Leases, Net of Allowance		 422 426 449 472 457 456 453 499 550 550 551
Loans and Leases		 426 431 454 477 461 462 458 504 557 557 558
Allowance for Loan and Lease Losses		 4.29 4.64 4.76 4.79 4.39 5.62 4.94 5.77 6.86 6.87 7.18
Loans Held for Sale		 1.54 1.50 1.92 0.38 2.20 3.42 1.38 0.00 0.00 0.00 0.17
Premises and Equipment, Net		 12 13 14 14 15 22 42 47 46 46 46
Other Assets		 26 27 26 27 26 27 30 46 37 38 34
Total Liabilities & Shareholders' Equity		 817 832 853 818 828 957 1,105 1,024 975 977 1,019
Total Liabilities		 737 750 766 729 730 849 1,001 956 899 899 927
Non-Interest Bearing Deposits		 157 182 194 202 196 245 316 311 271 261 268
Interest Bearing Deposits		 567 557 564 523 528 594 678 639 626 635 655
Federal Funds Purchased and Securities Sold		 2.95 3.37 2.66 2.30 1.07 2.39 3.45 2.55 1.49 0.00 0.00
Other Long-Term Liabilities		 3.45 4.04 2.94 2.53 4.33 6.72 3.73 2.96 1.02 3.21 3.82
Total Equity & Noncontrolling Interests		 80 82 87 89 98 108 104 68 77 78 92
Total Preferred & Common Equity		 80 82 87 89 98 108 104 68 77 78 92
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 80 82 87 89 98 108 104 68 77 78 92
Common Stock		 3.81 3.81 3.81 3.82 3.82 3.83 3.83 3.84 3.84 3.84 3.90
Retained Earnings		 81 86 90 96 102 106 110 117 113 116 119
Treasury Stock		 -6.64 -6.64 -6.64 -6.64 -9.36 -9.35 -11 -11 -12 -12 -12
Accumulated Other Comprehensive Income / (Loss)		 1.94 -0.71 -0.57 -3.76 2.06 7.60 0.89 -41 -29 -30 -19

Quarterly Balance Sheets for Auburn National Bancorporation

This table presents Auburn National Bancorporation's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,031 979 1,025 990 997 1,029 1,011 1,027
Cash and Due from Banks		 16 18 26 24 22 19 15 14
Federal Funds Sold		 0.42 17 12 10 30 24 15 33
Interest Bearing Deposits at Other Banks		 13 37 76 55 66 110 113 99
Trading Account Securities		 373 261 254 258 242 240 236 227
Loans and Leases, Net of Allowance		 539 560 571 559 554 556 551 568
Loans and Leases		 546 568 578 566 561 563 558 575
Allowance for Loan and Lease Losses		 6.78 7.22 7.14 6.88 6.75 6.97 6.69 6.78
Loans Held for Sale		 0.00 0.18 0.03 0.57 0.29 0.19 0.15 0.00
Premises and Equipment, Net		 46 46 47 46 46 45 45 45
Other Assets		 43 39 39 36 36 36 35 33
Total Liabilities & Shareholders' Equity		 1,031 979 1,025 990 997 1,029 1,011 1,027
Total Liabilities		 969 905 950 906 914 943 922 934
Non-Interest Bearing Deposits		 279 263 263 270 272 268 267 261
Interest Bearing Deposits		 685 636 683 631 639 671 650 671
Federal Funds Purchased and Securities Sold		 1.74 1.51 0.00 0.00 0.00 0.00 0.00 0.00
Other Long-Term Liabilities		 2.93 3.36 3.44 4.08 3.17 3.30 4.31 2.78
Total Equity & Noncontrolling Interests		 61 74 75 84 83 86 90 93
Total Preferred & Common Equity		 61 74 75 84 83 86 90 93
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 61 74 75 84 83 86 90 93
Common Stock		 3.84 3.84 3.84 3.84 3.84 3.84 3.87 3.91
Retained Earnings		 118 114 114 115 116 117 119 120
Treasury Stock		 -12 -12 -12 -12 -12 -12 -12 -12
Accumulated Other Comprehensive Income / (Loss)		 -49 -31 -31 -23 -25 -23 -21 -20

