Auburn National Financials
This page shows Auburn National (AUBN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Stable cash generation on a highly leveraged balance sheet is rebuilding liquidity faster than reported earnings alone imply.
Operating cash flow stayed around$12M even when net income fell to$1.4M , which suggests the earnings trough did not reflect an equally deep drop in core cash generation. Meanwhile, cash balances rose to$147.8M as debt-to-equity eased to 10.1x, leaving the business more liquid while still relying on a leverage-heavy funding structure.
The profit recovery looks like better earnings on roughly the same asset base, not simple balance-sheet expansion: return on assets improved to
This appears to be a low physical-capital model in the reported data: capital spending was only
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Auburn National's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Auburn National's revenue grew a modest 0.8% year-over-year to $619K. This slow but positive growth earns a score of 36/100.
Auburn National has elevated debt relative to equity (D/E of 10.07), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Auburn National converts 1755.1% of revenue into free cash flow ($10.9M). This strong cash generation earns a score of 100/100.
Auburn National generates a 7.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 26/100. This is down from 8.2% the prior year.
Auburn National passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Auburn National generates $1.70 in operating cash flow ($12.3M OCF vs $7.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Auburn National generated $619K in revenue in fiscal year 2025. This represents an increase of 0.8% from the prior year.
Auburn National reported $7.3M in net income in fiscal year 2025. This represents an increase of 13.4% from the prior year.
Auburn National earned $2.08 per diluted share (EPS) in fiscal year 2025. This represents an increase of 13.7% from the prior year.
Cash & Balance Sheet
Auburn National generated $10.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 24.6% from the prior year.
Auburn National held $147.8M in cash against $0 in long-term debt as of fiscal year 2025.
Auburn National paid $1.08 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.
Auburn National had 3M shares outstanding in fiscal year 2025. This represents an increase of 0.0% from the prior year.
Margins & Returns
Auburn National's net profit margin was 1172.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 130.2 percentage points from the prior year.
Auburn National's ROE was 7.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the prior year.
Capital Allocation
Auburn National invested $1.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 28.9% from the prior year.
AUBN Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $153K-3.2% | $158K+2.6% | $154K+1.3% | $152K-1.9% | $155K+2.6% | $151K-1.9% | $154K+0.7% | $153K |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $3.4M+5.0% | $3.2M-4.9% | $3.4M+3.6% | $3.3M-1.6% | $3.3M+4.3% | $3.2M+0.9% | $3.1M+0.3% | $3.1M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $2.6M-1.6% | $2.7M-6.0% | $2.8M+2.6% | $2.8M-1.7% | $2.8M-5.9% | $3.0M-5.6% | $3.2M+10.2% | $2.9M |
| Income Tax | $603K+32.2% | $456K-26.8% | $623K+28.5% | $485K+23.7% | $392K-52.8% | $830K+56.3% | $531K+11.8% | $475K |
| Net Income | $2.2M+32.0% | $1.7M-25.2% | $2.2M+21.5% | $1.8M+19.8% | $1.5M-1.9% | $1.6M-9.9% | $1.7M-0.1% | $1.7M |
| EPS (Diluted) | $0.63 | N/A | $0.64 | N/A | $0.44 | N/A | $0.50 | N/A |
AUBN Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.0B+0.8% | $1.0B+0.8% | $1.0B-1.8% | $1.0B+3.3% | $996.8M+2.0% | $977.3M-1.3% | $990.1M-3.4% | $1.0B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $146.2M-1.1% | $147.8M+3.4% | $142.9M-6.1% | $152.2M+28.2% | $118.7M+27.1% | $93.4M+3.9% | $89.8M-21.5% | $114.5M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $933.9M+0.8% | $926.7M+0.6% | $921.6M-2.3% | $943.2M+3.2% | $913.7M+1.6% | $899.0M-0.7% | $905.8M-4.6% | $949.8M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $93.1M+1.1% | $92.1M+2.7% | $89.6M+4.1% | $86.1M+3.6% | $83.1M+6.2% | $78.3M-7.2% | $84.3M+12.1% | $75.2M |
| Retained Earnings | $120.5M+1.1% | $119.2M+0.6% | $118.5M+1.1% | $117.2M+0.8% | $116.3M+0.5% | $115.8M+0.5% | $115.1M+0.7% | $114.4M |
AUBN Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.5M-27.6% | $3.5M-14.3% | $4.1M+91.2% | $2.1M-18.7% | $2.6M-6.2% | $2.8M+49.5% | $1.9M-38.7% | $3.1M |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | -$11.4M-245.5% | -$3.3M-132.4% | $10.2M+244.8% | $3.0M-66.9% | $8.9M+18.1% | $7.6M-60.3% | $19.1M+452.6% | -$5.4M |
| Financing Cash Flow | $7.2M+53.5% | $4.7M+120.0% | -$23.5M-182.8% | $28.4M+106.8% | $13.7M+300.7% | -$6.8M+85.0% | -$45.6M-203.0% | $44.3M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | $0 | $0 | $0 |
AUBN Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 1436.6%+382.8pp | 1053.8%-392.3pp | 1446.1%+240.2pp | 1205.9%+218.8pp | 987.1%-46.0pp | 1033.1%-91.6pp | 1124.7%-8.6pp | 1133.3% |
| Return on Equity | 2.4%+0.5pp | 1.8%-0.7pp | 2.5%+0.4pp | 2.1%+0.3pp | 1.8%-0.2pp | 2.0%-0.1pp | 2.1%-0.3pp | 2.3% |
| Return on Assets | 0.2%+0.0pp | 0.2%-0.1pp | 0.2%+0.0pp | 0.2%+0.0pp | 0.1%-0.0pp | 0.2%0.0pp | 0.2%0.0pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 10.04-0.0 | 10.07-0.2 | 10.28-0.7 | 10.96-0.0 | 10.99-0.5 | 11.48+0.7 | 10.74-1.9 | 12.63 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
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Frequently Asked Questions
What is Auburn National's annual revenue?
Auburn National (AUBN) reported $619K in total revenue for fiscal year 2025. This represents a 0.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Auburn National's revenue growing?
Auburn National (AUBN) revenue grew by 0.8% year-over-year, from $614K to $619K in fiscal year 2025.
Is Auburn National profitable?
Yes, Auburn National (AUBN) reported a net income of $7.3M in fiscal year 2025, with a net profit margin of 1172.0%.
What is Auburn National's net profit margin?
Auburn National (AUBN) had a net profit margin of 1172.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Auburn National pay dividends?
Yes, Auburn National (AUBN) paid $1.08 per share in dividends during fiscal year 2025.
What is Auburn National's return on equity (ROE)?
Auburn National (AUBN) has a return on equity of 7.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Auburn National's free cash flow?
Auburn National (AUBN) generated $10.9M in free cash flow during fiscal year 2025. This represents a 24.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Auburn National's operating cash flow?
Auburn National (AUBN) generated $12.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Auburn National's total assets?
Auburn National (AUBN) had $1.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Auburn National's capital expenditures?
Auburn National (AUBN) invested $1.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Auburn National's debt-to-equity ratio?
Auburn National (AUBN) had a debt-to-equity ratio of 10.07 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Auburn National's return on assets (ROA)?
Auburn National (AUBN) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Auburn National's Piotroski F-Score?
Auburn National (AUBN) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Auburn National's earnings high quality?
Auburn National (AUBN) has an earnings quality ratio of 1.70x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Auburn National?
Auburn National (AUBN) scores 27 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.