What is Auburn National Bancorporation's earnings per share (EPS)?

Auburn National Bancorporation (AUBN) reported diluted earnings per share of $2.08 for fiscal year 2025. This represents a 13.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Auburn National Bancorporation (AUBN) Financials

AUBN

FY2025 annual

Revenue $32.8M +7.2% YoY

Net Income $7.3M +13.4% YoY

EPS (Diluted) $2.08 +13.7% YoY

Free Cash Flow $10.9M +24.6% YoY

Market Cap $92.8M as of Oct 13, 2026

Price / Sales 2.7x on $34.3M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.1x on $8.4M net income, trailing 12 months to June 30, 2026

Price / Book 1.0x on $93.9M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 11, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 11, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the AUBN SEC filings page.

Auburn National Bancorporation (AUBN) reported $32.8M in revenue for fiscal year 2025, up 7.2% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI AUBN FY2025 2026-10-04

Auburn National operates with a liability-heavy bank balance sheet, while recent earnings recovery has translated into steady cash generation.

The earnings trough in FY2023 did not produce a comparable cash-flow trough: net income was $1.4M while operating cash flow was $11.9M. By FY2025, free cash flow of $10.9M remained close to operating cash flow, showing that reported profit and cash movement can diverge while modest capital spending preserves conversion.

The structure is liability-funded: FY2025 debt-to-equity was 10.1x, and equity was roughly 9.0% of assets. Equity increased from $78.3M in FY2024 to $92.1M in FY2025, improving the cushion without changing the basic financing design.

FY2025 revenue of $32.8M exceeded FY2023's $23.3M, showing activity recovered after the 2023 trough. Net margin moved from 6.0% to 22.1% even as interest expense increased, indicating the improvement was not simply lower funding cost.

Financial Health Signals

Financial Health Score 42/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Auburn National Bancorporation'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.

Earnings

Auburn National Bancorporation earned a return on assets of 0.7% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and Auburn National Bancorporation scores 31/100 among other banks.

Growth

Auburn National Bancorporation reported revenue of $32.8M in fiscal year 2025, against $30.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Auburn National Bancorporation scores 77/100 among other banks.

Capital

Auburn National Bancorporation funded 9.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $92.1M of equity against $1.0B of assets. Capital ranks banks on that cushion, and Auburn National Bancorporation scores 18/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Auburn National Bancorporation scores 20/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Auburn National Bancorporation scores 70/100 on it among other banks.

Stability

Auburn National Bancorporation reported net income of $7.3M in fiscal year 2025, against $6.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Auburn National Bancorporation scores 35/100 among other banks.

Piotroski F-Score Partial

6/6

Auburn National Bancorporation passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.70x

For every $1 of reported earnings, Auburn National Bancorporation 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

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Earnings & Revenue

Revenue

$8.8M

YoY+7.8%

QoQ+1.6%

5Y CAGR+4.3%

10Y CAGR+2.7%

Auburn National Bancorporation generated $8.8M in revenue in Q2 2026. This represents an increase of 7.8% from the same quarter a year earlier. Against the prior quarter it is up 1.6%.

Net Income

$2.3M

YoY+25.4%

QoQ+4.5%

5Y CAGR+0.1%

10Y CAGR+1.8%

Auburn National Bancorporation reported $2.3M in net income in Q2 2026. This represents an increase of 25.4% from the same quarter a year earlier. Against the prior quarter it is up 4.5%.

EPS (Diluted)

$0.66

YoY+26.9%

QoQ+4.8%

Auburn National Bancorporation earned $0.66 per diluted share (EPS) in Q2 2026. This represents an increase of 26.9% from the same quarter a year earlier. Against the prior quarter it is up 4.8%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$211.6M

YoY+39.1%

QoQ+44.8%

5Y CAGR+8.4%

Auburn National Bancorporation held $211.6M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.27

YoY0.0%

QoQ0.0%

5Y CAGR+0.8%

Auburn National Bancorporation paid $0.27 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY-0.3%

QoQ-0.3%

5Y CAGR-0.3%

10Y CAGR-0.4%

Auburn National Bancorporation had 3M shares outstanding in Q2 2026. This represents a decrease of 0.3% from the same quarter a year earlier. Against the prior quarter it is down 0.3%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

26.2%

YoY+3.7pp

QoQ+0.7pp

5Y change-6.0pp

10Y change-2.7pp

Auburn National Bancorporation's net profit margin was 26.2% in Q2 2026, showing the share of revenue converted to profit. This is up 3.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.