Annual Metrics And Ratios for Auburn National Bancorporation

This table displays calculated financial ratios and metrics derived from Auburn National Bancorporation's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 3,643,478.00 3,643,523.00 3,643,668.00 3,643,868.00 3,566,146.00 3,566,276.00 3,527,654.00 3,504,420.00 3,493,614.00 3,493,699.00 3,493,699.00
DEI Adjusted Shares Outstanding		 3,643,478.00 3,643,523.00 3,643,668.00 3,643,868.00 3,566,146.00 3,566,276.00 3,527,654.00 3,504,420.00 3,493,614.00 3,493,699.00 3,493,699.00
DEI Earnings Per Adjusted Shares Outstanding		 2.16 2.24 2.15 2.42 2.73 2.09 2.28 2.95 0.40 1.83 2.08
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 7.34% -4.17% 7.09% 3.32% 9.22% -5.85% -4.83% 19.07% -30.66% 31.06% 7.17%
EBITDA Growth		 6.63% 5.50% 3.56% -4.43% 8.13% -10.14% 7.96% 19.09% -73.11% 151.92% 7.32%
EBIT Growth		 4.36% 5.38% 2.05% -4.02% 9.89% -25.20% 4.26% 36.04% -95.19% 1,258.74% 9.69%
NOPAT Growth		 5.50% 3.72% -3.73% 12.59% 10.27% -23.48% 7.85% 28.70% -86.52% 358.57% 13.41%
Net Income Growth		 5.50% 3.72% -3.73% 12.59% 10.27% -23.48% 7.85% 28.70% -86.52% 358.57% 13.41%
EPS Growth		 5.88% 3.70% -4.02% 12.56% 12.40% -23.16% 0.00% 0.00% 0.00% 0.00% 13.66%
Operating Cash Flow Growth		 3.05% -3.36% -10.36% 29.15% -10.63% -10.34% 26.64% -10.88% 8.40% -9.18% 14.25%
Free Cash Flow Firm Growth		 325.25% 13.94% -68.59% 217.68% -95.27% -507.69% 729.09% 283.50% -115.36% 165.22% -241.07%
Invested Capital Growth		 -0.97% -2.03% 5.54% -1.19% 10.41% 9.52% -3.68% -34.40% 12.44% 2.33% 17.58%
Revenue Q/Q Growth		 0.61% -1.87% 3.29% 0.94% 4.47% -3.72% -1.92% 14.76% -31.51% 30.68% 2.03%
EBITDA Q/Q Growth		 0.01% 3.55% 0.82% -1.31% 4.30% -3.88% -3.17% 27.10% -71.04% 193.45% -2.09%
EBIT Q/Q Growth		 -0.40% 2.62% 1.94% -0.90% 3.08% -8.58% -5.41% 44.47% -94.87% 1,552.95% -2.84%
NOPAT Q/Q Growth		 0.51% 1.76% -3.11% 6.96% 3.00% -7.77% -2.24% 33.46% -85.83% 650.82% 1.47%
Net Income Q/Q Growth		 0.51% 1.76% -3.11% 6.96% 3.00% -7.77% -2.24% 33.46% -85.83% 650.82% 1.47%
EPS Q/Q Growth		 0.93% 1.36% -3.59% 7.56% 3.82% -7.93% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 231.97% -16.79% -3.80% 24.13% -15.39% 49.45% -15.20% -9.16% -8.07% 17.26% 6.01%
Free Cash Flow Firm Q/Q Growth		 35.81% 288.64% -70.64% -21.13% 125.94% -26.19% 24.93% -12.97% -186.36% 120.93% -447.36%
Invested Capital Q/Q Growth		 0.40% -7.45% 0.41% 4.21% 1.66% 1.29% -1.15% 13.79% 24.50% -7.17% 2.72%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 49.15% 54.10% 52.32% 48.40% 47.92% 45.73% 51.87% 51.88% 20.12% 38.68% 38.73%
EBIT Margin		 39.19% 43.09% 41.06% 38.14% 38.38% 30.49% 33.40% 38.16% 2.65% 27.44% 28.09%
Profit (Net Income) Margin		 28.84% 31.21% 28.05% 30.57% 30.87% 25.09% 28.43% 30.73% 5.98% 20.91% 22.12%
Tax Burden Percent		 73.59% 72.43% 68.33% 80.16% 80.43% 82.28% 85.11% 80.52% 225.73% 76.18% 78.76%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.41% 27.57% 31.67% 19.84% 19.57% 17.72% 14.89% 19.48% -125.73% 23.82% 21.24%
Return on Invested Capital (ROIC)		 8.97% 9.45% 8.94% 9.86% 10.40% 7.24% 7.60% 12.05% 1.93% 8.26% 8.52%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.97% 9.45% 8.94% 9.86% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 1.12% 0.61% 0.34% 0.18% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 10.09% 10.05% 9.28% 10.04% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 9.94% 11.50% 3.55% 11.05% 0.50% -1.85% 11.35% 53.60% -9.78% 5.96% -7.64%
