Auburn National Bancorporation, Inc
AUBN Nasdaq State Commercial Banks Financials FY2016–FY2025
Revenue
Total sales reported in the income statement.
$0.6M
0.8%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
3,707.8%
97.7 pts
Net income
Profit after all expenses, interest and tax.
$7.3M
13.4%
Return on equity
Net income as a share of average shareholders' equity.
8.5%
0.3 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
—
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $2.41 EPS (TTM)
What Auburn National Bancorporation, Inc does
No business description yet.
- Legal name
- AUBURN NATIONAL BANCORPORATION, INC
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 17, 2026
- Accession · CIK
- 0001193125-26-111012
0000750574
Revenue and margins
Auburn National Bancorporation, Inc had $0.6M of revenue in fiscal 2025, up 0.8% on the year before.
FY16
Revenue $26.1M
FY17
Revenue $0.7M
FY18
Revenue $0.7M
FY19
Revenue $0.7M
FY20
Revenue $0.6M
FY21
Revenue $0.6M
FY22
Revenue $0.6M
FY23
Revenue $0.6M
FY24
Revenue $0.6M
FY25
Revenue $0.6M
Q3 '23
Revenue $0.1M
Q4 '23
Revenue $0.1M
Q1 '24
Revenue $0.2M
Q2 '24
Revenue $0.2M
Q3 '24
Revenue $0.2M
Q4 '24
Revenue $0.2M
Q1 '25
Revenue $0.2M
Q2 '25
Revenue $0.2M
Q3 '25
Revenue $0.2M
Q4 '25
Revenue $0.2M
Q1 '26
Revenue $0.2M
Q2 '26
Revenue $0.2M
FY16
Net interest share 87.0%
Efficiency ratio 58.8%
FY17
Net interest share 3,287.7%
Efficiency ratio 2,249.9%
FY18
Net interest share 3,413.9%
Efficiency ratio 2,386.4%
FY19
Net interest share 3,635.1%
Efficiency ratio 2,747.1%
FY20
Net interest share 4,160.3%
Efficiency ratio 3,342.6%
FY21
Net interest share 4,238.5%
Efficiency ratio 3,433.4%
FY22
Net interest share 4,542.8%
Efficiency ratio 3,314.9%
FY23
Net interest share 4,366.2%
Efficiency ratio 3,746.9%
FY24
Net interest share 4,417.8%
Efficiency ratio 3,610.1%
FY25
Net interest share 4,793.9%
Efficiency ratio 3,707.8%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 4,237.8%
Efficiency ratio 3,623.0%
Q4 '23
Net interest share 4,121.8%
Efficiency ratio 3,947.6%
Q1 '24
Net interest share 4,267.3%
Efficiency ratio 3,637.8%
Q2 '24
Net interest share 4,385.0%
Efficiency ratio 3,607.2%
Q3 '24
Net interest share 4,409.1%
Efficiency ratio 3,571.4%
Q4 '24
Net interest share 4,615.2%
Efficiency ratio 3,623.8%
Q1 '25
Net interest share 4,545.2%
Efficiency ratio 3,793.5%
Q2 '25
Net interest share 4,831.6%
Efficiency ratio 3,751.3%
Q3 '25
Net interest share 4,916.9%
Efficiency ratio 3,770.1%
Q4 '25
Net interest share 4,881.6%
Efficiency ratio 3,520.9%
Q1 '26
Net interest share 5,054.2%
Efficiency ratio 3,856.9%
Q2 '26
Net interest share 5,155.6%
Efficiency ratio 3,990.2%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2016 to 2025, diluted EPS grew −0.8% a year. Loss periods are shown in red.
