NASDAQ
AUBN
Last Price
US $27.82
KEY FIGURES
MKT CAP
$100.9M
EPS
TTM
$2.27
PEG
TTM
0.63x
P/E
TTM
12.72x
P/S
TTM
3.08x
YIELD
3.74%
GROWTH
Revenue Y/Y
-0.47%
(FY vs FY)
EBITDA Y/Y
Cash Flow (DCF)
Fair Value
Market $27.82
114.49%
Default assumptions
EBITDA Multiple
Fair Value
Market $27.82
-2.34%
Default assumptions
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Auburn National Bancorporation, Inc. carries no debt; cash flow comfortably covers obligations.
Financial stability - Healthy cash flow growth.
Auburn National Bancorporation, Inc.'s free cash flow has increased 24.59% from $8.72M last year to $10.86M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Auburn National Bancorporation, Inc.'s debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial risk - Healthy debt to equity ratio development.
Auburn National Bancorporation, Inc. has insufficient data to evaluate this check.
Financial stability - Net debt/EBITDA.
Auburn National Bancorporation, Inc. has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Auburn National Bancorporation, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Auburn National Bancorporation, Inc.'s profit margin has increased (33.24%) in the last year from 15.16% to 20.19%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Auburn National Bancorporation, Inc.'s short-term liabilities of $922.93M exceed its short-term assets of $126.51M, signaling financial risk
Decreasing performance - ROA.
Auburn National Bancorporation, Inc.'s return on assets of 0.77% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Auburn National Bancorporation, Inc.'s return on equity of 8.78%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Auburn National Bancorporation, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Auburn National Bancorporation, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Auburn National Bancorporation, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Auburn National Bancorporation, Inc. has a free cash flow yield of 10.77%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Auburn National Bancorporation, Inc.'s yearly earnings has increased 13.41% since last year from $6.40M to $7.25M, signaling increasing performance
Decreasing performance - Healthy revenue growth.
Auburn National Bancorporation, Inc.'s yearly revenue has decreased -22.30% since last year from $42.21M to $32.79M, signaling decreasing performance
Decreasing performance - ROIC.
ROIC 0.77% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Decreasing performance - 3-year revenue CAGR.
Auburn National Bancorporation, Inc.'s 3-year revenue CAGR of -0.02% is negative, indicating declining revenue over the past 3 years
Decreasing performance - Revenue consistency.
Auburn National Bancorporation, Inc. had revenue growth in only 2.00 out of 5 years, indicating inconsistent revenue performance
Increasing performance - ROE consistency.
Auburn National Bancorporation, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Auburn National Bancorporation, Inc. is undervalued relative to its fair value price of 59.67 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Auburn National Bancorporation, Inc. has an earnings yield of 7.85%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Auburn National Bancorporation, Inc. is overvalued relative to its fair value price of 27.17 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Auburn National Bancorporation, Inc. has an EV/EBITDA ratio of 7.12x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Auburn National Bancorporation, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Auburn National Bancorporation, Inc. has a price-to-book ratio of 1.08x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Auburn National Bancorporation, Inc. has a price-to-sales ratio of 2.57x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
8.78%
Return on equity
ROIC: 0.77%
Valuation History
12.7X
Price to Earnings
EV/EBITDA: 7.1X
Cash flow
Profit margin
1.09%
(FY vs FY)
Cash flow Y/Y
51.24%
(FY vs FY)
Base valuations use default assumptions. Customize in the Valuator.