Operating Return on Assets (OROA)		 1.33% 1.36% 1.36% 1.32% 1.47% 1.02% 0.92% 1.21% 0.06% 0.86% 0.92%
Return on Assets (ROA)		 0.98% 0.99% 0.93% 1.06% 1.18% 0.84% 0.78% 0.97% 0.14% 0.66% 0.73%
Return on Common Equity (ROCE)		 10.09% 10.05% 9.28% 10.04% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 9.83% 9.92% 9.03% 9.92% 9.91% 6.92% 7.75% 15.21% 1.82% 8.17% 7.88%
Net Operating Profit after Tax (NOPAT)		 7.86 8.15 7.85 8.83 9.74 7.45 8.04 10 1.40 6.40 7.26
NOPAT Margin		 28.84% 31.21% 28.05% 30.57% 30.87% 25.09% 28.43% 30.73% 5.98% 20.91% 22.12%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 39.78% 43.27% 41.06% 41.94% 43.85% 46.54% 47.57% 44.69% 64.48% 49.16% 47.29%
Operating Expenses to Revenue		 60.08% 58.77% 60.01% 61.86% 62.42% 65.81% 68.72% 58.87% 96.77% 72.44% 69.99%
Earnings before Interest and Taxes (EBIT)		 11 11 11 11 12 9.06 9.45 13 0.62 8.40 9.21
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 13 14 15 14 15 14 15 17 4.70 12 13
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.03 1.09 1.32 1.07 1.63 1.20 0.98 1.10 0.91 0.99 1.01
Price to Tangible Book Value (P/TBV)		 1.03 1.09 1.32 1.07 1.63 1.20 0.98 1.10 0.91 0.99 1.01
Price to Revenue (P/Rev)		 3.01 3.43 4.09 3.30 5.08 4.34 3.59 2.22 2.98 2.53 2.84
Price to Earnings (P/E)		 10.45 10.99 14.57 10.78 16.46 17.29 12.63 7.21 49.92 12.11 12.83
Dividend Yield		 3.91% 3.66% 2.93% 3.67% 2.22% 2.82% 3.61% 4.98% 5.42% 4.87% 4.05%
Earnings Yield		 9.57% 9.10% 6.87% 9.27% 6.08% 5.78% 7.92% 13.86% 2.00% 8.26% 7.79%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.13 0.34 0.69 0.15 0.00 0.70 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.43 1.04 2.15 0.55 0.00 1.41 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.82 2.16 4.49 1.20 0.00 2.71 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 1.04 2.74 5.60 1.80 0.00 3.69 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 1.53 3.42 6.97 2.18 0.00 4.58 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 1.27 2.49 6.26 1.67 0.00 4.32 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 3.84 3.05 145.04 0.00 0.00 1.03 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.09 0.04 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.09 0.04 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.12 0.06 0.04 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 10.31 10.17 9.97 9.50 8.78 8.66 9.75 12.39 13.83 12.61 11.72
Compound Leverage Factor		 10.31 10.17 9.97 9.50 8.78 8.66 9.75 12.39 13.83 12.61 11.72
Debt to Total Capital		 8.28% 3.77% 3.57% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 8.28% 3.77% 3.57% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 91.72% 96.23% 96.43% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.54 0.23 0.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 -7.97 -8.36 -6.99 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.54 0.23 0.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.92 0.39 0.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 -13.58 -14.49 -13.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.92 0.39 0.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 8.71 9.92 3.12 9.90 0.47 -1.91 12 46 -7.07 4.61 -6.51
