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Upturn AI SWOT - About
AUBN 
Auburn National Bancorporation Inc (AUBN)
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Upturn Advisory Summary
04/01/2025: AUBN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -24.58% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 79.66M USD | Price to earnings Ratio 91.2 | 1Y Target Price - |
Price to earnings Ratio 91.2 | 1Y Target Price - | ||
Volume (30-day avg) 1714 | Beta 0.56 | 52 Weeks Range 15.77 - 25.07 | Updated Date 03/31/2025 |
52 Weeks Range 15.77 - 25.07 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 4.91% | Basic EPS (TTM) 0.25 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 3.7% | Operating Margin (TTM) 29.15% |
Management Effectiveness
Return on Assets (TTM) 0.08% | Return on Equity (TTM) 1.17% |
Valuation
Trailing PE 91.2 | Forward PE - | Enterprise Value -10173663 | Price to Sales(TTM) 2.47 |
Enterprise Value -10173663 | Price to Sales(TTM) 2.47 | ||
Enterprise Value to Revenue 2.47 | Enterprise Value to EBITDA - | Shares Outstanding 3493700 | Shares Floating 2214411 |
Shares Outstanding 3493700 | Shares Floating 2214411 | ||
Percent Insiders 34.87 | Percent Institutions 8.64 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Auburn National Bancorporation Inc
Company Overview
History and Background
Auburn National Bancorporation, Inc. was founded in 1907 as The Farmers National Bank of Auburn. It has grown to become a community-focused bank serving east Alabama. Key milestones include expansion through acquisitions and organic growth.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial loans, lines of credit, and treasury management services.
- Retail Banking: Offers a variety of deposit accounts, consumer loans, and other financial services to individuals and households.
- Wealth Management: Provides trust, investment management, and financial planning services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure includes various departments responsible for lending, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including real estate, equipment, and working capital. Market share is competitive within the east Alabama region. Competitors include larger regional and national banks.
- Residential Mortgages: Loans to individuals for purchasing or refinancing homes. Market share is regional, with competition from mortgage companies and other banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share is influenced by local competition and interest rate offerings.
Market Dynamics
Industry Overview
The banking industry is currently experiencing increased competition, rising interest rates, and evolving regulatory landscape. Community banks are facing pressure to innovate and adapt to changing customer preferences.
Positioning
Auburn National Bancorporation is positioned as a community-focused bank with strong relationships in the east Alabama region. Its competitive advantage lies in its local expertise and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in east Alabama is estimated to be in the billions of dollars. Auburn National Bancorporation is positioned to capture a portion of this market through its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer relationships
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Dependence on local economy
- Smaller scale compared to larger competitors
Opportunities
- Expand into new markets
- Acquire other community banks
- Offer new products and services
- Invest in technology
Threats
- Increased competition
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Regions Financial Corp (RF)
- Synovus Financial Corp (SNV)
- Truist Financial Corporation (TFC)
Competitive Landscape
Auburn National Bancorporation competes with larger regional and national banks, as well as other community banks and credit unions. Its advantage lies in its local focus and customer service, while disadvantages include a smaller scale and limited resources.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Requires current financial data from filings.
Future Projections: Requires analyst estimates to be included.
Recent Initiatives: Auburn National Bancorporation has recently focused on enhancing its digital banking capabilities and expanding its commercial lending business.
Summary
Auburn National Bancorporation is a community-focused bank with a strong presence in east Alabama. Its strengths include its customer relationships and local expertise, while weaknesses include its limited geographic reach and smaller scale. The bank faces threats from increased competition and economic uncertainty, but also has opportunities to expand and innovate. Overall, AUBN has solid regional fundamental strength, but it must be weary of its larger competition.
Similar Companies
- RF
- SNV
- TFC
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Market research reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Auburn National Bancorporation Inc
Exchange NASDAQ | Headquaters Auburn, AL, United States | ||
IPO Launch date 1995-07-24 | President, CEO & Director Mr. David A. Hedges CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 145 | Website https://www.auburnbank.com |
Full time employees 145 | Website https://www.auburnbank.com | ||
Auburn National Bancorporation, Inc. operates as the bank holding company for AuburnBank that provides various banking products and services in East Alabama. It offers checking, savings, and transaction deposit accounts, as well as certificates of deposit. The company also provides commercial, financial, agricultural, real estate construction, and consumer loan products; and other financial services. In addition, it offers automated teller services; debit cards; online banking, bill payment, and other electronic banking services; and safe deposit boxes. Auburn National Bancorporation, Inc. was founded in 1907 and is headquartered in Auburn, Alabama.
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