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Auburn National Bancorporation, Inc.

AUBN

Auburn National Bancorporation, Inc. • NASDAQ
$24.50 ▲ 1.58% (+0.38)
Market Cap $85.60 M
52w High $29.00
52w Low $19.00
Dividend Yield 1.08%
P/E 11.95
Volume 60
Outstanding Shares 3.49M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $0 ▼ $0 ▼ $0 ▼ 0% ▼ $0.64 ▲ $0 ▼
Q2-2025 $10.9M ▲ $5.702M ▼ $1.833M ▲ 16.817% ▲ $0.52 ▲ $2.823M ▲
Q1-2025 $10.608M ▼ $5.87M ▲ $1.53M ▼ 14.423% ▼ $0.44 ▼ $2.45M ▼
Q4-2024 $10.805M $5.472M ▼ $1.56M ▼ 14.438% ▼ $0.45 ▼ $2.921M ▲
Q3-2024 $10.805M $5.5M $1.732M 16.03% $0.5 $2.763M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2025 $128.56M ▲ $1.029B ▲ $943.153M ▲ $86.071M ▲
Q1-2025 $88.534M ▲ $996.786M ▲ $913.671M ▲ $83.115M ▲
Q4-2024 $56.164M ▼ $977.324M ▼ $899.032M ▼ $78.292M ▼
Q3-2024 $337.79M ▼ $990.143M ▼ $905.807M ▼ $84.336M ▲
Q2-2024 $357.08M $1.025B $949.845M $75.209M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $1.833M ▲ $2.137M ▼ $2.961M ▼ $28.405M ▲ $33.503M ▲ $1.918M ▼
Q1-2025 $1.53M ▼ $2.627M ▼ $8.939M ▲ $13.736M ▲ $25.302M ▲ $2.416M ▼
Q4-2024 $1.56M ▼ $2.8M ▲ $7.567M ▼ $-6.843M ▲ $3.524M ▲ $2.641M ▲
Q3-2024 $1.732M ▼ $1.883M ▼ $19.072M ▲ $-45.624M ▼ $-24.669M ▼ $1.833M ▼
Q2-2024 $1.734M $3.055M $-5.412M $44.275M $41.918M $2.218M

Five-Year Company Overview

Income Statement

Income Statement Earnings have been relatively steady over the past five years, with modest revenue that doesn’t swing dramatically. Profitability is positive but not robust, and it looks like there was a soft patch in the recent past where earnings briefly dipped before recovering. The most recent year shows a clear rebound in profit per share compared with the prior year, although it still trails the earlier high point from a couple of years ago. Overall, the pattern suggests a conservative, slow‑growth bank that can earn money consistently but is still sensitive to shifts in rates, credit costs, or local economic conditions.

Balance Sheet

Balance Sheet The balance sheet looks conservative for a small regional bank. Total assets have stayed in a fairly tight range, hinting at cautious growth rather than aggressive expansion. Cash levels are reasonable for day‑to‑day needs but not excessive. Notably, there is essentially no financial debt, which reduces interest and refinancing risk and signals a reliance on deposits as the main funding source. Equity is solid relative to the size of the bank, though it has drifted slightly over time, consistent with a mature institution that is not rapidly building its capital base. Overall, the balance sheet points to a risk‑aware, traditional banking posture.

Cash Flow

Cash Flow Operating cash flow has been consistently positive, which is what you want to see from a bank whose business is primarily about collecting interest and fees. Free cash flow has generally been positive as well, with only a brief period of small outflows linked to higher investment spending. Capital spending needs appear modest and predictable, suggesting the bank can support its technology and branch investments without straining cash resources. The cash flow profile fits a stable, income‑generating institution rather than a capital‑hungry growth story.

Competitive Edge

Competitive Edge Auburn National operates as a classic community bank with a strong home‑field advantage. Its long history in East Alabama and leading local deposit share give it a loyal customer base and relatively low funding costs. Decisions are made locally, which can be attractive to small businesses and families that value relationships and personalized service over national scale. The flip side is concentration risk: the franchise is tightly tied to one regional economy and faces ongoing competition from larger banks and purely digital players. Still, within its core market, it appears to have a durable, relationship‑driven moat built on trust, service, and familiarity.

Innovation and R&D

Innovation and R&D The bank is not a cutting‑edge fintech player, but it is steadily upgrading its digital capabilities. Recent and planned moves include online account opening, a new system to make account setup faster and more seamless across channels, and a more modern mobile and online banking platform. These changes aim to protect the franchise by making the customer experience smoother without abandoning the community‑bank feel. A partnership with a financial literacy and youth debit platform also shows a willingness to test targeted, customer‑oriented innovations. The main risk is execution: as a smaller institution, it must roll out these upgrades effectively and keep up with rising digital expectations despite limited technology budgets.

Summary

Auburn National Bancorporation comes across as a conservative, relationship‑focused community bank with steady but modest earnings, a cautious balance sheet, and reliable cash generation. Its main strength is a deeply entrenched local franchise and long‑standing customer relationships, which provide a stable funding base and some protection from larger competitors. At the same time, its narrow geographic focus and historically slower pace of innovation leave it exposed if it cannot keep pace with digital banking trends or if the local economy weakens. The current strategy appears to be measured evolution: maintain the traditional community‑bank model while gradually strengthening digital channels and customer experience to stay relevant in a changing banking landscape.

NEWS

November 12, 2025 · 2:00 PM UTC

Auburn National Bancorporation, Inc. Declares Quarterly Dividend

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October 23, 2025 · 4:30 PM UTC

Auburn National Bancorporation, Inc. Reports Third Quarter Net Earnings

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October 6, 2025 · 4:30 PM UTC

Auburn National Bancorporation, Inc. Elects New Director

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