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 61.07% 388.40% 2,847.37% 517.42% 831.58%
Free Cash Flow to Firm to Interest Expense		 1.96 2.43 0.87 2.69 0.11 -0.49 4.77 19.35 -0.88 0.40 -0.59
Operating Cash Flow to Interest Expense		 2.45 2.57 2.62 3.30 2.59 2.52 4.89 4.62 1.48 0.93 1.11
Operating Cash Flow Less CapEx to Interest Expense		 2.45 2.57 2.62 3.30 2.59 2.52 -3.12 3.43 1.43 0.75 0.98
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.04 0.03 0.03 0.03 0.02 0.03 0.03
Fixed Asset Turnover		 2.40 2.13 2.12 2.11 2.23 1.61 0.88 0.76 0.51 0.67 0.72
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 87 85 90 89 98 108 104 68 77 78 92
Invested Capital Turnover		 0.31 0.30 0.32 0.32 0.34 0.29 0.27 0.39 0.32 0.40 0.39
Increase / (Decrease) in Invested Capital		 -0.85 -1.77 4.73 -1.07 9.27 9.36 -3.96 -36 8.47 1.79 14
Enterprise Value (EV)		 -25 -28 12 30 68 16 -55 47 -1.73 -16 -55
Market Capitalization		 82 90 114 95 160 129 102 75 70 77 93
Book Value per Share		 $21.94 $22.55 $23.85 $24.44 $27.57 $30.20 $29.40 $19.42 $21.90 $22.41 $26.35
Tangible Book Value per Share		 $21.94 $22.55 $23.85 $24.44 $27.57 $30.20 $29.40 $19.42 $21.90 $22.41 $26.35
Total Capital		 87 85 90 89 98 108 104 68 77 78 92
Total Debt		 7.22 3.22 3.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 7.22 3.22 3.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -107 -118 -102 -65 -92 -113 -156 -27 -71 -93 -148
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 20 2.83 0.42 2.09 1.49
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 7.22 3.22 3.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 2.72 2.88 3.15 2.96 3.01 4.53 5.22 4.62 4.08 3.44 3.49
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.16 $2.24 $2.15 $2.42 $2.72 $2.09 $2.27 $2.95 $0.40 $1.83 $2.08
Adjusted Weighted Average Basic Shares Outstanding		 3.64M 3.64M 3.64M 3.59M 3.59M 3.57M 3.52M 3.51M 3.50M 3.49M 3.49M
Adjusted Diluted Earnings per Share		 $2.16 $2.24 $2.15 $2.42 $2.72 $2.09 $2.27 $0.00 $0.00 $0.00 $2.08
Adjusted Weighted Average Diluted Shares Outstanding		 3.64M 3.64M 3.64M 3.59M 3.59M 3.57M 3.52M 3.50M 3.49M 3.49M 3.50M
Adjusted Basic & Diluted Earnings per Share		 $2.16 $2.24 $2.15 $2.42 $2.72 $2.09 $2.27 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 3.64M 3.64M 3.64M 3.64M 3.58M 3.57M 3.55M 3.50M 3.49M 3.49M 3.49M
Normalized Net Operating Profit after Tax (NOPAT)		 8.12 7.58 7.85 8.83 9.74 7.45 8.04 10 0.43 6.40 7.26
Normalized NOPAT Margin		 29.81% 29.02% 28.05% 30.57% 30.87% 25.09% 28.43% 30.73% 1.85% 20.91% 22.12%
Pre Tax Income Margin		 39.19% 43.09% 41.06% 38.14% 38.38% 30.49% 33.40% 38.16% 2.65% 27.44% 28.09%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.41 2.76 3.20 3.00 2.90 2.35 3.75 5.40 0.08 0.72 0.83
NOPAT to Interest Expense		 1.77 2.00 2.18 2.40 2.33 1.93 3.19 4.35 0.17 0.55 0.65
EBIT Less CapEx to Interest Expense		 2.41 2.76 3.20 3.00 2.90 2.35 -4.26 4.21 0.02 0.54 0.70
NOPAT Less CapEx to Interest Expense		 1.77 2.00 2.18 2.40 2.33 1.93 -4.82 3.16 0.12 0.37 0.52
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 40.80% 40.23% 42.72% 39.60% 36.70% 48.81% 45.80% 35.96% 270.68% 58.98% 52.01%
Augmented Payout Ratio		 40.80% 40.23% 42.72% 39.60% 64.63% 48.81% 65.94% 40.83% 287.10% 58.98% 52.01%

