Auburn National Bancorporation Inc (AUBN) - Net Assets
Based on the latest financial reports, Auburn National Bancorporation Inc (AUBN) has net assets worth $92.05 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.02 Billion) and total liabilities ($926.74 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check AUBN financial resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $92.05 Million |
| % of Total Assets | 9.04% |
| Annual Growth Rate | 4.88% |
| 5-Year Change | -11.25% |
| 10-Year Change | 12.02% |
| Growth Volatility | 9.88 |
Auburn National Bancorporation Inc - Net Assets Trend (1996–2025)
This chart illustrates how Auburn National Bancorporation Inc's net assets have evolved over time, based on quarterly financial data. Also explore Auburn National Bancorporation Inc balance sheet assets for the complete picture of this company's asset base.
Annual Net Assets for Auburn National Bancorporation Inc (1996–2025)
The table below shows the annual net assets of Auburn National Bancorporation Inc from 1996 to 2025. For live valuation and market cap data, see market value of Auburn National Bancorporation Inc.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $92.05 Million | +17.58% |
| 2024-12-31 | $78.29 Million | +2.33% |
| 2023-12-31 | $76.51 Million | +12.44% |
| 2022-12-31 | $68.04 Million | -34.40% |
| 2021-12-31 | $103.73 Million | -3.68% |
| 2020-12-31 | $107.69 Million | +9.52% |
| 2019-12-31 | $98.33 Million | +10.41% |
| 2018-12-31 | $89.06 Million | +2.47% |
| 2017-12-31 | $86.91 Million | +5.75% |
| 2016-12-31 | $82.18 Million | +2.79% |
| 2015-12-31 | $79.95 Million | +5.48% |
| 2014-12-31 | $75.80 Million | +17.55% |
| 2013-12-31 | $64.48 Million | -8.07% |
| 2012-12-31 | $70.15 Million | +7.24% |
| 2011-12-31 | $65.42 Million | +16.05% |
| 2010-12-31 | $56.37 Million | +0.33% |
| 2009-12-31 | $56.18 Million | -1.65% |
| 2008-12-31 | $57.13 Million | +7.75% |
| 2007-12-31 | $53.02 Million | +9.50% |
| 2006-12-31 | $48.42 Million | +10.15% |
| 2005-12-31 | $43.95 Million | -1.23% |
| 2004-12-31 | $44.50 Million | +10.14% |
| 2003-12-31 | $40.41 Million | +2.09% |
| 2002-12-31 | $39.58 Million | +10.46% |
| 2001-12-31 | $35.83 Million | +12.67% |
| 2000-12-31 | $31.81 Million | +11.99% |
| 1999-12-31 | $28.40 Million | -1.73% |
| 1998-12-31 | $28.90 Million | +11.15% |
| 1997-12-31 | $26.00 Million | +12.55% |
| 1996-12-31 | $23.10 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Auburn National Bancorporation Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 499.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $119.24 Million | 129.54% |
| Common Stock | $39.00K | 0.04% |
| Other Comprehensive Income | $-19.39 Million | -21.06% |
| Total Equity | $92.05 Million | 100.00% |
Auburn National Bancorporation Inc Competitors by Market Cap
The table below lists competitors of Auburn National Bancorporation Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Intercont (Cayman) Limited Ordinary shares
NASDAQ:NCT
|
$82.50 Million |
|
Daejoo Inc
KQ:003310
|
$82.51 Million |
|
Afarak Group Oyj
HE:AFAGR
|
$82.51 Million |
|
Safe Pro Group Inc.
NASDAQ:SPAI
|
$82.51 Million |
|
Morn Sun Feed Mill Corp
TWO:1240
|
$82.50 Million |
|
KP Tissue Inc
TO:KPT
|
$82.39 Million |
|
Xtract One Technologies Inc.
TO:XTRA
|
$82.38 Million |
|
EMEK Elektrik Endustrisi AS
IS:EMKEL
|
$82.38 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Auburn National Bancorporation Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 78,292,000 to 92,053,000, a change of 13,761,000 (17.6%).
- Net income of 7,255,000 contributed positively to equity growth.
- Dividend payments of 3,773,000 reduced retained earnings.
