ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Auburn National Bancorporation, Inc. ?
1
The Bank has a high Capital Adequacy Ratio of 15.92% signifying high buffers against its risk based assets
2
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 11.98 MM
- NII(Q) Highest at USD 7.73 MM
- ROCE(HY) Highest at 0.78%
3
With ROA of 0.39%, it has a attractive valuation with a 1.02 Price to Book Value
- Over the past year, while the stock has generated a return of 9.25%, its profits have risen by 13.4% ; the PEG ratio of the company is 1
4
Increasing Participation by Institutional Investors
- Institutional investors have increased their stake by 0.91% over the previous quarter and collectively hold 15.66% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
5
Underperformed the market in the last 1 year
- The stock has generated a return of 9.25% in the last 1 year, much lower than market (S&P 500) returns of 25.22%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Auburn National Bancorporation, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Auburn National Bancorporation, Inc. for you?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Auburn National Bancorporation, Inc.
9.25%
0.83
42.12%
S&P 500
22.24%
1.91
13.23%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.66%
EBIT Growth (5y)
-4.36%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
52.03%
Pledged Shares
0
Institutional Holding
15.66%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.02
EV to EBIT
-7.69
EV to EBITDA
-5.92
EV to Capital Employed
0.97
EV to Sales
-1.34
PEG Ratio
0.96
Dividend Yield
3.01%
ROCE (Latest)
-12.58%
ROE (Latest)
7.88%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Sideways
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 11.98 MM
NII(Q)
Highest at USD 7.73 MM
ROCE(HY)
Highest at 0.78%
-3What is not working for the Company
ROCE(HY)
Lowest at 0.78%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 42.95%
Here's what is working for Auburn National Bancorporation, Inc.
NII
Highest at USD 7.73 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 11.98 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Here's what is not working for Auburn National Bancorporation, Inc.
Dividend Payout Ratio
Lowest at 42.95%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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