Quarterly Metrics And Ratios for Auburn National Bancorporation

This table displays calculated financial ratios and metrics derived from Auburn National Bancorporation's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 3,497,430.00 3,493,614.00 3,493,674.00 3,493,699.00 3,493,699.00 3,493,699.00 3,493,699.00 3,493,699.00 3,493,699.00 3,493,699.00 3,493,699.00
DEI Adjusted Shares Outstanding		 3,497,430.00 3,493,614.00 3,493,674.00 3,493,699.00 3,493,699.00 3,493,699.00 3,493,699.00 3,493,699.00 3,493,699.00 3,493,699.00 3,493,699.00
DEI Earnings Per Adjusted Shares Outstanding		 0.43 -1.14 0.39 0.50 0.50 0.45 0.44 0.52 0.64 0.48 0.63
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -11.83% -94.46% -4.52% -0.96% 6.99% 1,140.32% 3.29% 6.94% 10.02% 8.36% 10.70%
EBITDA Growth		 -25.16% -164.81% -27.89% -6.16% 16.55% 172.19% 19.07% 3.63% 18.33% -8.28% 31.81%
EBIT Growth		 -31.28% -192.89% -31.20% -0.32% 35.51% 143.46% 25.21% 4.93% 25.94% -11.26% 45.73%
NOPAT Growth		 -25.53% -186.19% -30.19% -10.06% 16.40% 140.53% 11.60% 5.71% 28.58% 6.73% 43.66%
Net Income Growth		 -25.53% -189.23% -30.19% -10.06% 16.40% 139.15% 11.60% 5.71% 28.58% 6.73% 43.66%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 28.00% 8.27% 43.18%
Operating Cash Flow Growth		 -27.04% -46.36% -37.01% 22.99% -43.55% 131.60% -14.74% -30.05% 118.10% 25.00% -3.50%
Free Cash Flow Firm Growth		 -100.36% -130.67% -96.46% -135.40% -12,342.94% 98.17% -1,459.39% -261.30% 85.58% -5,276.00% -9.19%
Invested Capital Growth		 2.77% 12.44% 1.15% 5.96% 37.24% 2.33% 11.58% 14.44% 6.26% 17.58% 11.97%
Revenue Q/Q Growth		 -7.06% -91.17% 1,097.46% 0.81% 0.41% 2.33% -0.28% 4.38% 3.30% 0.79% 1.88%
EBITDA Q/Q Growth		 -17.20% -267.75% 151.98% 29.98% 2.84% 3.91% -14.28% 13.12% 17.43% -19.46% 23.20%
EBIT Q/Q Growth		 -24.64% -429.28% 127.91% 43.91% 2.44% 5.61% -19.58% 20.60% 22.95% -25.58% 32.06%
NOPAT Q/Q Growth		 -22.82% -358.69% 135.62% 26.48% -0.12% -9.93% -1.92% 19.80% 21.49% -25.24% 32.01%
Net Income Q/Q Growth		 -22.82% -367.81% 134.40% 26.48% -0.12% -9.93% -1.92% 19.80% 21.49% -25.24% 32.01%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 166.00% -66.92% 0.00% 0.00% 125.00% -56.25%
Operating Cash Flow Q/Q Growth		 33.57% -63.56% 154.84% -0.84% -38.69% 49.49% -6.18% -18.65% 91.16% -14.32% -27.57%
Free Cash Flow Firm Q/Q Growth		 -102.41% -7,144.29% 104.24% -578.74% -746.46% 98.94% -3,053.78% -27.24% 66.22% -296.59% 35.95%
Invested Capital Q/Q Growth		 -13.42% 24.50% -2.64% 0.97% 12.14% -7.17% 6.16% 3.56% 4.12% 2.72% 1.10%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.85% -719.21% 31.22% 40.25% 41.23% 41.86% 35.99% 39.00% 44.34% 35.43% 42.85%
EBIT Margin		 23.40% -872.86% 20.35% 29.05% 29.64% 30.59% 24.67% 28.50% 33.92% 25.05% 32.47%
