Auburn National Bancorp Inc
AUBNFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:52 PM ET
Price
AUBN against its 20, 50 and 200-day averages12.0% under the 52-week high of 28.88 on 26 Jun 2026. 52-week low 21.01 on 20 Mar 2026. Last 15 sessions, 18.2% high to low
Volume 0.04× normal · the line is the 50-bar volume average
Profile
AUBNAuburn National Bancorporation, Inc. is a bank holding company. It engages in the provision of banking services to commercial and retail customers. The firm operates through the following segments: Commercial and Industrial, Construction and Land Development, Commercial Real Estate, Residential Real Estate, and Consumer Installment. The Commercial and Industrial segment includes loans to finance business operations, equipment purchases, or other needs for small and medium-sized commercial customers. The Construction and Land Development segment is comprised of both loans and credit lines for the purpose of purchasing, carrying and developing land into commercial developments or residential subdivisions. The Commercial and Industrial segment provides loans disaggregated into three classes: owner occupied, multi-family and other. The Residential Real Estate segment is involved in consumer mortgage and investment property. The Consumer Installment segment encompasses loans to individuals both secured by personal property and unsecured. The company was founded in 1990 and is headquartered in Auburn, AL.
| Employees | 145 |
|---|---|
| IPO | Aug 03, 1995 |
| Beta | 0.47 |
| ATR, 14d | 0.64 |
| Rel volume | 0.04 |
| Short float | 0.22% |
| Insider own | 30.36% |
| Inst own | 11.60% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 88.37M |
| Enterprise Value | - |
| Income | 8.68M |
| Sales | 45.59M |
| Book/sh | 25.74 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 1.08 (4.25%) |
| Dividend Ex-Date | Sep 10, 2026 |
| Dividend Gr. 3/5Y | 0.63% 1.15% |
| Payout | 52.03% |
| Employees | 145 |
| IPO | Aug 03, 1995 |
Ratios
| P/E | 10.21 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 1.94 |
| P/B | 0.99 |
| P/C | - |
| P/FCF | 8.33 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.10 |
| Debt/Eq | 0.00 |
| LT Debt/Eq | 0.00 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 2.49 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | -11.02% -0.14% |
| Sales past 3/5Y | 10.17% 5.51% |
| EPS Y/Y TTM | 21.56% |
| Sales Y/Y TTM | 4.68% |
| EPS Q/Q | 13.64% |
| Sales Q/Q | 4.47% |
| Earnings | - |
| EPS/Sales Surpr. | 58.00% -3.09% |
Ownership
| Insider Own | 30.36% |
|---|---|
| Insider Trans | 0.04% |
| Inst Own | 11.60% |
| Inst Trans | -3.58% |
| ROA | 0.86% |
| ROE | 9.69% |
| ROIC | 9.69% |
| Gross Margin | - |
| Oper. Margin | 24.07% |
| Profit Margin | 19.05% |
| SMA20 | -2.79% |
| SMA50 | -3.81% |
| SMA200 | -0.05% |
| Trades | - |
Technical
| Shs Outstand | 3.48M |
|---|---|
| Shs Float | 2.42M |
| Short Float | 0.22% |
| Short Ratio | 2.53 |
| Short Interest | 0.01M |
| 52W High | 28.88 -12.05% |
| 52W Low | 21.01 20.89% |
| Volatility | 0.84% 1.76% |
| ATR (14) | 0.64 |
| RSI (14) | 42.69 |
| Beta | 0.47 |
| Rel Volume | 0.04 |
| Avg Volume | 2.12K |
| Volume | 83 |
Performance
| Perf Week | -1.93% |
|---|---|
| Perf Month | -3.79% |
| Perf Quarter | -4.15% |
| Perf Half Y | 7.04% |
| Perf YTD | -5.75% |
| Perf Year | -0.78% |
| Perf 3Y | 23.73% |
| Perf 5Y | -23.91% |
| Perf 10Y | -8.10% |
| Recom | - |
