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Upturn AI SWOT - About
AUBN 
Auburn National Bancorporation Inc (AUBN)
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Upturn Advisory Summary
08/27/2025: AUBN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 4.08% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/27/2025 |
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 |
Upturn AI SWOT
Auburn National Bancorporation Inc
Company Overview
History and Background
Auburn National Bancorporation, Inc. was founded in 1907 as the Bank of Auburn. It has grown organically and through strategic acquisitions to serve communities in East Alabama. It has remained committed to its core banking principles, focusing on customer relationships and local community involvement.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including loans, deposit accounts, and cash management services to businesses.
- Retail Banking: Offers retail banking services such as checking and savings accounts, mortgages, and personal loans to individual customers.
- Wealth Management: Provides wealth management and trust services, including investment management, financial planning, and trust administration.
Leadership and Structure
Robert W. Dumas serves as the Chairman, President and CEO. The company operates with a traditional banking organizational structure, with various departments responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing to businesses for various purposes, including capital expenditures, working capital, and acquisitions. Competitors include other regional banks and national banking chains. Market share data is unavailable, but Auburn National focuses on local businesses.
- Mortgages: Offers mortgage loans to individuals for the purchase of residential properties. Competitors include national mortgage lenders, credit unions, and other regional banks. Market share data is unavailable, but Auburn National focuses on East Alabama.
- Deposit Accounts: Includes checking accounts, savings accounts, and certificates of deposit for both individuals and businesses. Competitors include other regional and national banks. Market share data is unavailable, but Auburn National focuses on building strong customer relationships.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and technological disruption. Community banks are competing with larger institutions and fintech companies.
Positioning
Auburn National Bancorporation is positioned as a community bank focused on serving the needs of East Alabama. Its competitive advantage lies in its local knowledge, customer relationships, and community involvement.
Total Addressable Market (TAM)
The total addressable market for banking services in East Alabama is estimated to be in the billions of dollars. Auburn National is positioned to capture a portion of this market through its local focus and customer service.
Upturn SWOT Analysis
Strengths
- Strong local brand reputation
- Experienced management team
- Strong customer relationships
- Conservative lending practices
- Solid capital base
Weaknesses
- Limited geographic footprint
- Reliance on traditional banking model
- Smaller scale compared to national banks
- Limited technological resources
- Lack of product diversity
Opportunities
- Expansion into new markets within Alabama
- Adoption of new technologies to improve efficiency
- Growth in wealth management services
- Increased demand for community banking services
- Strategic acquisitions of other community banks
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturn
- Increased regulatory scrutiny
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- SYN
- IBOC
- CBSS
Competitive Landscape
Auburn National competes with larger regional banks and smaller community banks. Its advantage lies in its local focus and customer relationships. However, it faces challenges from larger banks with greater resources.
Major Acquisitions
Cornerstone Bancorp
- Year: 2015
- Acquisition Price (USD millions): 14.6
- Strategic Rationale: Expanded Auburn National's presence in the Opelika, Alabama market.
Growth Trajectory and Initiatives
Historical Growth: Auburn National has experienced steady growth, primarily driven by organic expansion and strategic acquisitions.
Future Projections: Future growth is projected to be modest, driven by continued expansion in East Alabama and potential acquisitions. Analysts estimates are not readily available without live data access.
Recent Initiatives: Recent initiatives include investment in technology to improve customer service and expansion of wealth management services.
Summary
Auburn National Bancorporation is a well-established community bank with a strong presence in East Alabama. Its focus on customer relationships and local knowledge provides a competitive advantage. However, it faces challenges from larger banks and technological disruption. The company needs to continue investing in technology and exploring new markets to sustain growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Annual Reports
- SEC Filings
- Industry Reports
- FDIC Data
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is based on limited available information and may not be fully accurate. Financial figures may be estimates. Consult with a financial professional before making any investment decisions.
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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