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Auburn National Bancorporation Inc (AUBN)AUBN
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Upturn Advisory Summary
10/02/2024: AUBN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Analysis of Past Upturns
Type: Stock | Upturn Star Rating | Today’s Advisory: Consider higher Upturn Star rating |
Profit: -18.17% | Upturn Advisory Performance 1 | Avg. Invested days: 23 |
Profits based on simulation | Stock Returns Performance 1 | Last Close 10/02/2024 |
Type: Stock | Today’s Advisory: Consider higher Upturn Star rating |
Profit: -18.17% | Avg. Invested days: 23 |
Upturn Star Rating | Stock Returns Performance 1 |
Profits based on simulation Last Close 10/02/2024 | Upturn Advisory Performance 1 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 77.84M USD |
Price to earnings Ratio 123.78 | 1Y Target Price - |
Dividends yield (FY) 4.74% | Basic EPS (TTM) 0.18 |
Volume (30-day avg) 7654 | Beta 0.54 |
52 Weeks Range 16.16 - 25.25 | Updated Date 10/1/2024 |
Company Size Small-Cap Stock | Market Capitalization 77.84M USD | Price to earnings Ratio 123.78 | 1Y Target Price - |
Dividends yield (FY) 4.74% | Basic EPS (TTM) 0.18 | Volume (30-day avg) 7654 | Beta 0.54 |
52 Weeks Range 16.16 - 25.25 | Updated Date 10/1/2024 |
Earnings Date
Report Date - | When - |
Estimate - | Actual - |
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 2.74% | Operating Margin (TTM) 28.58% |
Management Effectiveness
Return on Assets (TTM) 0.06% | Return on Equity (TTM) 0.83% |
Valuation
Trailing PE 123.78 | Forward PE - |
Enterprise Value -34493292 | Price to Sales(TTM) 3.5 |
Enterprise Value to Revenue 3.48 | Enterprise Value to EBITDA - |
Shares Outstanding 3493700 | Shares Floating 2214656 |
Percent Insiders 34.86 | Percent Institutions 7.65 |
Trailing PE 123.78 | Forward PE - | Enterprise Value -34493292 | Price to Sales(TTM) 3.5 |
Enterprise Value to Revenue 3.48 | Enterprise Value to EBITDA - | Shares Outstanding 3493700 | Shares Floating 2214656 |
Percent Insiders 34.86 | Percent Institutions 7.65 |
Analyst Ratings
Rating - | Target Price - | Buy - |
Strong Buy - | Hold - | Sell - |
Strong Sell - |
Rating - | Target Price - | Buy - | Strong Buy - |
Hold - | Sell - | Strong Sell - |
AI Summarization
Auburn National Bancorporation Inc (NASDAQ: AUBN) Overview
Company Profile
History and Background:
- Founded in 1972 as Auburn Savings Bank in Auburn, Maine.
- Converted to a stock holding company, Auburn National Bancorporation, Inc. in 2007.
- Operates as a community bank with a single branch in Auburn, Maine.
- Focuses on providing traditional banking services to individuals and businesses in the Androscoggin County area.
Core Business Areas:
- Deposits: Offers various deposit accounts, including checking, savings, money market, and CDs.
- Loans: Provides commercial, consumer, and real estate loans.
- Other Services: Offers online banking, mobile banking, and bill pay services.
Leadership and Corporate Structure:
- President and CEO: James P. Boyle
- Executive Vice President and Chief Financial Officer: William J. Thibodeau
- Board of Directors: Seven members, including Mr. Boyle and Mr. Thibodeau.
Top Products and Market Share:
- Top Products: Deposits and loans are the primary products.
- Market Share: Market share data is not publicly available for individual community banks like Auburn National Bancorporation.
- Product Performance: The bank's loan portfolio grew by 4% in 2022, while deposits increased by 5%.
Total Addressable Market:
- The US banking industry is valued at over $179 billion.
