Auburn National Bancorporation, Inc - Understand $aubn stock

$AUBN Market Cap: $80.26 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$463.0K

TTM

Gross Margin

Net Earnings

$852.0K

TTM

Current Assets

Current Liabilities

$4.083M

Q3 2024

Current Ratio

Total Assets

$990.1M

Q3 2024

Total Liabilities

$905.8M

Q3 2024

Book Value

$84.34M

Q3 2024

Cash

$89.83M

Q3 2024

P/E

94.20

Nov 29, 2024 EST

Free Cash Flow

$7.043M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Revenue	$603.0K	$598.0K	$26.51M	$28.19M	$30.25M	$749.0K	$746.0K		$27.15M	$26.82M	$27.46M	$29.07M	$30.71M	$33.47M	$36.83M
YoY Change	0.84%	-97.74%	-5.98%	-6.79%	3938.32%	0.4%			1.25%	-2.33%	-5.54%	-5.34%	-8.26%	-9.13%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2015	2014	2013	2012	2011	2010	2009
Revenue	$603.0K	$598.0K	$26.51M	$28.19M	$30.25M	$749.0K	$746.0K	$27.15M	$26.82M	$27.46M	$29.07M	$30.71M	$33.47M	$36.83M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.400M	$1.200M	$644.0K	$905.0K	$662.0K	$435.0K	$428.0K	$470.0K	$475.0K	$380.0K	$418.0K	$366.0K	$328.0K	$319.0K	$477.0K	$1.050M	$420.0K	$460.0K	$440.0K	$490.0K	$560.0K	$490.0K	$460.0K	$510.0K	$550.0K	$610.0K	$520.0K	$520.0K	$440.0K
YoY Change	16.67%	86.34%	-28.84%	36.71%	52.18%	1.64%	-8.94%	-1.05%	25.0%	-9.09%	14.21%	11.59%	2.82%	-33.12%	-54.57%	150.0%	-8.7%	4.55%	-10.2%	-12.5%	14.29%	6.52%	-9.8%	-7.27%	-9.84%	17.31%	0.0%	18.18%	-48.24%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2015	2014	2013	2012	2011	2010	2009
Interest Expense	$8.046M	$2.379M	$2.517M	$3.856M	$4.183M	$3.676M	$3.594M	$4.435M	$5.364M	$6.536M	$8.170M	$11.48M	$14.57M	$18.02M
YoY Change	238.21%	-5.48%	-34.73%	-7.82%	13.79%	2.28%		-17.32%	-17.93%	-20.0%	-28.84%	-21.22%	-19.12%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Pretax Income	$618.0K	$12.85M	$9.445M	$9.059M	$12.11M	$11.02M	$11.48M	$11.25M	$10.68M	$10.23M	$9.408M	$8.182M	$5.595M	$6.144M	$2.064M	$8.660M	$9.160M	$8.900M	$8.680M	$8.860M	$7.700M	$7.140M	$6.320M	$4.450M	$4.480M	$5.280M	$4.910M	$4.260M	$3.180M
YoY Change	-95.19%	36.04%	4.26%	-25.2%	9.89%	-4.02%	2.05%	5.38%	4.36%	8.76%	14.98%	46.24%	-8.94%	197.67%	-76.17%	-5.46%	2.92%	2.53%	-2.03%	15.06%	7.84%	12.97%	42.02%	-0.67%	-15.15%	7.54%	15.26%	33.96%	-1.24%
Income Tax	-$777.0K	$2.503M	$1.406M	$1.605M	$2.370M	$2.187M	$3.637M	$3.102M	$2.820M	$2.784M	$2.290M	$1.419M	$57.00K	$798.0K	-$340.0K	$2.020M	$2.240M	$2.310M	$2.210M	$2.350M	$2.280M	$2.090M	$1.880M	$1.430M	$1.560M	$1.840M	$1.830M	$1.510M	$1.090M
% Of Pretax Income	-125.73%	19.48%	14.89%	17.72%	19.57%	19.84%	31.67%	27.57%	26.41%	27.21%	24.34%	17.34%	1.02%	12.99%	-16.47%	23.33%	24.45%	25.96%	25.46%	26.52%	29.61%	29.27%	29.75%	32.13%	34.82%	34.85%	37.27%	35.45%	34.28%
Net Earnings	$1.395M	$10.35M	$8.039M	$7.454M	$9.741M	$8.834M	$7.846M	$8.150M	$7.858M	$7.448M	$7.118M	$6.763M	$5.538M	$5.346M	$2.404M	$6.640M	$6.920M	$6.590M	$6.470M	$6.510M	$5.420M	$5.060M	$4.580M	$3.020M	$2.920M	$3.440M	$3.080M	$2.750M	$2.090M