Return on Equity

2.5%

YoY+0.3pp

QoQ+0.1pp

5Y change+0.3pp

10Y change+0.2pp

Auburn National Bancorporation's ROE was 2.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

None of these metrics is reported for Q2 2026.

AUBN Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

AUBN quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$34.3M	$32.8M+7.2%	$30.6M+31.1%	$23.3M-30.7%	$33.7M+19.1%	$28.3M-4.8%	$29.7M-5.8%	$31.6M+9.2%	$28.9M+3.3%	$28.0M+7.1%	$26.1M-4.2%	$27.3M+7.3%	$25.4M-10.0%	$28.2M-10.1%	$31.4M+28.6%	$24.4M
SG&A Expenses	$13.2M	$13.2M+4.9%	$12.5M+3.6%	$12.1M-1.7%	$12.3M+5.1%	$11.7M+3.5%	$11.3M-5.2%	$11.9M+12.0%	$10.7M+6.4%	$10.0M+1.9%	$9.8M+5.7%	$9.3M+3.9%	$8.9M+1.8%	$8.8M+1.1%	$8.7M+6.4%	$8.2M
Interest Expense	$10.8M	$11.1M-4.4%	$11.6M+44.3%	$8.0M+238.2%	$2.4M-5.5%	$2.5M-34.7%	$3.9M-7.8%	$4.2M+13.8%	$3.7M+2.3%	$3.6M-12.0%	$4.1M-7.9%	$4.4M-17.3%	$5.4M-17.9%	$6.5M-20.0%	$8.2M-28.8%	$11.5M
Income Tax	$2.3M	$2.0M-2.2%	$2.0M+357.4%	-$777K-131.0%	$2.5M+78.0%	$1.4M-12.4%	$1.6M-32.3%	$2.4M+8.4%	$2.2M-39.9%	$3.6M+17.2%	$3.1M+10.0%	$2.8M+1.3%	$2.8M+21.6%	$2.3M+61.4%	$1.4M+2389.5%	$57K
Net Income	$8.4M	$7.3M+13.4%	$6.4M+358.6%	$1.4M-86.5%	$10.3M+28.7%	$8.0M+7.8%	$7.5M-23.5%	$9.7M+10.3%	$8.8M+12.6%	$7.8M-3.7%	$8.2M+3.7%	$7.9M+5.5%	$7.4M+4.6%	$7.1M+5.2%	$6.8M+22.1%	$5.5M
EPS (Basic)	N/A	$2.08+13.7%	$1.83+357.5%	$0.40-86.4%	$2.95+30.0%	$2.27	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS (Diluted)	$2.41	$2.08+13.7%	$1.83	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Diluted Shares (Avg)	N/A	3M0.0%	3M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$8.8M+7.8%	$8.6M+10.7%	$8.5M+8.4%	$8.4M+10.0%	$8.1M+6.9%	$7.8M+3.3%	$7.8M+1140.3%	$7.6M+7.0%
SG&A Expenses	$3.3M+0.3%	$3.4M+1.8%	$3.2M+1.1%	$3.4M+7.2%	$3.3M+3.8%	$3.3M+7.8%	$3.2M-3.6%	$3.1M+10.7%
Interest Expense	$2.7M-2.7%	$2.6M-6.7%	$2.7M-10.7%	$2.8M-10.4%	$2.8M-3.8%	$2.8M+9.5%	$3.0M-1.7%	$3.2M+33.7%
Income Tax	$611K+26.0%	$603K+53.8%	$456K-45.1%	$623K+17.3%	$485K+2.1%	$392K+139.0%	$830K+154.8%	$531K+191.8%
Net Income	$2.3M+25.4%	$2.2M+43.7%	$1.7M+6.7%	$2.2M+28.6%	$1.8M+5.7%	$1.5M+11.6%	$1.6M+139.1%	$1.7M+16.4%
EPS (Basic)	$0.66+26.9%	$0.63+43.2%	$0.48+6.7%	$0.64+28.0%	$0.52+4.0%	$0.44+12.8%	$0.45+139.5%	$0.50+16.3%
EPS (Diluted)	$0.66+26.9%	$0.63+43.2%	$0.48+6.7%	$0.64+28.0%	$0.52	$0.44	$0.45	$0.50
Diluted Shares (Avg)	3M0.0%	3M+0.1%	N/A	3M+0.1%	3M	3M	N/A	3M

