# Auburn National Bancorporation, Inc. (AUBN)

> Source: Nexqual · https://nexqual.com/AUBN · data as of 2026-10-23 20:00 UTC · cite as "Nexqual, Auburn National Bancorporation, Inc. (AUBN), nexqual.com/AUBN" · informational, not investment advice.

**Price:** USD 26.86 (+1.36% on the day) · last close of Oct 23, 2026; US market after hours, not a live price. Prev close 26.5 · day 26.86–26.86 · 52w 21.01–28.88 · market cap $93.6M · NGM

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $34.3M, net income $8.4M (24.5% margin) (SEC filings).
- Valuation: P/E 11.2x (avg 12.9x at the last 2 fiscal year-ends).
- Insider open-market purchases, last ~7 months: 15 Form 4 filings, $52K; 1 by opportunistic insiders, 13 by routine insiders.
- Analysts: None.
- Total return with dividends: 1Y +10.3% vs S&P 500 +13.4%; 5Y -0.4% vs S&P 500 +76.9%.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $28.3M | $33.7M | $23.3M | $30.6M | $32.8M | $34.3M |
| Net income | $8.0M | $10.3M | $1.4M | $6.4M | $7.3M | $8.4M |
| EPS (diluted) | $2.27 | — | — | $1.83 | $2.08 | — |
| Free cash flow | -$7.9M | $3.9M | $11.5M | $8.7M | $10.9M | — |
| Net margin | 28.4% | 30.7% | 6.0% | 20.9% | 22.1% | 24.5% |
| Revenue growth | -4.8% | +19.1% | -30.7% | +31.1% | +7.2% | — |
| Cash + short-term investments | $156M | $27.3M | $71.4M | $93.4M | $148M | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/E 11.2x · P/S 2.7x · P/B 1.0x · Earnings yield 8.96%
P/E at fiscal year-ends: Dec 2025 13.0x, Dec 2024 12.8x.

## Insider purchases (SEC Form 4, open-market, last ~7 months)
15 purchases, $52K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-09-30 | O'Donnell Shannon | Senior Vice President | 27 | $1K | 27.53 | Routine (bought in Jan & Apr & Jul & Oct each year 2023–2025; this trade is outside those months) |
| 2026-09-30 | Housel David E | Director | 51 | $1K | 27.49 | Routine (bought in Jan & Apr & Jul & Oct & Nov each year 2023–2025; this trade is outside those months) |
| 2026-09-30 | Barrett J Tutt | Director | 73 | $2K | 27.5 | Routine (bought in Jan & Apr & Jul & Oct each year 2023–2025; this trade is outside those months) |
| 2026-09-30 | Ham William F Jr | Director | 47 | $1K | 27.41 | Routine (bought in Jan & Apr & Jul & Oct each year 2023–2025; this trade is outside those months) |
| 2026-07-02 | O'Donnell Shannon | Senior Vice President | 27 | $1K | 26.54 | Routine (bought in Jan & Apr & Jul & Oct each year 2023–2025) |
| 2026-07-02 | Housel David E | Director | 53 | $1K | 26.63 | Routine (bought in Jan & Apr & Jul & Oct & Nov each year 2023–2025) |
| 2026-07-02 | Ham William F Jr | Director | 57 | $2K | 26.74 | Routine (bought in Jan & Apr & Jul & Oct each year 2023–2025) |
| 2026-07-02 | Barrett J Tutt | Director | 74 | $2K | 26.62 | Routine (bought in Jan & Apr & Jul & Oct each year 2023–2025) |
| 2026-05-06 | Hedges David A | President\CEO | 1,000 | $24K | 23.75 | Opportunistic (traded every year 2023–2025, no repeating month) |
| 2026-05-05 | Housel David E | Director | 150 | $4K | 23.96 | Routine (bought in Jan & Apr & Jul & Oct & Nov each year 2023–2025; this trade is outside those months) |
| 2026-04-30 | Conn Walton T Jr. | Director | 350 | $8K | 23.9 | Too little history (no open-market trades in 2023 or 2024) |
| 2026-04-14 | O'Donnell Shannon | Senior Vice President | 30 | $1K | 23.61 | Routine (bought in Jan & Apr & Jul & Oct each year 2023–2025) |
| 2026-04-14 | Housel David E | Director | 58 | $1K | 23.58 | Routine (bought in Jan & Apr & Jul & Oct & Nov each year 2023–2025) |
| 2026-04-14 | Ham William F Jr | Director | 64 | $2K | 23.64 | Routine (bought in Jan & Apr & Jul & Oct each year 2023–2025) |
| 2026-04-14 | Barrett J Tutt | Director | 83 | $2K | 23.64 | Routine (bought in Jan & Apr & Jul & Oct each year 2023–2025) |
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Analysts
Consensus None.

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-24) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +10.3% | -0.4% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +10.4% | -0.1% |
| Volatility (annualized) | 38.3% | 27.9% |
| Max drawdown | -24.1% (Dec 2025→Mar 2026) | -46.4% (Mar 2022→Apr 2024) |

## Peers (Banks - Regional)
BBD (Banco Bradesco Sa) USD 4.07 +3.04% · FITB (Fifth Third Bancorp) USD 52.98 -0.47% · DB (Deutsche Bank AG) USD 31.2 -0.89% · TFC (Truist Financial Corporation) USD 48.44 +0.04% · NWG (NatWest Group plc) USD 16.8 -1.12% · NU (Nu Holdings Ltd.) USD 15.16 +2.92%

## More
Full page: https://nexqual.com/AUBN · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Company outlook (8-K filed 2026-07-28)

- "The decrease from June 30, 2025 was primarily due to refinements in the Company's calculation of current expected credit losses ("CECL")."
- "During the first quarter of 2026, the Company established a new loan segment within its CECL calculation for municipal loans, which reduced the allowance for credit losses due to lower expected credit costs associated with these loans."

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter | — | — | — | $0 | — |
| Next quarter (ends 2012-06-30) | — | — | — | $0 | — |
| Current fiscal year (ends 2012-12-31) | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |