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Auburn National Bancorporation (AUBN)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
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Auburn National Bancorporation Financial Ratios 2025-2008 | AUBN
Brief overview of Auburn National Bancorporation's market valuation
Current figures are compared with the company's own five-year history for 2021–2025.
The valuation comparison uses P/E 11.37x (median 12.89x), P/B 0.9x (median 1.05x), P/CF 6.68x (median 7.54x). The combined ratio level is close to the company's five-year norm at a -11.8% deviation. No clear premium or discount is visible.
Earnings yield calculated as 1/P/E is about 8.8%, showing current profit per unit of share price.
Returns on assets and capital are represented by ROE 7.9%, ROA 0.7%. Low capital returns limit the ability to compound value internally.
The PEG ratio is 1.73x; investors pay a high price per unit of expected growth.
High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.
What the ratios show
Auburn National Bancorporation's market valuation is near its own historical norm, while quality ratios provide no extreme signal.
Annual Financial Ratios Auburn National Bancorporation
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
11.4 | 12.9 | 48.3 | 8.0 | 14.7 | 18.3 | 21.9 | 13.8 | 17.5 | 14.5 | 12.6 | 11.6 | 12.9 | 11.3 | 12.8 | 13.9 | 39.5 | - |
P/S |
133.3 | 134.3 | 111.7 | 138.4 | 208.4 | 4.6 | 7.2 | 4.2 | 4.9 | 4.5 | 3.6 | 3.4 | 3.4 | 2.4 | 2.4 | - | - | - |
EPS |
2.1 | 1.8 | 0.4 | 3.0 | 2.3 | 2.1 | 2.7 | 2.4 | 2.1 | 2.2 | 2.2 | 2.0 | 1.9 | 1.9 | 1.5 | 1.5 | 0.7 | - |
EV (Enterprise Value) |
861 M | 888 M | 895 M | 1.01 B | 963 M | 873 M | 943 M | 851 M | 903 M | 868 M | 836 M | 800 M | 779 M | 747 M | 769 M | 770 M | 95 M | 88.2 M |
EBITDA per Share |
0.6 | 0.55 | 0.49 | 0.44 | 0.35 | 0.47 | - | - | - | - | - | - | - | - | - | 0.15 | 0.12 | - |
EV/EBITDA |
407.7 | 459.5 | 526.3 | 661.9 | 899.1 | - | - | - | - | - | - | - | - | - | - | 1330.6 | 199.1 | - |
PEG |
1.73 | - | - | - | - | -0.81 | 1.77 | 1.12 | -4.51 | 3.91 | 2.14 | 2.51 | 2.67 | 0.51 | 3.77 | - | - | - |
P/B |
0.9 | 1.1 | 0.9 | 1.2 | 1.1 | 1.3 | 2.2 | 1.4 | 1.6 | 1.4 | 1.2 | 1.1 | 1.4 | 1.1 | 1.1 | 1.3 | - | - |
P/CF |
6.7 | 7.6 | 5.7 | 7.5 | 9.6 | 14.0 | 23.6 | 10.3 | 17.6 | 12.7 | 10.6 | 8.8 | 6.9 | 5.7 | 5.7 | 6.3 | 22.0 | - |
ROE % |
7.88 | 8.17 | 1.82 | 15.21 | 7.75 | 6.92 | 9.91 | 9.92 | 9.03 | 9.92 | 9.83 | 9.83 | 11.04 | 9.64 | 8.47 | 9.48 | 4.28 | - |
ROA % |
0.71 | 0.65 | 0.14 | 1.01 | 0.73 | 0.78 | 1.18 | 1.08 | 0.92 | 0.98 | 0.96 | 0.94 | 0.95 | 0.89 | 0.71 | 0.70 | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | 0.4 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.4 | 0.4 | 1.1 | - | - |
All numbers in USD currency
Quarterly Financial Ratios Auburn National Bancorporation
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
0.52 | 0.63 | - | 0.64 | 0.52 | 0.44 | - | 0.5 | 0.5 | 0.39 | - | 0.43 | 0.55 | 0.56 | - | 0.57 | 0.51 | 0.59 | - | 0.53 | 0.65 | 0.56 | - | 0.54 | 0.47 | 0.5 | - | 0.62 | 0.64 | 0.7 | - | 0.54 | 0.62 | 0.6 | - | 0.59 | 0.55 | 0.52 | - | 0.54 | 0.53 | 0.6 | - | 0.52 | 0.59 | 0.51 | - | 0.51 | 0.51 | 0.5 | - | 0.49 | 0.52 | 0.46 | - | 0.44 | 0.56 | 0.4 | - | 0.38 | 0.4 | 0.43 |
EBITDA per Share |
- | 0.16 | - | - | - | 0.15 | - | - | - | 0.12 | - | - | - | 0.12 | - | 0.31 | - | 0.07 | - | 0.27 | - | 0.08 | - | - | - | 0.13 | - | 0.2 | 0.13 | 0.06 | - | 0.2 | 0.13 | 0.06 | - | 0.2 | 0.14 | 0.07 | - | 0.22 | 0.14 | 0.06 | - | 0.22 | 0.14 | 0.06 | - | 0.14 | 0.09 | 0.05 | - | 0.16 | 0.11 | 0.06 | - | 0.15 | 0.1 | 0.05 | - | 0.13 | 0.08 | 0.04 |
ROE % |
9.32 | 8.82 | 6.46 | 8.51 | 8.33 | 8.04 | 6.20 | 8.62 | 9.28 | 9.65 | 7.80 | 11.15 | 11.09 | 10.78 | 8.12 | 9.90 | 8.72 | 8.29 | 5.88 | 7.68 | 7.43 | 7.01 | 5.08 | 7.32 | 7.87 | 8.92 | 7.18 | 9.39 | 9.69 | 9.81 | 7.22 | 9.68 | 9.76 | 9.39 | 6.93 | 9.30 | 9.19 | 9.56 | 7.39 | 9.78 | 10.09 | 10.07 | 7.41 | 9.88 | 9.94 | 9.65 | 7.32 | 10.10 | 10.59 | 10.76 | 8.36 | 10.65 | 10.76 | 9.89 | 7.27 | 9.36 | 9.30 | 8.77 | 6.68 | 2.09 | 2.23 | 2.37 |
ROA % |
0.79 | 0.77 | 0.55 | 0.73 | 0.68 | 0.64 | 0.48 | 0.63 | 0.64 | 0.67 | 0.53 | 0.72 | 0.76 | 0.75 | 0.56 | 0.78 | 0.58 | 0.79 | 0.60 | 0.80 | 0.80 | 0.79 | 0.59 | 0.85 | 0.93 | 1.06 | 0.85 | 1.09 | 1.10 | 1.09 | 0.79 | 1.04 | 1.03 | 0.97 | 0.71 | 0.94 | 0.92 | 0.95 | 0.73 | 0.96 | 0.99 | 0.99 | 0.72 | 0.96 | 0.96 | 0.93 | 0.70 | 0.94 | 0.96 | 0.95 | 0.72 | 0.93 | 0.96 | 0.90 | 0.67 | 0.85 | 0.82 | 0.76 | 0.56 | 0.18 | 0.19 | 0.20 |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | 1.1 | - | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
All numbers in USD currency
Multiples are an important financial analysis tool for the company Auburn National Bancorporation, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.