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

AUBN Balance Sheet

AUBN quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$1.0B+4.2%	$977.3M+0.2%	$975.3M-4.7%	$1.0B-7.4%	$1.1B+15.5%	$956.6M+15.5%	$827.9M+1.2%	$818.1M-4.1%	$853.4M+2.6%	$831.9M+1.8%	$817.2M+3.5%	$789.2M+5.0%	$751.3M-1.1%	$759.8M-2.1%	$776.2M
Cash & Equivalents	$147.8M+58.4%	$93.4M+30.8%	$71.4M+161.9%	$27.3M-82.6%	$156.3M+38.8%	$112.6M	N/A	N/A	N/A	N/A	N/A	N/A	$13.4M-28.4%	$18.8M+51.4%	$12.4M
Short-Term Investments	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0
Total Liabilities	$926.7M+3.1%	$899.0M0.0%	$898.7M-6.0%	$955.8M-4.6%	$1.0B+18.0%	$848.9M+16.4%	$729.6M+0.1%	$729.0M-4.9%	$766.5M+2.2%	$749.8M+1.7%	$737.2M+3.3%	$713.4M+3.9%	$686.9M-0.4%	$689.7M-3.0%	$710.8M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$3.2M0.0%	$3.2M-55.4%	$7.2M-40.9%	$12.2M0.0%	$12.2M-74.1%	$47.2M-44.7%	$85.3M
Total Equity	$92.1M+17.6%	$78.3M+2.3%	$76.5M+12.4%	$68.0M-34.4%	$103.7M-3.7%	$107.7M+9.5%	$98.3M+10.4%	$89.1M+2.5%	$86.9M+5.8%	$82.2M+2.8%	$79.9M+5.5%	$75.8M+17.5%	$64.5M-8.1%	$70.1M+7.2%	$65.4M
Retained Earnings	$119.2M+3.0%	$115.8M+2.1%	$113.4M-2.7%	$116.6M+6.0%	$110.0M+4.1%	$105.6M+3.7%	$101.8M+6.4%	$95.6M+5.9%	$90.3M+5.3%	$85.7M+6.0%	$80.8M+6.1%	$76.2M+6.0%	$71.9M+6.0%	$67.8M+5.9%	$64.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$1.1B+5.5%	$1.0B+3.0%	$1.0B+4.2%	$1.0B+2.1%	$1.0B+0.4%	$996.8M+1.8%	$977.3M+0.2%	$990.1M-3.9%
Cash & Equivalents	$211.6M+39.1%	$146.2M+23.2%	$147.8M+58.4%	$142.9M+59.1%	$152.2M+32.9%	$118.7M+63.5%	$93.4M+30.8%	$89.8M+203.4%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$991.9M+5.2%	$933.9M+2.2%	$926.7M+3.1%	$921.6M+1.7%	$943.2M-0.7%	$913.7M+1.0%	$899.0M0.0%	$905.8M-6.5%
Total Equity	$93.9M+9.1%	$93.1M+12.0%	$92.1M+17.6%	$89.6M+6.3%	$86.1M+14.4%	$83.1M+11.6%	$78.3M+2.3%	$84.3M+37.2%
Retained Earnings	$121.9M+3.9%	$120.5M+3.6%	$119.2M+3.0%	$118.5M+2.9%	$117.2M+2.5%	$116.3M+2.5%	$115.8M+2.1%	$115.1M-2.7%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

