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
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- NII(Q) Highest at USD 7.89 MM
- OPERATING CASH FLOW(Y) Highest at USD 11.49 MM
- ROCE(HY) Highest at 0.79%
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 -0.19%, 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 1.03% over the previous quarter and collectively hold 16.69% 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
- Even though the market (S&P 500) has generated returns of 16.00% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -0.19% returns
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, High Return
Absolute
Risk Adjusted
Volatility
Auburn National Bancorporation, Inc.
-1.97%
1.14
39.15%
S&P 500
15.76%
1.22
13.15%
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 Trend15What is working for the Company
NII(Q)
Highest at USD 7.89 MM
OPERATING CASH FLOW(Y)
Highest at USD 11.49 MM
ROCE(HY)
Highest at 0.79%
GROSS NPA (%)
(Q
NET SALES(Q)
Highest at USD 10.58 MM
OPERATING PROFIT(Q)
Highest at USD 2.91 MM
OPERATING PROFIT MARGIN(Q)
Highest at 27.5 %
PRE-TAX PROFIT(Q)
Highest at USD 2.91 MM
NET PROFIT(Q)
Highest at USD 2.3 MM
EPS(Q)
Highest at USD 0.66
-6What is not working for the Company
ROCE(HY)
Lowest at 0.79%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 41.03%
CASH AND EQV(HY)
Lowest at USD 33.85 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 58.67%
Here's what is working for Auburn National Bancorporation, Inc.
NII
Highest at USD 7.89 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Non Performing Loans (%)
Lowest at 0.01%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Cash Flow
Highest at USD 11.49 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 10.58 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 2.91 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 27.5 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 2.91 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 2.3 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.66
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Auburn National Bancorporation, Inc.
Cash and Eqv
Lowest at USD 33.85 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 58.67%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Lowest at 41.03%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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