NASDAQ : AUBN
Auburn National Bancorporation, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 25.75 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 89.72M
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 30.84M | 29.73M | 24.93M | 20.24M | 20.47M | |
| Interest Income on Investments | 9.93M | 9.00M | 9.45M | 9.30M | 6.03M | |
| Total Interest Income | 40.77M | 38.73M | 34.37M | 29.55M | 26.51M | |
| Interest Paid on Deposits | 11.09M | 11.60M | 7.97M | 2.32M | 2.50M | |
| Interest Paid on Borrowings | 2.00K | 3.00K | 72.00K | 60.00K | 17.00K | |
| Total Interest Expense | 11.09M | 11.61M | 8.05M | 2.38M | 2.52M | |
| Net Interest Income | 31.35M | 29.67M | 27.12M | 26.33M | 27.17M | 23.99M |
| Gain (Loss) on Sale of Assets | 3.23M | |||||
| Gain (Loss) on Sale of Investments | -6.29M | 12.00K | 15.00K | |||
| Other Non-Interest Income | 2.88M | 2.50M | 2.86M | 2.66M | 2.66M | 3.71M |
| Total Non-Interest Income | 3.50M | 3.12M | 3.47M | -3.03M | 6.51M | 4.29M |
| Revenues Before Loan Losses | 34.85M | 32.79M | 30.60M | 23.30M | 33.67M | 28.28M |
| Provision for Loan Losses | 409.00K | 631.00K | 36.00K | 135.00K | 1.00M | -600.00K |
| Revenue | 34.44M | 32.16M | 30.56M | 23.16M | 32.67M | 28.88M |
| Salaries and Employee Benefits | 13.09M | 13.09M | 12.53M | 12.10M | 12.31M | 11.71M |
| Occupancy Expenses | 953.00K | 953.00K | 2.41M | 2.75M | 2.54M | 1.54M |
| Federal Deposit Insurance | 569.00K | 569.00K | 564.00K | 631.00K | 404.00K | 426.00K |
| Selling, General & Administrative | 2.74M | 2.74M | 1.29M | 1.50M | 1.18M | 1.20M |
| Other Non-Interest Expense | 6.11M | 5.60M | 5.37M | 5.21M | 4.96M | 4.56M |
| Total Non-Interest Expense | 23.46M | 22.95M | 22.17M | 22.59M | 21.39M | 19.43M |
| EBT Excluding Unusual Items | 10.97M | 9.21M | 8.40M | 566.00K | 11.28M | 9.45M |
| Pretax Income | 10.97M | 9.21M | 8.40M | 618.00K | 12.85M | 9.45M |
| Income Tax Expense | 2.29M | 1.96M | 2.00M | -777.00K | 2.50M | 1.41M |
| Net Income | 8.68M | 7.25M | 6.40M | 1.40M | 10.35M | 8.04M |
| Net Income to Common | 8.68M | 7.25M | 6.40M | 1.40M | 10.35M | 8.04M |
| Basic Shares Outstanding | 3.49M | 3.49M | 3.49M | 3.50M | 3.51M | 3.55M |
| Diluted Shares Outstanding | 3.49M | 3.50M | 3.49M | 3.50M | 3.51M | 3.55M |
| EPS (Basic) | 2.49 | 2.08 | 1.83 | 0.40 | 2.95 | 2.27 |
| EPS (Diluted) | 2.49 | 2.08 | 1.83 | 0.40 | 2.95 | 2.27 |
| Dividend Per Share | 1.08 | 1.08 | 1.08 | 1.08 | 1.06 | 1.04 |
| Effective Tax Rate | 20.88% | 21.23% | 23.82% | 19.48% | 14.89% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 147.83M | 93.35M | 71.37M | 27.25M | 156.26M | |
| Investment Securities | 72.73M | 70.74M | 75.72M | 190.44M | 201.92M | |
| Mortgage-Backed Securities | 161.93M | 173.68M | 198.29M | 218.16M | 223.37M | |
| Total Investments | 234.66M | 244.41M | 274.01M | 408.60M | 425.29M | |
| Gross Loans | 565.35M | 564.02M | 557.29M | 504.46M | 459.12M | |