FY16
Net income $8.2M
FY17
Net income $7.8M
FY18
Net income $8.8M
FY19
Net income $9.7M
FY20
Net income $7.5M
FY21
Net income $8.0M
FY22
Net income $10.3M
FY23
Net income $1.4M
FY24
Net income $6.4M
FY25
Net income $7.3M
Q3 '23
Net income $1.5M
Q4 '23
Net income −$4.0M
Q1 '24
Net income $1.4M
Q2 '24
Net income $1.7M
Q3 '24
Net income $1.7M
Q4 '24
Net income $1.6M
Q1 '25
Net income $1.5M
Q2 '25
Net income $1.8M
Q3 '25
Net income $2.2M
Q4 '25
Net income $1.7M
Q1 '26
Net income $2.2M
Q2 '26
Net income $2.3M
FY16
Diluted EPS $2.24
FY17
Diluted EPS $2.15
FY18
Diluted EPS $2.42
FY19
Diluted EPS $2.72
FY20
Diluted EPS $2.09
FY21
Diluted EPS $2.27
FY22
Diluted EPS —
FY23
Diluted EPS —
FY24
Diluted EPS $1.83
FY25
Diluted EPS $2.08
Q3 '23
Diluted EPS —
Q4 '23
Diluted EPS —
Q1 '24
Diluted EPS —
Q2 '24
Diluted EPS —
Q3 '24
Diluted EPS $0.50
Q4 '24
Diluted EPS —
Q1 '25
Diluted EPS $0.44
Q2 '25
Diluted EPS $0.52
Q3 '25
Diluted EPS $0.64
Q4 '25
Diluted EPS $0.48
Q1 '26
Diluted EPS $0.63
Q2 '26
Diluted EPS $0.66
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY16
ROE 9.9%
ROTE 9.9%
Efficiency ratio 58.8%
FY17
ROE 9.3%
ROTE 9.0%
Efficiency ratio 2,249.9%
FY18
ROE 10.0%
ROTE 9.9%
Efficiency ratio 2,386.4%
FY19
ROE 10.4%
ROTE 9.9%
Efficiency ratio 2,747.1%
FY20
ROE 7.2%
ROTE 6.9%
Efficiency ratio 3,342.6%
FY21
ROE 7.6%
ROTE 7.8%
Efficiency ratio 3,433.4%
FY22
ROE 12.0%
ROTE 15.2%
Efficiency ratio 3,314.9%
FY23
ROE 1.9%
ROTE 1.8%
Efficiency ratio 3,746.9%
FY24
ROE 8.3%
ROTE 8.2%
Efficiency ratio 3,610.1%
FY25
ROE 8.5%
ROTE 7.9%
Efficiency ratio 3,707.8%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Auburn National Bancorporation, Inc returned — to shareholders in fiscal 2025. The diluted share count rose 0.0%.
FY16
Dividends —
Buybacks —
FY17
Dividends —
Buybacks —
FY18
Dividends —
Buybacks $0.0M
FY19
Dividends —
Buybacks $2.7M
FY20
Dividends —
Buybacks $0.0M
FY21
Dividends —
Buybacks $1.6M
FY22
Dividends —
Buybacks $0.5M
FY23
Dividends —
Buybacks $0.2M
FY24
Dividends —
Buybacks $0.0M
FY25
Dividends —
Buybacks —
Dividends
Buybacks
Q3 '23
Dividends —
Buybacks $0.1M
Q4 '23
Dividends —
Buybacks $0.0M
Q1 '24
Dividends —
Buybacks $0.0M
Q2 '24
Dividends —
Buybacks $0.0M
Q3 '24
Dividends —
Buybacks $0.0M
Q4 '24
Dividends —
Buybacks $0.0M
Q1 '25
Dividends —
Buybacks —
Q2 '25
Dividends —
Buybacks —
Q3 '25
Dividends —
Buybacks —
Q4 '25
Dividends —
Buybacks —
Q1 '26
Dividends —
Buybacks —
Q2 '26
Dividends —
Buybacks —
Dividends
Buybacks
FY16
Diluted shares —
FY17
Diluted shares —
FY18
Diluted shares —
FY19
Diluted shares 0.00B
FY20
Diluted shares 0.00B
FY21
Diluted shares 0.00B
FY22
Diluted shares —
FY23
Diluted shares —
FY24
Diluted shares 0.00B
FY25
Diluted shares 0.00B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY16