Profit (Net Income) Margin		 20.85% -632.54% 18.17% 22.80% 22.68% 19.96% 19.64% 22.54% 26.51% 19.66% 25.48%
Tax Burden Percent		 89.10% 72.47% 89.32% 78.50% 76.54% 65.27% 79.60% 79.08% 78.14% 78.50% 78.47%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 10.90% 0.00% 10.68% 21.50% 23.46% 34.73% 20.40% 20.92% 21.86% 21.50% 21.53%
Return on Invested Capital (ROIC)		 11.72% -197.37% 5.64% 7.15% 7.29% 7.89% 7.69% 8.77% 9.80% 7.57% 9.73%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 13.51% -9.78% -1.22% -5.87% -30.23% 5.96% -2.63% -5.22% 2.15% -7.64% -2.30%
Operating Return on Assets (OROA)		 0.77% -20.39% 0.47% 0.65% 0.69% 0.96% 0.77% 0.87% 1.09% 0.82% 1.08%
Return on Assets (ROA)		 0.69% -14.77% 0.42% 0.51% 0.53% 0.63% 0.61% 0.69% 0.85% 0.65% 0.85%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 16.02% 0.00% 1.08% 0.81% 1.01% 0.00% 7.89% 7.73% 7.98% 0.00% 8.51%
Net Operating Profit after Tax (NOPAT)		 1.49 -3.85 1.37 1.73 1.73 1.56 1.53 1.83 2.23 1.67 2.20
NOPAT Margin		 20.85% -611.00% 18.17% 22.80% 22.68% 19.96% 19.64% 22.54% 26.51% 19.66% 25.48%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 50.43% 619.84% 50.82% 49.22% 49.27% 47.39% 51.64% 47.49% 47.29% 43.08% 45.73%
Operating Expenses to Revenue		 75.13% 921.11% 75.23% 72.57% 72.03% 70.03% 75.46% 70.11% 69.11% 65.70% 68.41%
Earnings before Interest and Taxes (EBIT)		 1.67 -5.50 1.54 2.21 2.26 2.39 1.92 2.32 2.85 2.12 2.80
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2.70 -4.53 2.36 3.06 3.15 3.27 2.80 3.17 3.73 3.00 3.70
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.16 0.91 0.86 0.81 0.91 0.99 0.87 1.01 1.11 1.01 0.90
Price to Tangible Book Value (P/TBV)		 1.16 0.91 0.86 0.81 0.91 0.99 0.87 1.01 1.11 1.01 0.90
Price to Revenue (P/Rev)		 2.09 2.98 2.78 2.65 3.26 2.53 2.34 2.78 3.09 2.84 2.48
Price to Earnings (P/E)		 7.24 49.92 79.71 99.95 89.61 12.11 11.00 13.12 13.90 12.83 10.52
Dividend Yield		 5.28% 5.42% 5.90% 6.21% 4.94% 4.87% 5.23% 4.32% 3.80% 4.05% 4.53%
Earnings Yield		 13.82% 2.00% 1.25% 1.00% 1.12% 8.26% 9.09% 7.62% 7.20% 7.79% 9.50%
Enterprise Value to Invested Capital (EV/IC)		 0.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 1.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 2.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 3.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 4.23 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 5.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 17.10 13.83 13.48 14.03 13.86 12.61 12.54 12.74 11.51 11.72 11.49
Compound Leverage Factor		 17.10 13.83 13.48 14.03 13.86 12.61 12.54 12.74 11.51 11.72 11.49
Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -0.17 -12 0.52 -2.50 -21 -0.23 -7.10 -9.03 -3.05 -12 -7.75
