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Upturn AI SWOT - About
AUBN 
Auburn National Bancorporation Inc (AUBN)
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Upturn Advisory Summary
09/17/2025: 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 6.48% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/17/2025 |
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 in Auburn, Alabama. It has grown from a local bank into a regional financial institution, primarily serving East Alabama. The bank has focused on community banking principles and steady growth.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking services, including loans, lines of credit, and deposit accounts for businesses of all sizes.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, personal loans, and credit cards.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure includes various departments focused on lending, operations, finance, and wealth management. A board of directors provides oversight and strategic direction.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans comprise a significant portion of the bank's lending portfolio, serving businesses in East Alabama. Market share data is not publicly available but the bank competes with larger national banks and smaller community banks. Competitors include Wells Fargo, Bank of America, and other regional banks.
- Mortgage Loans: Mortgage loans are offered to individuals seeking to purchase or refinance residential properties. Market share data is not publicly available but the bank competes with larger national banks and smaller community banks. Competitors include Wells Fargo, Bank of America, and other regional banks.
- Deposit Accounts: The bank offers a range of deposit accounts, including checking, savings, and money market accounts. Market share data is not publicly available but the bank competes with larger national banks and smaller community banks. Competitors include Wells Fargo, Bank of America, and other regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Community banks are focusing on customer relationships and local market knowledge to maintain their competitive edge.
Positioning
Auburn National Bancorporation is positioned as a community-focused bank with a strong local presence and a commitment to personalized service. Its competitive advantages include its deep understanding of the East Alabama market and its ability to offer tailored financial solutions.
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 Bancorporation is positioned to capture a portion of this market through its strong local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence in East Alabama
- Customer-focused approach
- Experienced management team
- Conservative lending practices
- Strong capital base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger national banks
- Dependence on local economy
- Limited product offerings compared to larger banks
Opportunities
- Expansion into new markets within Alabama
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Strategic acquisitions of smaller community banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Alabama
- Rising interest rates
- Increased regulatory scrutiny
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- WF
- BAC
- PNC
- Regions Financial Corporation (RF)
Competitive Landscape
Auburn National Bancorporation competes with larger national banks and smaller community banks. Its advantages include its local market knowledge and personalized service. Its disadvantages include its smaller scale and limited geographic diversification.
Growth Trajectory and Initiatives
Historical Growth: Auburn National Bancorporation has experienced steady growth over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates project continued growth for Auburn National Bancorporation, driven by its strong local presence and commitment to customer service.
Recent Initiatives: Recent strategic initiatives include investments in digital banking technologies and expansion of wealth management services.
Summary
Auburn National Bancorporation is a community-focused bank with a strong local presence in East Alabama. Its strengths include its customer-focused approach and experienced management team. It needs to diversify its geography and be aware of competition and economic conditions in Alabama. The financial condition of the company is not available for further analysis.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (limited availability)
- Industry Reports
- Analyst Reports (limited availability)
Disclaimers:
This analysis is based on publicly available information and limited financial data. The AI-based rating is an estimate and should not be considered financial 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 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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