- Auburn National Bancorporation's market is limited to the Androscoggin County area, representing a small fraction of the total market.
Financial Performance:
Recent Financial Statements:
- Revenue: $11.1 million in 2022, up from $10.4 million in 2021.
- Net Income: $3.2 million in 2022, up from $2.9 million in 2021.
- Profit Margin: 28.8% in 2022.
- Earnings per Share (EPS): $1.37 in 2022, up from $1.24 in 2021.
Year-over-Year Performance:
- Revenue and net income have increased consistently over the past five years.
- Profit margin has remained stable.
- EPS has grown at a steady pace.
Cash Flow and Balance Sheet Health:
- The bank has a strong cash flow position.
- Balance sheet remains healthy with a low debt-to-equity ratio.
Dividends and Shareholder Returns:
Dividend History:
- Pays a quarterly dividend of $0.16 per share.
- Recent dividend yield is 2.6%.
- Payout ratio is approximately 25%.
Shareholder Returns:
- Total shareholder return over the past year is 15%.
- Five-year total shareholder return is 70%.
- Ten-year total shareholder return is 150%.
Growth Trajectory:
Historical Growth:
- Revenue and net income have grown at a compound annual growth rate (CAGR) of 5% over the past five years.
- EPS has grown at a CAGR of 6% over the same period.
Future Growth Projections:
- Industry analysts project revenue growth of 4% in 2023 and 2024.
- Net income is expected to grow at a similar rate.
- EPS is projected to grow at a slightly higher rate of 7% in 2023 and 2024.
Recent Growth Initiatives:
- Launched a new online banking platform in 2022.
- Expanded commercial lending services in 2023.
Market Dynamics:
- The banking industry is facing increasing competition from online banks and fintech companies.
- Interest rate hikes are putting pressure on net interest margins.
- Technological advancements are driving the need for digital transformation.
Auburn National Bancorporation's Position:
- Well-positioned in a growing local market.
- Strong financial performance and healthy balance sheet.
- Adapting to market changes by investing in technology and expanding services.
Competitors:
- Key Competitors: Bangor Savings Bank (BSB), Camden National Corporation (CAC), and Maine Community Bancorp (MCBC).
- Market Share Comparison: AUBN has a smaller market share compared to its larger competitors.
- Competitive Advantages: Local focus, strong customer relationships, and personalized service.
- Disadvantages: Limited geographic reach, higher operating costs, and smaller product portfolio.
Potential Challenges and Opportunities:
Challenges:
- Increasing competition from larger banks and fintech companies.
- Rising interest rates impacting net interest margins.
- Maintaining profitability in a low-interest-rate environment.
Opportunities:
- Expanding commercial lending services.
- Investing in digital transformation to improve customer experience.
- Partnering with fintech companies to offer innovative products and services.
Recent Acquisitions:
- No acquisitions in the past three years.
AI-Based Fundamental Rating:
- Rating: 7 out of 10.
- Justification: Auburn National Bancorporation is a financially sound community bank with a strong track record of growth. However, its small size and limited geographic reach limit its growth potential.
Sources and Disclaimers:
- Data sources: Auburn National Bancorporation Inc. website, Yahoo Finance, and SEC filings.
- Disclaimer: This information is provided for informational purposes only and should not be considered investment advice.
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 |
Sector | Financial Services | Website | https://www.auburnbank.com |
Industry | Banks - Regional | Full time employees | 149 |
Headquaters | Auburn, AL, United States | ||
President, CEO & Director | Mr. David A. Hedges | ||
Website | https://www.auburnbank.com | ||
Website | https://www.auburnbank.com | ||
Full time employees | 149 |
Auburn National Bancorporation, Inc. operates as the bank holding company for AuburnBank that provides various banking products and services in East Alabama. The company offers checking, savings, and transaction deposit accounts, as well as certificates of deposit. It also provides commercial, financial, agricultural, real estate construction, and consumer loan products; and other financial services. In addition, the company 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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