| Target Price | - |
| Prev Close | 25.35 |
| Price | 25.40 |
| Change % | 0.20% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| FUSB | First US Bancshares Inc | 84.35M |
| FGBI | First Guaranty Bancshares Inc | 217.46M |
| BOTJ | Bank of the James Financial Group Inc | 115.36M |
| HFBL | Home Federal Bancorp Inc (Louisiana) | 72.73M |
| PEBK | Peoples Bancorp Of North Carolina Inc | 235.55M |
| CLST | Catalyst Bancorp Inc | 69.96M |
| FCCO | First Community Corp | 307.19M |
| CBAN | Colony Bankcorp Inc | 556.57M |
| CCBG | Capital City Bank Group Inc | 875.46M |
| SMBK | SmartFinancial Inc | 820.62M |
Insider trading
latest 14 of 29| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| O'DONNELL SHANNON | Senior Vice President | Sep 30 '26 | Buy | 27.53 | 27 | 743 | 1,929 | Oct 02 06:44 PM |
| HOUSEL DAVID E | Director | Sep 30 '26 | Buy | 27.49 | 51 | 1,402 | 9,368 | Oct 02 06:44 PM |
| Barrett J Tutt | Director | Sep 30 '26 | Buy | 27.50 | 73 | 2,007 | 9,346 | Oct 02 06:43 PM |
| HAM WILLIAM F JR | Director | Sep 30 '26 | Buy | 27.41 | 47 | 1,288 | 5,150 | Oct 02 06:43 PM |
| O'DONNELL SHANNON | Senior Vice President | Jul 02 '26 | Buy | 26.54 | 27 | 717 | 1,902 | Jul 02 05:53 PM |
| HOUSEL DAVID E | Director | Jul 02 '26 | Buy | 26.63 | 53 | 1,411 | 9,317 | Jul 02 05:44 PM |
| HAM WILLIAM F JR | Director | Jul 02 '26 | Buy | 26.74 | 57 | 1,524 | 5,094 | Jul 02 05:38 PM |
| Barrett J Tutt | Director | Jul 02 '26 | Buy | 26.62 | 74 | 1,970 | 9,273 | Jul 02 05:26 PM |
| Hedges David A | President\CEO | May 06 '26 | Buy | 23.75 | 1,000 | 23,750 | 14,401 | May 07 05:38 PM |
| HOUSEL DAVID E | Director | May 05 '26 | Buy | 23.96 | 150 | 3,594 | 9,264 | May 06 05:44 PM |
| Conn Walton T Jr. | Director | Apr 30 '26 | Buy | 23.89 | 200 | 4,779 | 1,463 | Apr 30 02:02 PM |
| Conn Walton T Jr. | Director | Apr 30 '26 | Buy | 23.90 | 150 | 3,584 | 1,718 | Apr 30 02:02 PM |
| O'DONNELL SHANNON | Senior Vice President | Apr 14 '26 | Buy | 23.61 | 30 | 708 | 1,875 | Apr 15 01:03 PM |
| HOUSEL DAVID E | Director | Apr 14 '26 | Buy | 23.58 | 58 | 1,368 | 9,114 | Apr 15 11:45 AM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.44B |
| DFMC | U.S. Micro Cap Portfolio ETF Class Shares | AUM: 212.10M |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | AUM: 49.14B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| BUSM | EA Bridgeway Ultra-Small Company Market ETF | AUM: 111.21M |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.51B |
| DCOR | US Core Equity 1 Portfolio ETF Class Shares | AUM: 3.65B |
| DXUV | US Vector Equity Portfolio ETF Class Shares | AUM: 665.71M |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | AUM: 14.47B |
News
latest 14 of 200- Auburn National Bancorporation, Inc. Declares Quarterly Dividend (GlobeNewswire)
- Auburn National: Q3 Earnings Snapshot (Associated Press)
- Auburn National Bancorporation, Inc. Reports Third Quarter Net Earnings (GlobeNewswire)
- Auburn National Bancorporation, Inc. Declares Quarterly Dividend (GlobeNewswire)
- Auburn National: Q2 Earnings Snapshot (Associated Press)
- Auburn National Bancorporation, Inc. Reports Second Quarter Net Earnings (GlobeNewswire)
- Auburn National Bancorporation, Inc. Declares Quarterly Dividend (GlobeNewswire)
- Auburn National: Q1 Earnings Snapshot (Associated Press)
- Auburn National Bancorporation, Inc. Reports First Quarter Net Earnings (GlobeNewswire)