| Allowance for Loan Losses | -7.18M | -6.87M | -6.86M | -5.76M | -4.94M | |
| Other Adjustments to Gross Loans | -759.00K | |||||
| Net Loans | 558.18M | 557.15M | 550.43M | 498.69M | 453.43M | |
| Property, Plant & Equipment | 45.60M | 45.93M | 45.53M | 46.58M | 42.41M | |
| Loans Held for Sale | 172.00K | 1.38M | ||||
| Accrued Interest Receivable | 100.00K | |||||
| Long-Term Deferred Tax Assets | 6.89M | 10.19M | 10.25M | 13.77M | 400.00K | |
| Other Real Estate Owned & Foreclosed | 374.00K | |||||
| Other Long-Term Assets | 25.36M | 26.29M | 23.66M | 28.99M | 25.61M | |
| Total Assets | 1.02B | 977.32M | 975.25M | 1.02B | 1.11B | |
| Accrued Expenses | 3.36M | 2.91M | 719.00K | 2.35M | 3.02M | |
| Interest Bearing Deposits | 575.56M | 547.30M | 527.88M | 581.61M | 620.12M | |
| Institutional Deposits | 79.34M | 87.65M | 97.64M | 57.36M | 57.99M | |
| Non-Interest Bearing Deposits | 268.03M | 260.87M | 270.72M | 311.37M | 316.13M | |
| Total Deposits | 922.93M | 895.82M | 896.24M | 950.34M | 994.24M | |
| Short-Term Borrowings | 1.49M | 2.55M | 3.45M | |||
| Current Portion of Leases | 55.00K | |||||
| Long-Term Leases | 102.00K | 611.00K | 710.00K | |||
| Other Long-Term Liabilities | 300.00K | 300.00K | 300.00K | |||
| Total Liabilities | 926.74M | 899.03M | 898.75M | 955.85M | 1.00B | |
| Common Stock | 39.00K | 39.00K | 39.00K | 39.00K | 39.00K | |
| Additional Paid-In Capital | 3.86M | 3.80M | 3.80M | 3.80M | 3.79M | |
| Retained Earnings | 119.24M | 115.76M | 113.40M | 116.60M | 109.97M | |
| Treasury Stock | -11.70M | -11.70M | -11.70M | -11.47M | -10.97M | |
| Comprehensive Income & Other | -19.39M | -29.61M | -29.03M | -40.92M | 891.00K | |
| Shareholders' Equity | 93.87M | 92.05M | 78.29M | 76.51M | 68.04M | 103.73M |
| Total Liabilities & Equity | 1.02B | 977.32M | 975.25M | 1.02B | 1.11B | |
| Total Debt | 157.00K | 1.49M | 3.16M | 4.16M | ||
| Net Cash (Debt) | 211.94M | 147.68M | 93.35M | 69.88M | 24.09M | 152.10M |
| Net Cash Per Share | 60.68 | 42.25 | 26.72 | 19.98 | 6.86 | 42.90 |
| Filing Date Shares Outstanding | 3.48M | 3.49M | 3.49M | 3.49M | 3.50M | 3.52M |
| Total Common Shares Outstanding | 3.48M | 3.49M | 3.49M | 3.49M | 3.50M | 3.52M |
| Book Value Per Share | 26.91 | 26.35 | 22.41 | 21.90 | 19.42 | 29.46 |
| Tangible Book Value | 93.87M | 92.05M | 78.29M | 76.51M | 68.04M | 103.73M |
| Tangible Book Value Per Share | 26.91 | 26.35 | 22.41 | 21.90 | 19.42 | 29.46 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 7.25M | 6.40M | 1.40M | 10.35M | 8.04M | |
| Depreciation & Amortization | 2.11M | 1.93M | 1.70M | 1.53M | 1.24M | |
| Gain (Loss) on Sale of Assets | -3.40M | |||||
| Gain (Loss) on Sale of Investments | 1.38M | 1.50M | 8.68M | 3.08M | 3.96M | |
| Provision for Credit Losses | 631.00K | 36.00K | 135.00K | 1.00M | -600.00K | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -69.00K | 183.00K | 33.00K | 1.57M | 2.96M | |