Loans $426M
Deposits $739M
FY17
Loans $449M
Deposits $758M
FY18
Loans $472M
Deposits $724M
FY19
Loans $457M
Deposits $724M
FY20
Loans $456M
Deposits $840M
FY21
Loans $453M
Deposits $994M
FY22
Loans $499M
Deposits $950M
FY23
Loans $550M
Deposits $896M
FY24
Loans $557M
Deposits $896M
FY25
Loans $558M
Deposits $923M
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $453M | $499M | $550M | $557M | $558M |
| Deposits | $994M | $950M | $896M | $896M | $923M |
| Loans / deposits | 45.6% | 52.5% | 61.4% | 62.2% | 60.5% |
| Total assets | $1.1B | $1.0B | $975M | $977M | $1.0B |
| Shareholders' equity | $104M | $68.0M | $76.5M | $78.3M | $92.1M |
| Provision / loans | −0.1% | 0.2% | 0.0% | −0.0% | 0.1% |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
10 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $26.1M | $0.7M | $0.7M | $0.7M | $0.6M | $0.6M | $0.6M | $0.6M | $0.6M | $0.6M |
| Net interest income | $22.7M | $24.5M | $25.6M | $26.1M | $24.3M | $24.0M | $27.2M | $26.3M | $27.1M | $29.7M |
| Noninterest income | $3.4M | $3.4M | $3.3M | $5.5M | $5.4M | $4.3M | $6.5M | −$3.0M | $3.5M | $3.1M |
| Noninterest expense | $15.3M | $16.8M | $17.9M | $19.7M | $19.6M | $19.4M | $19.8M | $22.6M | $22.2M | $23.0M |
| Provision for credit losses | −$0.5M | −$0.3M | $0.0M | −$0.3M | $1.1M | −$0.6M | $1.0M | $0.1M | −$0.0M | $0.7M |
| Interest expense | $4.1M | $3.6M | $3.7M | $4.2M | $3.9M | $2.5M | $2.4M | $8.0M | $11.6M | $11.1M |
| Pretax income | $11.3M | $11.5M | $11.0M | $12.1M | $9.1M | $9.4M | $12.8M | $0.6M | $8.4M | $9.2M |
| Income tax | $3.1M | $3.6M | $2.2M | $2.4M | $1.6M | $1.4M | $2.5M | −$0.8M | $2.0M | $2.0M |
| Net income | $8.2M | $7.8M | $8.8M | $9.7M | $7.5M | $8.0M | $10.3M | $1.4M | $6.4M | $7.3M |
| Diluted EPS | $2.24 | $2.15 | $2.42 | $2.72 | $2.09 | $2.27 | — | — | $1.83 | $2.08 |
| Diluted shares | — | — | — | 0.00B | 0.00B | 0.00B | — | — | 0.00B | 0.00B |
| Cash flow | ||||||||||
| Cash from operations | $10.5M | $9.4M | $12.1M | $10.9M | $9.7M | $12.3M | $11.0M | $11.9M | $10.8M | $12.3M |
| Capital expenditure | — | — | — | — | — | $20.2M | $7.0M | $0.4M | $2.1M | $1.5M |
| Free cash flow | — | — | — | — | — | −$7.9M | $3.9M | $11.5M | $8.7M | $10.9M |
| Depreciation and amortization | $1.2M | $1.0M | $0.9M | $1.2M | $1.7M | $1.2M | $1.5M | $1.7M | $1.9M | $2.1M |
| Stock-based compensation | — | — | — | — | — | — | — | — | $0.0M | $0.1M |
| Share buybacks | — | — | $0.0M | $2.7M | $0.0M | $1.6M | $0.5M | $0.2M | $0.0M | — |
| Dividends and buybacks | — | — | $0.0M | $2.7M | $0.0M | $1.6M | $0.5M | $0.2M | $0.0M | — |
| Balance sheet | ||||||||||
| Cash and short-term investments | — | — | — | — | $113M | $156M | $27.3M | $71.4M | $93.4M | $148M |
| Total debt | $3.2M | $3.2M | — | — | — | — | — | — | — | — |
