Company Analysis

Auburn National Bancorporation, Inc. (AUBN)

Nasdaq: AUBN · State Commercial Banks · Auburn, AL · filing with the SEC since 1996
Grade4.8
◀ Past 5.2● Present 3.2▶ Future 6.4

The grade of Auburn National Bancorporation, Inc.

Nine metrics read from its own filings, by tense
Headline grade
4.8/10
◀ Past5.240% of the headline
● Present3.235% of the headline
▶ Future6.425% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

5.2/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.8/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 78th percentile among 165 sector filers · read for itself

From the record

Auburn National Bancorporation, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
2.7/10

What has it actually done, year after year?

+4.8% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 27th percentile among 152 sector filers · read for its customers

From the record

Auburn National Bancorporation, Inc.'s 10 filed years say what it did: revenue went from $27 million in fiscal 2016 to $41 million in fiscal 2025, up 4.8% a year; it rose in 7 of 9 years; the deepest fall was 12% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span4.8%bottom 4% of its family
  • the share of years revenue rosebottom 29% of its family
  • the share of filed years with a profittop 44% of its family
  • the deepest fall from a revenue peak12.4%bottom 20% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
3.3/10

How has it treated the people who own it?

Share count shrank 0.2% a year. 1% of cash flow returned. Insiders: 0 sales, 54 purchases.

weight 33% of this tense · 33rd percentile among 157 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Auburn National Bancorporation, Inc.'s diluted share count shrank about 0.2% a year, and dividends and buybacks returned about 1% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 54 purchases of their own stock on the open market in the year to 2026-10-02, buying about $93 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearstop 39% of its family
  • cash returned against operating cash flowbottom 6% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

3.2/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
3.6/10

Is it financially healthy right now?

ROE 8%: 8¢ of profit per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar.

weight 45% of this tense · 36th percentile among 161 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Auburn National Bancorporation, Inc. earned about 8 cents of profit for every dollar of shareholders' money. Leverage: it owed about 91 cents per dollar of assets, and net share issuance: its share count was unchanged over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 21% of its family
  • return on equitybottom 28% of its family
  • the share count against the year beforetop 40% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
1.8/10

How strong is its position in its industry?

bottom 18% of 155 in its family; net margin 17.8%.

weight 33% of this tense · 18th percentile among 155 sector filers · read for its customers

From the record

Auburn National Bancorporation, Inc.'s standing among 155 graded names in its industry family: revenue of $41 million in fiscal 2025 ranks in the bottom 2% by size; a net margin of 17.8% ranks in the bottom 33%; revenue growth of 11.3% a year over the last 3 filed years ranks in the bottom 18% (its annual reports).

What it rests on

  • revenue against the family$40.8Mbottom 2% of its family
  • net margin17.8%bottom 33% of its family
  • three-year revenue growth11.3%bottom 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
4.7/10

What are the people in charge doing?

bottom 47% of 150 in its family for leadership; chief executive since 2023.

weight 22% of this tense · 47th percentile among 150 sector filers · read for its shareholders

From the record

Auburn National Bancorporation, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Hedges, David A (President\CEO, as filed), filing under that title since 2023-01-03, 3.9 years (bottom 23% of its family); the 12 officers and directors filing in the last fifteen months have been on the record a median of 18.6 years (top 3%); 6 officer or director changes were reported on Form 8-K since 2023-11-13, against the 12 people in charge now (bottom 20%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge6 in three years among 12 peoplebottom 20% of its family
  • the median years the people in charge have filed18.6 yearstop 3% of its family
  • the chief executive's years on the record3.9 yearsbottom 23% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

6.4/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
7.9/10

How much room does it have to grow?

top 21% of 142 in its family for room to expand.

weight 33% of this tense · 79th percentile among 142 sector filers · read for itself

From the record

Auburn National Bancorporation, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $148 million against no long-term debt tagged leaves 14.5% of its assets as net cash, top 4% of its family; cash from operations less capital spending is 26.6% of revenue (top 38%) (its annual report).

What it rests on

  • cash less debt against assets14.5%top 4% of its family
  • cash from operations less capital spending against revenue26.6%top 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
4.4/10

What could actually drive growth from here?

bottom 44% of 152 in its family for growth drivers.

weight 33% of this tense · 44th percentile among 152 sector filers · read for its customers

From the record

Auburn National Bancorporation, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 11.3% a year over the last three filed years against 4.8% over all 10, speeding up (top 27% of its family); the newest year grew 5.3% (top 46%); capital spending grew -40.5% a year (bottom 5%) (its annual reports). Auburn National Bancorporation, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+6.6 points a yeartop 27% of its family
  • the newest year's revenue growth5.3%top 46% of its family
  • three-year growth of capital spending-40.5%bottom 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
7.0/10

Did its newest year beat what its own record pointed to?

top 30% of 150 in its family for expectations against reality.

weight 33% of this tense · 70th percentile among 150 sector filers · read for its shareholders

From the record

Auburn National Bancorporation, Inc.'s newest year against its own record: revenue of $41 million in fiscal 2025 came in 8.1% below the $44 million its prior three years' pace pointed to (top 26% of its family); net income of $7 million against a prior three-year average of $6 million (top 38%); a net margin of 17.8% against 18.5% before (top 26%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-8.1%top 26% of its family
  • net income against the prior three years' average+20%top 38% of its family
  • net margin against its prior average-0.7 pointstop 26% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton AUBN · research, not advice