YoY Change	-86.52%	28.7%	7.85%	-23.48%	10.27%	12.59%	-3.73%	3.72%	5.5%	4.64%	5.25%	22.12%	3.59%	122.38%	-63.8%	-4.05%	5.01%	1.85%	-0.61%	20.11%	7.11%	10.48%	51.66%	3.42%	-15.12%	11.69%	12.0%	31.58%	-0.48%
Net Earnings / Revenue	231.34%	1730.1%	30.33%	26.44%	32.2%	1179.44%	1051.74%		28.94%	27.77%	25.92%	23.27%	18.04%	15.97%	6.53%
Basic Earnings Per Share	$0.40	$2.95	$2.27
Diluted Earnings Per Share	$0.40	$2.95	$2.265M	$2.087M	$2.721M	$2.426M	$2.157M	$2.239M	$2.159M	$2.047M	$1.956M	$1.857M	$1.522M	$1.470M	$659.3K	$1.809M	$1.860M	$1.743M	$1.689M	$1.682M	$1.390M	$1.301M	$1.171M	$770.4K	$744.9K	$877.6K	$785.7K	$703.3K	$535.9K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$46.02M	$47.16M	$42.40M	$23.00M	$15.50M	$13.60M	$13.80M	$12.60M	$11.90M	$10.80M	$10.40M	$10.50M	$9.300M	$8.100M	$8.300M	$7.800M	$6.400M	$5.800M	$3.700M	$4.000M	$4.300M	$4.700M	$4.800M	$4.700M	$5.000M	$5.200M	$5.300M	$5.300M	$5.600M
YoY Change	-2.42%	11.23%	84.35%	48.39%	13.97%	-1.45%	9.52%	5.88%	10.19%	3.85%	-0.95%	12.9%	14.81%	-2.41%	6.41%	21.88%	10.34%	56.76%	-7.5%	-6.98%	-8.51%	-2.08%	2.13%	-6.0%	-3.85%	-1.89%	0.0%	-5.36%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$10.25M	$13.77M	$400.0K	-$1.500M	$0.00	$1.800M	$800.0K	$1.300M	$200.0K	$500.0K	$5.400M
YoY Change	-25.54%	3342.25%	-126.67%		-100.0%	125.0%	-38.46%	550.0%	-60.0%	-90.74%
Total Long-Term Assets
YoY Change
Total Assets	$975.3M	$1.024B	$1.105B	$956.6M	$827.9M	$818.1M	$853.4M	$831.9M	$817.2M	$789.2M	$751.3M	$759.8M	$776.2M	$763.8M	$773.4M	$746.0M	$688.7M	$635.1M	$608.2M	$591.2M	$590.1M	$505.0M	$473.0M	$404.7M	$377.5M	$307.9M	$264.0M	$258.1M	$222.2M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$1.019M	$2.959M	$3.700M	$6.700M	$4.300M	$2.500M	$2.900M	$4.000M	$3.400M	$3.100M	$2.400M	$3.000M	$3.100M	$4.300M	$3.500M	$3.700M	$3.400M	$2.300M	$2.100M	$4.300M	$3.400M	$4.800M	$3.800M	$4.100M	$1.600M	$1.500M	$1.500M	$1.400M	$1.400M
YoY Change	-65.56%	-20.03%	-44.78%	55.81%	72.0%	-13.79%	-27.5%	17.65%	9.68%	29.17%	-20.0%	-3.23%	-27.91%	22.86%	-5.41%	8.82%	47.83%	9.52%	-51.16%	26.47%	-29.17%	26.32%	-7.32%	156.25%	6.67%	0.0%	7.14%	0.0%
Deferred Revenue
YoY Change
Short-Term Debt	$1.486M	$2.551M	$3.400M	$2.400M	$1.100M	$2.300M	$2.700M	$3.400M	$3.000M	$4.700M	$3.400M	$17.70M	$17.80M	$17.70M	$41.00M	$35.90M	$49.20M	$14.40M	$8.900M	$14.80M	$13.90M	$12.00M	$10.10M	$4.400M	$5.900M	$12.90M	$1.300M	$4.700M	$7.000M
YoY Change	-41.75%	-24.97%	41.67%	118.18%	-52.17%	-14.81%	-20.59%	13.33%	-36.17%	38.24%	-80.79%	-0.56%	0.56%	-56.83%	14.21%	-27.03%	241.67%	61.8%	-39.86%	6.47%	15.83%	18.81%	129.55%	-25.42%	-54.26%	892.31%	-72.34%	-32.86%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$2.505M	$2.959M	$3.700M	$6.700M	$4.300M	$2.500M	$2.900M	$4.000M	$3.400M	$3.100M	$2.400M	$3.000M	$3.100M	$4.300M	$3.500M	$3.700M	$3.400M	$2.300M	$2.100M	$4.300M	$3.400M	$4.800M	$3.800M	$4.100M	$1.600M	$1.500M	$1.500M	$1.400M	$1.400M