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -0.07 -4.05 0.20 -0.87 -6.68 -0.08 -2.52 -3.26 -1.07 -4.53 -2.95
Operating Cash Flow to Interest Expense		 1.40 0.40 1.20 1.06 0.59 0.94 0.93 0.77 1.44 1.31 0.96
Operating Cash Flow Less CapEx to Interest Expense		 1.40 0.40 1.20 1.06 0.59 0.94 0.93 0.77 1.44 1.31 0.96
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.02 0.02 0.02 0.02 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 0.74 0.51 0.50 0.50 0.51 0.67 0.67 0.68 0.70 0.72 0.74
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 61 77 74 75 84 78 83 86 90 92 93
Invested Capital Turnover		 0.56 0.32 0.31 0.31 0.32 0.40 0.39 0.39 0.37 0.39 0.38
Increase / (Decrease) in Invested Capital		 1.66 8.47 0.85 4.23 23 1.79 8.63 11 5.28 14 9.95
Enterprise Value (EV)		 42 -1.73 -8.65 -54 -13 -16 -47 -65 -44 -55 -63
Market Capitalization		 71 70 64 61 76 77 72 87 99 93 83
Book Value per Share		 $17.57 $21.90 $21.32 $21.53 $24.14 $22.41 $23.79 $24.64 $25.65 $26.35 $26.64
Tangible Book Value per Share		 $17.57 $21.90 $21.32 $21.53 $24.14 $22.41 $23.79 $24.64 $25.65 $26.35 $26.64
Total Capital		 61 77 74 75 84 78 83 86 90 92 93
Total Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -30 -71 -73 -114 -90 -93 -119 -152 -143 -148 -146
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 1.03 0.97 0.82 0.85 0.89 0.88 0.88 0.85 0.88 0.88 0.90
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.43 ($1.14) $0.39 $0.50 $0.50 $0.44 $0.44 $0.52 $0.64 $0.48 $0.63
Adjusted Weighted Average Basic Shares Outstanding		 3.50M 3.50M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $1.33 $0.00 $0.00 $0.64 $1.44 $0.63
Adjusted Weighted Average Diluted Shares Outstanding		 3.49M 3.49M 3.49M 0.00 0.00 3.49M 0.00 0.00 3.50M 3.50M 3.50M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M 3.49M
Normalized Net Operating Profit after Tax (NOPAT)		 1.49 -3.85 1.37 1.73 1.73 1.56 1.53 1.83 2.23 1.67 2.20
Normalized NOPAT Margin		 20.85% -611.00% 18.17% 22.80% 22.68% 19.96% 19.64% 22.54% 26.51% 19.66% 25.48%
Pre Tax Income Margin		 23.40% -872.86% 20.35% 29.05% 29.64% 30.59% 24.67% 28.50% 33.92% 25.05% 32.47%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.70 -1.81 0.60 0.77 0.71 0.80 0.68 0.84 1.00 0.79 1.07
NOPAT to Interest Expense		 0.63 -1.26 0.53 0.60 0.55 0.52 0.54 0.66 0.78 0.62 0.84
EBIT Less CapEx to Interest Expense		 0.70 -1.81 0.60 0.77 0.71 0.80 0.68 0.84 1.00 0.79 1.07
NOPAT Less CapEx to Interest Expense		 0.63 -1.26 0.53 0.60 0.55 0.52 0.54 0.66 0.78 0.62 0.84
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 38.21% 270.68% 470.57% 620.56% 442.84% 58.98% 57.55% 56.68% 52.76% 52.01% 47.62%
Augmented Payout Ratio		 40.98% 287.10% 491.15% 641.94% 442.84% 58.98% 57.55% 56.68% 52.76% 52.01% 47.62%

