📊 AUBN Key Takeaways
Investment Thesis
Auburn National Bancorporation shows concerning revenue collapse (-98.5% YoY) despite net income growth, suggesting data anomalies or significant operational disruption that masks underlying business health. Strong cash generation and zero debt are positive, but the extreme margin ratios (Operating Margin: 1488%, Net Margin: 1172%) indicate unreliable metrics requiring investigation. The low interest coverage ratio (0.8x) and weak ROA (0.7%) suggest limited earnings quality despite reported profitability.
AUBN Strengths
- Zero long-term debt provides financial flexibility and stability
- Positive free cash flow of $10.9M demonstrates operational cash generation
- Moderate dividend-paying capacity with 147.8M cash reserves
AUBN Risks
- Extreme revenue decline of 98.5% YoY indicates potential data quality issues or severe business disruption
- Interest coverage ratio below 1.0x suggests insufficient earnings to service debt obligations
- Unusually high profit margins relative to banking sector norms question earnings sustainability and data reliability
- Low ROA of 0.7% indicates inefficient asset utilization despite reported profitability
Key Metrics to Watch
- Revenue trend - clarify the 98.5% decline and validate sustainability
- Interest coverage ratio recovery - monitor earnings relative to interest expenses
- Return on Assets - track efficiency of $1B asset base
- Loan portfolio quality and non-performing asset ratios
- Deposit stability and funding sources
AUBN Financial Metrics
💡 AI Analyst Insight
The 1,755.1% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
AUBN Profitability Ratios
AUBN vs Finance Sector
How AUBURN NATIONAL BANCORPORATION, INC compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
AUBN Balance Sheet & Liquidity
AUBN 5-Year Financial Trend
5-Year Trend Summary: AUBURN NATIONAL BANCORPORATION, INC's revenue has shown modest growth of 6% over the 5-year period. The most recent EPS of $1.83 reflects profitable operations.
AUBN Growth Metrics (YoY)
AUBN Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $154.0K | $1.7M | $0.50 |
| Q2 2025 | $152.0K | $1.7M | N/A |
| Q1 2025 | $155.0K | $1.4M | N/A |
| Q3 2024 | $148.0K | $1.5M | N/A |
| Q2 2024 | $153.0K | $1.7M | N/A |
| Q1 2024 | $154.0K | $1.4M | N/A |
| Q3 2023 | $148.0K | $1.5M | N/A |
| Q2 2023 | $146.0K | $1.8M | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
AUBN Capital Allocation
AUBN SEC Filings
Access official SEC EDGAR filings for AUBURN NATIONAL BANCORPORATION, INC (CIK: 0000750574)
📋 Recent SEC Filings
❓ Frequently Asked Questions about AUBN
What is the AI rating for AUBN?
AUBURN NATIONAL BANCORPORATION, INC (AUBN) has an AI rating of HOLD with 35% confidence, based on fundamental analysis of SEC EDGAR filings.
What are AUBN's key strengths?
Zero long-term debt provides financial flexibility and stability. Positive free cash flow of $10.9M demonstrates operational cash generation.
What are the risks of investing in AUBN?
Extreme revenue decline of 98.5% YoY indicates potential data quality issues or severe business disruption. Interest coverage ratio below 1.0x suggests insufficient earnings to service debt obligations.
What is AUBN's revenue and growth?
AUBURN NATIONAL BANCORPORATION, INC reported revenue of $619.0K.
Does AUBN pay dividends?
AUBURN NATIONAL BANCORPORATION, INC does not currently pay dividends.
Where can I find AUBN SEC filings?
Official SEC filings for AUBURN NATIONAL BANCORPORATION, INC (CIK: 0000750574) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is AUBN's EPS?
AUBURN NATIONAL BANCORPORATION, INC has a diluted EPS of $2.08.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.