Auburn National Bancorporation

AUBN

Banks - Regional · Financial Services

Price

$26.60

+0.05 (+0.19%)

Market Cap

$92.9M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−1.4% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 3.5M (2021) → 3.5M (2025)

Auburn National Bancorporation is a small community bank holding company based in Auburn, Alabama. It operates through its subsidiary, AuburnBank, which offers everyday banking services like checking and savings accounts, loans, and mortgages to individuals and small businesses in eastern Alabama.

The company makes money primarily from the difference between the interest it charges on loans and the interest it pays on deposits, known as net interest income. It operates entirely in a small geographic area around Lee County, Alabama, giving it deep local roots but very limited scale compared to regional or national banks. Its main competitive advantage is community relationships and local focus, but its small size also represents its biggest risk — rising interest rates, loan losses, or economic weakness in its narrow market could have an outsized impact on its financial results.

Winston Score History

Score breakdown

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Quality

Gross Margin

100.9%

Premium pricing power — 100.9% gross margin

Operating Margin

32.5%

Excellent — 32.5% operating margin

ROCE

3.0%

Weak — 3.0% 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

-8.1%

Shrinking sales (-8.1% YoY)

EPS YoY

+20.1%

Earnings growing fast (20.1% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

156%

Turns 156% of profit into real cash

FCF Margin

27.7%

Converts sales into free cash efficiently (27.7%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.01

Conservative — low debt load (0.01)

Interest Cover

1.22x

Dangerous — barely covers interest (1.2x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

11.7x

Attractive valuation — P/E 11.7

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

Dividend Yield

3.91%

Moderate income — 3.91% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+0.0%

Dividend flat

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