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Auburn Bancorp

ABBB
45
Banks - Regional · Financial Services
Winston Score
45
Winston is serious
Mixed quality — meaningful strengths and weaknesses.

Auburn Bancorp, Inc. is a small regional bank holding company based in the United States. It offers everyday banking services like checking and savings accounts, loans, and mortgages, mainly to individual customers and small businesses in its local communities. Regional banks like Auburn Bancorp compete by building close relationships with customers in areas that larger national banks may not serve as well.

The company makes money primarily through interest income — it takes in deposits and lends that money out at higher interest rates, keeping the difference as profit. With a market cap near zero and a very low return on invested capital of 0.4%, Auburn Bancorp is a very small institution with limited geographic reach. The main risk it faces is that rising funding costs or loan defaults could quickly squeeze its already thin operating margins, making profitability difficult to sustain.

Winston Score History

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+0.1% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-31.6% YoY

YoY Growth Rate

Earnings declining

Insider Activity

59.5%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$2M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Auburn Bancorp is growing revenue at 0% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin
58.9%
Premium pricing power — 58.9% gross margin
Operating Margin
6.0%
Modest — 6.0% operating margin
ROCE
0.3%
Weak — 0.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY
+0.7%
Nearly flat sales (0.7% YoY)
EPS YoY
+132.6%
Earnings growing fast (132.6% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion
0%
Weak — only 0% of profit becomes cash
FCF Margin
0.0%
Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity
2.92
Heavy debt load (2.92)
Interest Cover
0.16x
Dangerous — barely covers interest (0.2x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)
14.0x
no trend
Attractive valuation — P/E 14.0

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward
N/A
not available
Data not available

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Dividends

Not applicable for this business.
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