| Loans, net | $426M | $449M | $472M | $457M | $456M | $453M | $499M | $550M | $557M | $558M |
| Deposits | $739M | $758M | $724M | $724M | $840M | $994M | $950M | $896M | $896M | $923M |
| Property and equipment, net | $12.6M | $13.8M | $13.6M | $14.7M | $22.2M | $41.7M | $46.6M | $45.5M | $45.9M | $45.6M |
| Total assets | $832M | $853M | $818M | $828M | $957M | $1.1B | $1.0B | $975M | $977M | $1.0B |
| Total liabilities | $750M | $766M | $729M | $730M | $849M | $1.0B | $956M | $899M | $899M | $927M |
| Preferred stock | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Shareholders' equity | $82.2M | $86.9M | $89.1M | $98.3M | $108M | $104M | $68.0M | $76.5M | $78.3M | $92.1M |
| Margins | ||||||||||
| Net margin | 31.2% | 1,051.7% | 1,179.4% | 1,358.6% | 1,274.2% | 1,420.3% | 1,730.1% | 231.3% | 1,041.9% | 1,172.1% |
| FCF margin | — | — | — | — | — | −1,387.8% | 657.4% | 1,904.5% | 1,420.2% | 1,755.1% |
| Net interest share of revenue | 87.0% | 3,287.7% | 3,413.9% | 3,635.1% | 4,160.3% | 4,238.5% | 4,542.8% | 4,366.2% | 4,417.8% | 4,793.9% |
| Efficiency ratio | 58.8% | 2,249.9% | 2,386.4% | 2,747.1% | 3,342.6% | 3,433.4% | 3,314.9% | 3,746.9% | 3,610.1% | 3,707.8% |
| Returns | ||||||||||
| Return on equity | 9.9% | 9.3% | 10.0% | 10.4% | 7.2% | 7.6% | 12.0% | 1.9% | 8.3% | 8.5% |
| Return on assets | 1.0% | 0.9% | 1.1% | 1.2% | 0.8% | 0.8% | 1.0% | 0.1% | 0.7% | 0.7% |
| Return on tangible equity | 9.9% | 9.0% | 9.9% | 9.9% | 6.9% | 7.8% | 15.2% | 1.8% | 8.2% | 7.9% |
| Growth | ||||||||||
| Revenue growth | — | −97.1% | 0.4% | −4.3% | −18.4% | −3.2% | 5.7% | 0.8% | 1.8% | 0.8% |
| Net income growth | — | −3.7% | 12.6% | 10.3% | −23.5% | 7.8% | 28.7% | −86.5% | 358.6% | 13.4% |
| EPS growth | — | −4.0% | 12.6% | 12.4% | −23.2% | 8.6% | — | — | — | 13.7% |
| FCF growth | — | — | — | — | — | — | — | 192.1% | −24.1% | 24.6% |
| Share count change | — | — | — | — | −0.4% | −0.6% | — | — | — | 0.0% |
| Financial health | ||||||||||
| Debt / equity | 0.0x | 0.0x | — | — | — | — | — | — | — | — |
| Loans / deposits | 57.7% | 59.2% | 65.2% | 63.0% | 54.3% | 45.6% | 52.5% | 61.4% | 62.2% | 60.5% |
| Provision / loans | −0.1% | −0.1% | 0.0% | −0.1% | 0.2% | −0.1% | 0.2% | 0.0% | −0.0% | 0.1% |
| Capital allocation | ||||||||||
| Capex / revenue | — | — | — | — | — | 3,564.5% | 1,178.8% | 69.3% | 340.2% | 239.9% |
| Stock comp / revenue | — | — | — | — | — | — | — | — | 0.0% | 10.0% |
| Payouts / FCF | — | — | — | — | — | — | 12.8% | 2.0% | 0.0% | — |
| Quality scores | ||||||||||
| Accruals ratio | −0.3% | −0.2% | −0.4% | −0.1% | −0.3% | −0.4% | −0.1% | −1.1% | −0.5% | −0.5% |
Source: SEC EDGAR XBRL filings (CIK 0000750574). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.