AUBN Cash Flow Statement

AUBN quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$11.6M	$12.3M+14.2%	$10.8M-9.2%	$11.9M+8.4%	$11.0M-10.9%	$12.3M+26.6%	$9.7M-10.3%	$10.8M-10.6%	$12.1M+29.1%	$9.4M-10.4%	$10.5M-3.4%	$10.9M+3.0%	$10.5M-23.3%	$13.7M-8.9%	$15.1M+6.9%	$14.1M
Depreciation & Amortization	N/A	$2.1M+9.3%	$1.9M+13.7%	$1.7M+11.3%	$1.5M+22.8%	$1.2M-25.3%	$1.7M+44.0%	$1.2M+23.3%	$938K-7.7%	$1.0M-15.3%	$1.2M+2.9%	$1.2M+49.5%	$780K-5.7%	$827K-1.2%	$837K+25.9%	$665K
Stock-Based Compensation	N/A	$62K	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	N/A	$1.5M-28.9%	$2.1M+399.8%	$418K-94.1%	$7.0M-65.1%	$20.2M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	$10.9M+24.6%	$8.7M-24.1%	$11.5M+192.1%	$3.9M+150.0%	-$7.9M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$3.4M	$18.8M+11.5%	$16.9M-81.6%	$91.4M+200.5%	-$91.0M+23.5%	-$118.8M-15.5%	-$102.9M-527.3%	$24.1M+299.8%	-$12.1M+69.6%	-$39.6M	N/A	N/A	-$4.0M+69.5%	-$13.1M-168.4%	$19.1M+4.4%	$18.3M
Financing Cash Flow	$44.5M	$23.3M+510.9%	-$5.7M+90.4%	-$59.2M-20.7%	-$49.0M-132.6%	$150.2M+32.5%	$113.3M+1597.4%	-$7.6M+81.3%	-$40.5M-380.4%	$14.5M	N/A	N/A	$22.7M+371.0%	-$8.4M+69.7%	-$27.7M-1813.4%	$1.6M
Share Buybacks	N/A	N/A	$0-100.0%	$229K-54.6%	$504K-68.9%	$1.6M	$0-100.0%	$2.7M	$0	N/A	N/A	N/A	N/A	$0	$0	$0

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$1.5M-29.3%	$2.5M-3.5%	$3.5M+25.0%	$4.1M+118.1%	$2.1M-30.0%	$2.6M-14.7%	$2.8M+131.6%	$1.9M-43.6%
Depreciation & Amortization	$553K+9.5%	$557K+5.5%	$549K+3.4%	$531K+6.2%	$505K+7.9%	$528K+21.7%	$531K+25.8%	$500K+19.0%
Stock-Based Compensation	$5K	$24K	N/A	N/A	N/A	$0	N/A	N/A
Investing Cash Flow	$7.9M+166.5%	-$11.4M-227.9%	-$3.3M-143.7%	$10.2M-46.5%	$3.0M+154.7%	$8.9M+303.9%	$7.6M-93.1%	$19.1M+222.3%
Financing Cash Flow	$56.1M+97.4%	$7.2M-47.3%	$4.7M+168.9%	-$23.5M+48.4%	$28.4M-35.8%	$13.7M+446.4%	-$6.8M+90.2%	-$45.6M-469.1%
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0-100.0%

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid.

