Is Auburn National Bancorporation, Inc. overvalued or undervalued?

As of 7 July 2025, the valuation grade for Auburn National Bancorporation, Inc. has moved from attractive to fair, indicating a shift in its perceived value. The company appears to be fairly valued at this time. Key valuation ratios include a P/E ratio of 13, a Price to Book Value of 1.02, and an impressive Dividend Yield of 335.27%. Comparatively, Investar Holding Corp. has a lower P/E of 9.99, while Citizens Community Bancorp, Inc. shows a P/E of 13.08, highlighting a mixed competitive landscape.
In terms of recent performance, Auburn National Bancorporation has outperformed the S&P 500 over the past year with a return of 34.76% compared to the index's 17.14%, although it has significantly lagged over the longer term, particularly in the 5-year period with a return of -33.12% versus 96.61% for the S&P 500. This disparity suggests that while the company may be fairly valued now, its long-term growth prospects remain a concern.