Financials Breakdown Chart

Key Financial Trends

Auburn National Bancorporation (NASDAQ: AUBN) showed a modestly improving operating picture in Q1 2026, but the bigger story over the last four years is a bank that has generally remained profitable while dealing with margin pressure, deposit swings, and a smaller equity base than it had in 2023.

  • Profitability improved year over year in Q1 2026. Net income rose to $2.2 million from $1.5 million in Q1 2025, while diluted EPS was $0.63 versus $0.44 a year ago.
  • Net interest income stabilized and edged higher sequentially. Q1 2026 net interest income was $7.73 million, slightly above Q4 2025’s $7.71 million.
  • Operating cash flow was solid in Q1 2026. The company generated $2.5 million in operating cash, which supports ongoing dividend payments.
  • Loan balances have trended upward from a year ago. Loans and leases net of allowance rose to $568.5 million in Q1 2026 from $553.9 million in Q1 2025.
  • Deposits grew year over year. Total deposits increased to about $931.1 million in Q1 2026 from roughly $909.5 million in Q1 2025, helping fund the balance sheet.
  • Revenue growth has been gradual, not dramatic. Q1 2026 total revenue of $8.63 million was only modestly above recent quarters, suggesting a stable but not accelerating top line.
  • Non-interest income remains a relatively small part of the business. Fee and other non-interest income was $893,000 in Q1 2026, still well below net interest income.
  • Dividend coverage appears adequate. Quarterly earnings of $0.63 per share versus a $0.27 dividend per share suggest the payout is covered, though not by a huge margin.
  • Book equity has recovered a bit from late 2025 but remains below 2024 levels. Total common equity was $93.1 million in Q1 2026, up from $83.1 million in Q1 2025, but still below the $2024 levels.
  • Deposit and funding trends have been volatile. Over the past several quarters, deposits moved sharply up and down, which can pressure liquidity and earnings consistency.
  • AOCI remains a meaningful drag on equity. Accumulated other comprehensive loss was negative $19.6 million in Q1 2026, weighing on reported equity.
  • Provisioning can swing sharply quarter to quarter. The bank recorded a $76,000 credit in Q1 2026 after a much larger $783,000 provision in Q4 2025, highlighting inconsistent credit costs.
  • Margins have been under pressure compared with 2023. Net interest income in recent quarters is above 2024 trough levels, but still below the stronger periods seen before deposit costs climbed.

Bottom line: AUBN looks like a stable community bank with decent earnings, decent capital generation, and a manageable dividend, but investors should watch deposit trends, net interest margin, and credit costs closely. The business is profitable, yet the last four years show that earnings can be sensitive to funding costs and balance-sheet mix.

07/23/26 09:53 AM ETAI Generated. May Contain Errors.

Auburn National Bancorporation Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Auburn National Bancorporation's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Auburn National Bancorporation's net income appears to be on a downward trend, with a most recent value of $7.26 million in 2025, falling from $7.86 million in 2015. The previous period was $6.40 million in 2024. Check out Auburn National Bancorporation's forecast to explore projected trends and price targets.

Over the last 10 years, Auburn National Bancorporation's total revenue changed from $27.25 million in 2015 to $32.79 million in 2025, a change of 20.3%.

Auburn National Bancorporation's total liabilities were at $926.74 million at the end of 2025, a 3.1% increase from 2024, and a 25.7% increase since 2015.

In the past 10 years, Auburn National Bancorporation's cash and equivalents has ranged from $9.81 million in 2015 to $27.13 million in 2023, and is currently $22.34 million as of their latest financial filing in 2025.

Over the last 10 years, Auburn National Bancorporation's book value per share changed from 21.94 in 2015 to 26.35 in 2025, a change of 20.1%.


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Financial statements for NASDAQ:AUBN last updated on 7/16/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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