YoY Change	-15.34%	-20.03%	-44.78%	55.81%	72.0%	-13.79%	-27.5%	17.65%	9.68%	29.17%	-20.0%	-3.23%	-27.91%	22.86%	-5.41%	8.82%	47.83%	9.52%	-51.16%	26.47%	-29.17%	26.32%	-7.32%	156.25%	6.67%	0.0%	7.14%	0.0%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$3.200M	$3.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$1.200M	$500.0K
YoY Change						-100.0%	0.0%	-55.56%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%										-100.0%	140.0%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$3.200M	$3.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$7.200M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$1.200M	$500.0K
YoY Change						-100.0%	0.0%	-55.56%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%										-100.0%	140.0%
Total Liabilities	$898.7M	$955.8M	$1.001B	$848.9M	$729.6M	$729.0M	$766.5M	$749.8M	$737.2M	$713.4M	$686.9M	$689.7M	$710.8M	$707.5M	$717.2M	$688.8M	$635.6M	$586.7M	$564.2M	$546.7M	$549.7M	$465.4M	$437.2M	$372.9M	$349.1M	$278.9M	$238.0M	$235.0M	$200.9M
YoY Change	-5.97%	-4.55%	17.96%	16.35%	0.08%	-4.89%	2.23%	1.71%	3.34%	3.86%	-0.41%	-2.97%	0.47%	-1.35%	4.12%	8.37%	8.33%	3.99%	3.2%	-0.55%	18.11%	6.45%	17.24%	6.82%	25.17%	17.18%	1.28%	16.97%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021
Basic Shares Outstanding	3.498M shares	3.511M shares	3.545M shares
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $80.259 Million

About AUBURN NATIONAL BANCORPORATION, INC

Auburn National Bancorporation, Inc. is a bank holding company. The company is headquartered in Auburn, Alabama and currently employs 149 full-time employees. The Company’s business is conducted primarily through AuburnBank (the Bank) and its subsidiaries. The Bank offers checking, savings, transaction deposit accounts and certificates of deposit, and is an active residential mortgage lender in its primary service area. The Bank’s primary service area includes the cities of Auburn and Opelika, Alabama and nearby surrounding areas in East Alabama, primarily in Lee County. The Bank also offers commercial, financial, agricultural, real estate construction and consumer loan products and other financial services. The Bank also provides automated teller machine (ATM) services in East Alabama and operates ATMs in 12 locations in its primary service area. The Bank’s Visa Check cards can be used internationally through the Plus network. The Bank offers online banking, bill payment and other electronic banking services through its Internet Website, www.auburnbank.com.

Industry: State Commercial Banks Peers: CITIZENS HOLDING CO /MS/ F&M BANK CORP PNC FINANCIAL SERVICES GROUP, INC. Prime Meridian Holding Co SECURITY FEDERAL CORP