- Other comprehensive income increased equity by 10,217,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $7.25 Million | +7.88% |
| Dividends Paid | $3.77 Million | -4.1% |
| Other Comprehensive Income | $10.22 Million | +11.1% |
| Other Changes | $62.00K | +0.07% |
| Total Change | $- | 17.58% |
Book Value vs Market Value Analysis
This analysis compares Auburn National Bancorporation Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.90x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 4.09x to 0.90x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1996-12-31 | $5.78 | $23.60 | x |
| 1997-12-31 | $6.63 | $23.60 | x |
| 1998-12-31 | $7.36 | $23.60 | x |
| 1999-12-31 | $7.22 | $23.60 | x |
| 2000-12-31 | $8.10 | $23.60 | x |
| 2001-12-31 | $9.17 | $23.60 | x |
| 2002-12-31 | $10.16 | $23.60 | x |
| 2003-12-31 | $10.37 | $23.60 | x |
| 2004-12-31 | $11.50 | $23.60 | x |
| 2005-12-31 | $11.47 | $23.60 | x |
| 2006-12-31 | $12.82 | $23.60 | x |
| 2007-12-31 | $14.27 | $23.60 | x |
| 2008-12-31 | $15.55 | $23.60 | x |
| 2009-12-31 | $15.41 | $23.60 | x |
| 2010-12-31 | $15.47 | $23.60 | x |
| 2011-12-31 | $17.96 | $23.60 | x |
| 2012-12-31 | $19.26 | $23.60 | x |
| 2013-12-31 | $17.70 | $23.60 | x |
| 2014-12-31 | $20.81 | $23.60 | x |
| 2015-12-31 | $21.94 | $23.60 | x |
| 2016-12-31 | $22.55 | $23.60 | x |
| 2017-12-31 | $23.85 | $23.60 | x |
| 2018-12-31 | $24.44 | $23.60 | x |
| 2019-12-31 | $27.46 | $23.60 | x |
| 2020-12-31 | $30.20 | $23.60 | x |
| 2021-12-31 | $29.26 | $23.60 | x |
| 2022-12-31 | $19.38 | $23.60 | x |
| 2023-12-31 | $21.87 | $23.60 | x |
| 2024-12-31 | $22.41 | $23.60 | x |
| 2025-12-31 | $26.34 | $23.60 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Auburn National Bancorporation Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.88%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 22.12%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 11.07x
- Recent ROE (7.88%) is below the historical average (10.37%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1996 | 12.12% | 14.00% | 0.08x | 11.17x | $490.00K |
| 1997 | 11.92% | 14.16% | 0.08x | 10.15x | $500.00K |
| 1998 | 11.76% | 14.05% | 0.08x | 10.65x | $510.00K |
| 1999 | 10.21% | 10.18% | 0.08x | 13.29x | $60.00K |
| 2000 | 9.48% | 8.98% | 0.08x | 12.72x | $-166.49K |
| 2001 | 12.78% | 12.78% | 0.08x | 13.24x | $994.82K |
| 2002 | 12.77% | 15.25% | 0.07x | 12.76x | $1.10 Million |
| 2003 | 13.41% | 17.09% | 0.05x | 14.60x | $1.38 Million |
| 2004 | 14.63% | 19.09% | 0.06x | 13.28x | $2.06 Million |
| 2005 | 14.72% | 17.83% | 0.06x | 13.84x | $2.07 Million |
| 2006 | 13.60% | 16.35% | 0.06x | 13.12x | $1.74 Million |
| 2007 | 13.05% | 15.91% | 0.06x | 12.99x | $1.62 Million |
| 2008 | 11.62% | 15.59% | 0.06x | 13.06x | $924.20K |
| 2009 | 4.28% | 6.02% | 0.05x | 13.77x | $-3.21 Million |
| 2010 | 9.48% | 13.30% | 0.05x | 13.55x | $-290.80K |
| 2011 | 8.47% | 15.43% | 0.05x | 11.87x | $-1.00 Million |
| 2012 | 9.64% | 17.10% | 0.05x | 10.83x | $-251.90K |
| 2013 | 11.04% | 21.10% | 0.04x | 11.65x | $669.50K |
| 2014 | 9.83% | 24.22% | 0.04x | 10.41x | $-131.90K |
| 2015 | 9.83% | 24.80% | 0.04x | 10.22x | $-136.90K |
| 2016 | 9.92% | 26.99% | 0.04x | 10.12x | $-67.70K |
| 2017 | 9.03% | 24.86% | 0.04x | 9.82x | $-844.60K |
| 2018 | 9.92% | 27.12% | 0.04x | 9.19x | $-71.50K |
| 2019 | 9.91% | 27.25% | 0.04x | 8.42x | $-91.80K |
| 2020 | 6.92% | 22.21% | 0.04x | 8.88x | $-3.31 Million |
| 2021 | 7.75% | 26.10% | 0.03x | 10.65x | $-2.33 Million |
| 2022 | 15.21% | 31.53% | 0.03x | 15.05x | $3.54 Million |
| 2023 | 1.82% | 4.44% | 0.03x | 12.75x | $-6.26 Million |
| 2024 | 8.17% | 15.16% | 0.04x | 12.48x | $-1.43 Million |
| 2025 | 7.88% | 22.12% | 0.03x | 11.07x | $-1.95 Million |
Industry Comparison
This section compares Auburn National Bancorporation Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $260,431,200
- Average return on equity (ROE) among peers: 10.53%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Auburn National Bancorporation Inc (AUBN) | $92.05 Million | 12.12% | 10.07x | $82.50 Million |
| Ameris Bancorp (ABCB) | $63.00 Million | 11.43% | 9.69x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $71.80 Million | 9.61% | 9.10x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $45.08 Million | 2.57% | 4.16x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $707.65 Million | 15.04% | 10.67x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $949.39 Million |
| Arrow Financial Corporation (AROW) | $334.39 Million | 12.21% | 10.03x | $598.55 Million |
| Associated Banc-Corp (ASB) | $138.60 Million | 13.85% | 12.49x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $115.24 Million | 4.87% | 11.62x | $62.60 Million |
About Auburn National Bancorporation Inc
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 servi… Read more