Is Auburn National Bancorporation, Inc. overvalued or undervalued?

As of 14 November 2025, the valuation grade for Auburn National Bancorporation, Inc. moved from expensive to fair. The company is currently fairly valued, with a P/E ratio of 13, a Price to Book Value of 1.02, and an impressive Dividend Yield of 335.27%. In comparison to peers, Investar Holding Corp. has a P/E of 9.99, while First Savings Financial Group, Inc. shows a P/E of 9.54, indicating that Auburn's valuation is competitive within its industry.
Despite its fair valuation, Auburn National Bancorporation has underperformed against the S&P 500 in the longer term, particularly over the past three and five years, with returns of 7.69% and -35.53%, respectively, compared to the S&P 500's 70.17% and 87.83%. However, the one-year return of 14.55% does suggest some recent recovery relative to the index's 13.19%.