Auburn National Bancorporation Inc (AUBN) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Auburn National Bancorporation Inc stock (AUBN) is currently trading at $22.97. Auburn National Bancorporation Inc PE ratio is 12.49. Auburn National Bancorporation Inc PS ratio (Price-to-Sales) is 2.28. WallStSmart rates AUBN as Hold.
- AUBN PE ratio analysis and historical PE chart
- AUBN PS ratio (Price-to-Sales) history and trend
- AUBN intrinsic value — DCF, Graham Number, EPV models
- AUBN stock price prediction 2025 2026 2027 2028 2029 2030
- AUBN fair value vs current price
- AUBN insider transactions and insider buying
- Is AUBN undervalued or overvalued?
- Auburn National Bancorporation Inc financial analysis — revenue, earnings, cash flow
- AUBN Piotroski F-Score and Altman Z-Score
- AUBN analyst price target and Smart Rating
Auburn National Bancorporation Inc
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AUBN Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Auburn National Bancorporation Inc (AUBN)
AUBN trades at a significant discount to its Graham intrinsic value of $95.94, offering a 74% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Auburn National Bancorporation Inc (AUBN) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around market cap and peg ratio. Fundamentals are solid but monitor weak areas for improvement.
Auburn National Bancorporation Inc (AUBN) Key Strengths (4)
Keeps $33 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $22 of every $100 in revenue as net profit
Strong earnings growth at 28.60% per year
Supporting Valuation Data
Auburn National Bancorporation Inc (AUBN) Areas to Watch (6)
Very expensive relative to growth, significant premium
Very low institutional interest at 12.40%
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Revenue is fairly priced at 2.28x sales
Solid revenue growth at 11.50% per year
Auburn National Bancorporation Inc (AUBN) Detailed Analysis Report
Overall Assessment
This company scores 63/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.5/10) while 6 fall into concern territory (avg 3.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.82) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 32.90%, Profit Margin at 22.10%. Growth metrics are encouraging with EPS Growth at 28.60%.
The Bear Case
The primary concerns are PEG Ratio, Institutional Own., Market Cap. Some valuation metrics including PEG Ratio (3.33), Price/Sales (2.28) suggest expensive pricing. Growth concerns include Revenue Growth at 11.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.25%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.25% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 11.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (PEG Ratio, Institutional Own.). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
AUBN Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
AUBN's Price-to-Sales ratio of 2.28x sits near its historical average of 2.59x (0th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 15% below its historical high of 2.7x set in Mar 2026, and 0% above its historical low of 2.28x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~2.7x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Auburn National Bancorporation Inc (AUBN) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Auburn National Bancorporation Inc is a mature, profitable business with steady cash generation. Revenue reached 32M with 12% growth year-over-year. Profit margins are strong at 22.1%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 22.1% and operating margin of 32.9% demonstrate strong pricing power and operational efficiency.
Generating 3M in free cash flow and 4M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 4.2%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Auburn National Bancorporation Inc.
Bottom Line
Auburn National Bancorporation Inc is a well-established business delivering consistent profitability with 22.1% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Auburn National Bancorporation Inc(AUBN)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Auburn National Bancorporation, Inc. is the banking holding company for AuburnBank offering various banking products and services in East Alabama. The company is headquartered in Auburn, Alabama.