AUBN Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

AUBN quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	22.1%+1.2pp	20.9%+14.9pp	6.0%-24.8pp	30.7%+2.3pp	28.4%+3.3pp	25.1%-5.8pp	30.9%+0.3pp	30.6%+2.5pp	28.1%-3.2pp	31.2%+2.4pp	28.8%-0.5pp	29.3%+4.1pp	25.2%+3.7pp	21.6%-1.1pp	22.7%
Return on Equity	7.9%-0.3pp	8.2%+6.3pp	1.8%-13.4pp	15.2%+7.5pp	7.8%+0.8pp	6.9%-3.0pp	9.9%0.0pp	9.9%+0.9pp	9.0%-0.9pp	9.9%+0.1pp	9.8%0.0pp	9.8%-1.2pp	11.0%+1.4pp	9.6%+1.2pp	8.5%
Return on Assets	0.7%+0.1pp	0.7%+0.5pp	0.1%-0.9pp	1.0%+0.3pp	0.7%0.0pp	0.8%-0.4pp	1.2%+0.1pp	1.1%+0.2pp	0.9%-0.1pp	1.0%0.0pp	1.0%0.0pp	0.9%0.0pp	0.9%+0.1pp	0.9%+0.2pp	0.7%
Debt-to-Equity	10.07-1.4x	11.48-0.3x	11.75-2.3x	14.05+4.4x	9.65+1.8x	7.88+0.5x	7.42-0.8x	8.19+8.1x	0.040.0x	0.04-0.1x	0.09-0.1x	0.160.0x	0.19-0.5x	0.67-0.6x	1.30
Asset Turnover	0.030.0x	0.030.0x	0.020.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.03
FCF Margin	33.1%+4.6pp	28.5%-20.7pp	49.2%+37.5pp	11.7%+39.4pp	-27.8%	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	26.2%+3.7pp	25.5%+5.8pp	19.7%-0.3pp	26.5%+3.8pp	22.5%-0.3pp	19.6%+1.5pp	20.0%	22.7%+1.8pp
Return on Equity	2.5%+0.3pp	2.4%+0.5pp	1.8%-0.2pp	2.5%+0.4pp	2.1%-0.2pp	1.8%0.0pp	2.0%+7.2pp	2.1%-0.4pp
Return on Assets	0.2%0.0pp	0.2%+0.1pp	0.2%0.0pp	0.2%+0.1pp	0.2%0.0pp	0.1%0.0pp	0.2%+0.6pp	0.2%0.0pp
Debt-to-Equity	10.57-0.4x	10.04-1.0x	10.07-1.4x	10.28-0.5x	10.96-1.7x	10.99-1.2x	11.48-0.3x	10.74-5.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Auburn National Bancorporation AUBN	FY2025	$32.8M	$7.3M	22.1%	$92.8M	42/100
Pathfinder Bancorp Inc PBHC	FY2025	$46.8M	-$1.9M	-4.1%	$106.5M	20/100
CFSB Bancorp, Inc. CFSB	FY2025	$7.7M	-$265K	-3.5%	$93.3M	22/100
Magyar Bancorp, Inc. MGYR	FY2025	$54.7M	$9.8M	17.8%	$122.4M	56/100
Riverview Bancorp Inc RVSB	FY2026	$43.1M	-$4.3M	-10.1%	$119.1M	25/100

Where Auburn National Bancorporation Ranks

Frequently Asked Questions

What is Auburn National Bancorporation's annual revenue?

Auburn National Bancorporation (AUBN) reported $32.8M in total revenue for fiscal year 2025. This represents a 7.2% 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 Bancorporation's revenue growing?

Auburn National Bancorporation (AUBN) revenue grew by 7.2% year-over-year, from $30.6M to $32.8M in fiscal year 2025.

Is Auburn National Bancorporation profitable?

Yes, Auburn National Bancorporation (AUBN) reported a net income of $7.3M in fiscal year 2025, with a net profit margin of 22.1%.

What is Auburn National Bancorporation's net profit margin?

Auburn National Bancorporation (AUBN) had a net profit margin of 22.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Auburn National Bancorporation pay dividends?

Yes, Auburn National Bancorporation (AUBN) paid $1.08 per share in dividends during fiscal year 2025.

What is Auburn National Bancorporation's return on equity (ROE)?

Auburn National Bancorporation (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 Bancorporation's free cash flow?

Auburn National Bancorporation (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 Bancorporation's operating cash flow?

Auburn National Bancorporation (AUBN) generated $12.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Auburn National Bancorporation's total assets?

Auburn National Bancorporation (AUBN) had $1.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Auburn National Bancorporation's capital expenditures?

Auburn National Bancorporation (AUBN) invested $1.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Auburn National Bancorporation have outstanding?

Auburn National Bancorporation (AUBN) had 3M shares outstanding as of fiscal year 2025.

What is Auburn National Bancorporation's debt-to-equity ratio?

Auburn National Bancorporation (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 Bancorporation's return on assets (ROA)?

Auburn National Bancorporation (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 Bancorporation's P/E ratio?

Auburn National Bancorporation (AUBN) trades at 11.1x earnings, its market capitalization divided by net income of $8.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $92.8M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Auburn National Bancorporation's price-to-sales ratio?

Auburn National Bancorporation (AUBN) trades at 2.7x sales, its market capitalization divided by revenue of $34.3M revenue, trailing 12 months to June 30, 2026. The market capitalization is $92.8M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Auburn National Bancorporation's Piotroski F-Score?

Auburn National Bancorporation (AUBN) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 Bancorporation's earnings high quality?

Auburn National Bancorporation (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 Bancorporation?

Auburn National Bancorporation (AUBN) scores 42 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.