| Change in Other Net Operating Assets | 1.26M | 578.00K | 282.00K | -3.53M | -2.15M | |
| Other Operating Activities | -129.00K | 438.00K | -247.00K | 686.00K | 278.00K | |
| Operating Cash Flow | 12.35M | 10.81M | 11.90M | 10.98M | 12.32M | |
| Capital Expenditures | -1.49M | -2.09M | -418.00K | -7.05M | -20.18M | |
| Sale of Property, Plant and Equipment | 4.22M | |||||
| Investment in Securities | 22.02M | 25.62M | 141.60M | -42.33M | -99.64M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -1.74M | -6.71M | -52.89M | -46.27M | 2.88M | |
| Other Investing Activities | 32.00K | 3.09M | 462.00K | -1.91M | ||
| Investing Cash Flow | 18.80M | 16.85M | 91.38M | -90.96M | -118.84M | |
| Short-Term Debt Issued | 1.06M | |||||
| Total Debt Issued | 1.06M | |||||
| Short-Term Debt Repaid | -1.49M | -1.06M | -897.00K | |||
| Total Debt Repaid | -1.49M | -1.06M | -897.00K | |||
| Net Debt Issued (Repaid) | -1.49M | -1.06M | -897.00K | 1.06M | ||
| Repurchase of Common Stock | -229.00K | -504.00K | -1.62M | |||
| Common Dividends Paid | -3.77M | -3.77M | -3.78M | -3.72M | -3.68M | |
| Net Increase (Decrease) in Deposit Accounts | 27.10M | -419.00K | -54.09M | -43.91M | 154.45M | |
| Financing Cash Flow | 23.33M | -5.68M | -59.16M | -49.03M | 150.21M | |
| Net Cash Flow | 54.48M | 21.98M | 44.12M | -129.00M | 43.68M | |
| Free Cash Flow | 10.86M | 8.72M | 11.48M | 3.93M | -7.86M | |
| Free Cash Flow Margin | 33.78% | 28.53% | 49.59% | 12.03% | -27.20% | |
| Free Cash Flow Per Share | 3.11 | 2.50 | 3.28 | 1.12 | -2.22 | |
| Cash Interest Paid | 11.15M | 11.52M | 7.52M | 2.34M | 2.56M | |
| Cash Income Tax Paid | 676.00K | 1.24M | 1.23M | 1.35M | 2.76M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 89.72M | 94.16M | 82.07M | 74.34M | 80.60M | 113.94M |
| Last Close Price | 25.75 | 26.09 | 21.71 | 18.67 | 19.21 | 25.95 |
| PE Ratio | 10.35 | 12.98 | 12.83 | 53.29 | 7.79 | 14.17 |
| PS Ratio | 2.61 | 2.93 | 2.69 | 3.21 | 2.47 | 3.95 |
| PB Ratio | 0.96 | 1.02 | 1.05 | 0.97 | 1.19 | 1.10 |
| P/FCF Ratio | 8.64 | 8.67 | 9.41 | 6.47 | 20.50 | |
| P/OCF Ratio | 7.71 | 7.62 | 7.59 | 6.25 | 7.34 | 9.25 |
| Debt / Equity Ratio | 0.00 | 0.02 | 0.05 | 0.04 | ||
| Debt / FCF Ratio | 0.01 | 0.13 | 0.80 | |||
| Net Debt / Equity Ratio | -2.26 | -1.60 | -1.19 | -0.91 | -0.35 | -1.47 |
| Net Debt / FCF Ratio | -13.59 | -10.71 | -6.08 | -6.13 | 19.36 | |
| Return on Equity (ROE) | 8.52% | 8.27% | 1.93% | 12.05% | 7.61% | |
| Return on Assets (ROA) | 0.73% | 0.66% | 0.14% | 0.97% | 0.78% | |
| Earnings Yield | 9.66% | 7.70% | 7.80% | 1.88% | 12.84% | 7.05% |
| FCF Yield | 11.57% | 11.54% | 10.62% | 15.45% | 4.88% | -6.89% |
| Dividend Yield | 4.19% | 4.01% | 4.60% | 5.08% | 4.61% | 3.21% |
| Payout Ratio | 43.42% | 52.01% | 58.98% | 270.68% | 35.96% | 45.80% |
| Buyback Yield / Dilution | 0.05% | -0.04% | 0.12% | 0.37% | 0.97% | 0.59% |
| Total Shareholder Return | 4.24% | 3.97% | 4.72% | 5.44% | 5.58% | 3.80% |