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Upturn AI SWOT - About
AUBN 
Auburn National Bancorporation Inc (AUBN)
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Upturn Advisory Summary
06/30/2025: AUBN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $
1 Year Target Price $
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.12% | Avg. Invested days 23 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 88.32M USD | Price to earnings Ratio 13.45 | 1Y Target Price - |
Price to earnings Ratio 13.45 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.34 | 52 Weeks Range 15.93 - 25.40 | Updated Date 06/29/2025 |
52 Weeks Range 15.93 - 25.40 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 4.25% | Basic EPS (TTM) 1.88 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.04% | Operating Margin (TTM) 24.64% |
Management Effectiveness
Return on Assets (TTM) 0.66% | Return on Equity (TTM) 8.32% |
Valuation
Trailing PE 13.45 | Forward PE - | Enterprise Value -30335290 | Price to Sales(TTM) 2.83 |
Enterprise Value -30335290 | Price to Sales(TTM) 2.83 | ||
Enterprise Value to Revenue 2.88 | Enterprise Value to EBITDA - | Shares Outstanding 3493700 | Shares Floating 2217765 |
Shares Outstanding 3493700 | Shares Floating 2217765 | ||
Percent Insiders 36.39 | Percent Institutions 10.02 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Auburn National Bancorporation Inc
Company Overview
History and Background
Auburn National Bancorporation, Inc. was founded in 1907. It operates as a bank holding company for AuburnBank, providing various banking products and services to individuals and businesses primarily in east central Alabama. Over time, it has grown through organic expansion and strategic acquisitions to become a prominent community bank in the region.
Core Business Areas
- Commercial Banking: Provides commercial lending, deposit services, and treasury management solutions to businesses.
- Retail Banking: Offers checking and savings accounts, mortgages, consumer loans, and other personal banking services to individuals.
- Wealth Management: Provides trust and investment management services to individuals and institutions.
Leadership and Structure
The company is led by a board of directors and a senior management team. Robert W. Dumas serves as the Chairman, President and CEO. The organizational structure includes various departments responsible for lending, operations, finance, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses, real estate, and equipment. Market share data is specific to the east central Alabama region, where AuburnBank competes with regional and national banks. The market is competitive, with Regions Bank, Wells Fargo and smaller community banks present.
- Residential Mortgages: Offer mortgage products for home purchases and refinancing. Competition includes national lenders and local credit unions.
- Deposit Accounts: Provide checking, savings, and money market accounts for consumers and businesses. Competitors include national banks and online banking platforms.
Market Dynamics
Industry Overview
The banking industry is influenced by interest rates, regulatory changes, and economic conditions. Community banks like Auburn National Bancorporation face competition from larger national banks and fintech companies.
Positioning
Auburn National Bancorporation is positioned as a community bank focused on providing personalized service and local expertise. Its competitive advantage lies in its strong relationships with customers in east central Alabama.
Total Addressable Market (TAM)
The TAM is the overall banking market in east central Alabama. Auburn National Bancorporation is positioned to capture a segment of this market through its community focus and local presence.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Solid financial performance
Weaknesses
- Limited geographic reach
- Reliance on local economy
- Smaller scale compared to national banks
- Lower brand awareness compared to large banks.
Opportunities
- Expansion into adjacent markets
- Increased demand for local banking services
- Adoption of new technologies
- Strategic acquisitions of smaller banks.
Threats
- Increased competition from national banks and fintech companies
- Economic downturn in the region
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- Regions Financial Corporation (RF)
- Synovus Financial Corp. (SNV)
- Wells Fargo & Company (WFC)
Competitive Landscape
Auburn National Bancorporation competes with larger regional and national banks. Its advantage lies in its local presence and personalized service, but it faces challenges due to its smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion, loan growth, and fee income. Growth rates vary depending on economic conditions and competitive pressures.
Future Projections: Analyst projections would be based on economic forecasts, industry trends, and company-specific factors. Growth is expected to be steady but moderate.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new markets, and efforts to enhance customer service.
Summary
Auburn National Bancorporation is a stable community bank with a strong local presence and a solid history. While it faces competition from larger banks and fintech companies, its personalized service and local expertise provide a competitive advantage. The company's growth is expected to be moderate, driven by organic expansion and strategic initiatives. An economic downturn in the region or rising interest rates could pose challenges.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Auburn National Bancorporation Inc
Exchange NASDAQ | Headquaters Auburn, AL, United States | ||
IPO Launch date 1995-07-24 | President, CEO & Director Mr. David A. Hedges CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 145 | Website https://www.auburnbank.com |
Full time employees 145 | Website https://www.auburnbank.com | ||
Auburn National Bancorporation, Inc. operates as the bank holding company for AuburnBank that provides various banking products and services in East Alabama. It offers checking, savings, and transaction deposit accounts, as well as certificates of deposit. The company also provides commercial, financial, agricultural, real estate construction, and consumer loan products; and other financial services. In addition, it offers automated teller services; debit cards; online banking, bill payment, and other electronic banking services; and safe deposit boxes. Auburn National Bancorporation, Inc. was founded in 1907 and is headquartered in Auburn, Alabama.
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