- Auburn National Bancorporation, Inc. Elects New Director (GlobeNewswire)
- Auburn National Bancorporation Authorizes Stock Repurchase Program (GlobeNewswire) +5.29%
- Auburn National Bancorporation, Inc. Declares Quarterly Dividend (GlobeNewswire)
- Auburn National: Q4 Earnings Snapshot (Associated Press Finance)
- Auburn National Bancorporation, Inc. Reports Fourth Quarter and Full Year Results (GlobeNewswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-04-28 | - | - | 0.629 | - | - | - |
| 2025Q4 | 2026-01-27 | - | - | 0.476 | - | - | - |
| 2025Q3 | 2025-10-23 | - | - | 0.637 | - | - | - |
| 2025Q2 | 2025-07-22 | - | - | 0.525 | - | - | - |
| 2025Q1 | 2025-04-22 | - | - | 0.438 | - | - | - |
| 2023Q4 | 2025-01-28 | - | - | -1.141 | - | - | - |
| 2024Q3 | 2024-10-22 | - | - | 0.496 | - | - | - |
| 2024Q2 | 2024-07-23 | - | - | 0.496 | - | - | - |
| 2023Q1 | 2024-04-24 | - | - | 0.561 | - | - | - |
| 2023Q3 | 2023-10-26 | - | - | 0.426 | - | - | - |
| 2023Q2 | 2023-07-25 | - | - | 0.551 | - | - | - |
| 2022Q4 | 2023-01-30 | - | - | 1.274 | - | - | - |
| 2022Q3 | 2022-10-25 | - | - | 0.570 | - | - | - |
| 2022Q2 | 2022-07-26 | - | - | 0.513 | - | - | - |
| 2022Q1 | 2022-04-26 | - | - | 0.591 | - | - | - |
| 2021Q4 | 2022-01-27 | - | - | 0.531 | - | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2010FY | 1.580 | 1.000 | 1.470 | 26.17 | 27.00 |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 2.153 | 2.424 | 2.72 | 2.09 | 2.268 | 2.947 | 0.399 | 1.831 | 2.076 | 2.4868 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.496 | 0.447 | 0.438 | 0.525 | 0.637 | 0.476 | 0.629 | 0.658 | 0.724 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 31.561 | 32.571 | 35.741 | 33.569 | 30.795 | 32.817 | 31.393 | 42.206 | 43.887 | 45.59 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 10.805 | 10.805 | 10.608 | 10.9 | 11.241 | 11.138 | 11.254 | 11.458 | 11.743 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 3.644 | 3.644 | 3.566 | 3.566 | 3.52 | 3.503 | 3.494 | 3.494 | 3.494 | 3.48 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 3.494 | 3.494 | 3.494 | 3.494 | 3.494 | 3.494 | 3.496 | 3.488 | 3.48 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 42.09 | 40.77 | 38.73 | 34.37 | 29.55 | 26.51 | 28.19 | 30.25 | 29.25 |
| Total Interest Expense | 10.75 | 11.09 | 11.61 | 8.05 | 2.38 | 2.52 | 3.86 | 4.18 | 3.68 |
| Net Interest Income | 31.35 | 29.67 | 27.12 | 26.33 | 27.17 | 23.99 | 24.34 | 26.06 | 25.57 |
| Loan Loss Provision | 0.41 | 0.63 | 0.04 | 0.14 | 1.00 | -0.60 | 1.10 | -0.25 | 0.00 |
| Net Interest Income After Loan Loss Provision | 30.94 | 29.04 | 27.09 | 26.19 | 26.17 | 24.59 | 23.24 | 26.31 | 25.57 |
| Non-Interest Income | 3.50 | 3.12 | 3.47 | -2.98 | 3.27 | 4.29 | 5.38 | 5.49 | 3.33 |
| Non-Interest Expense | 23.46 | 22.95 | 22.17 | 22.59 | 19.82 | 19.43 | 19.55 | 19.70 | 17.87 |
| Operating Income | 10.97 | 9.21 | 8.40 | 0.62 | 9.62 | 9.45 | 9.06 | 12.11 | 11.02 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 10.97 | 9.21 | 8.40 | 0.62 | 12.85 | 9.45 | 9.06 | 12.11 | 11.02 |
| Income Taxes | 2.29 | 1.96 | 2.00 | -0.78 | 2.50 | 1.41 | 1.60 | 2.37 | 2.19 |
| Consolidated Net Income | 8.68 | 7.25 | 6.40 | 1.40 | 10.35 | 8.04 | 7.45 | 9.74 | 8.83 |
| Net Income From Continuing Operations | 8.68 | 7.25 | 6.40 | 1.40 | 10.35 | 8.04 | 7.45 | 9.74 | 8.83 |
| Net Income | 8.68 | 7.25 | 6.40 | 1.40 | 10.35 | 8.04 | 7.45 | 9.74 | 8.83 |
| EPS (Recurring) | 2.49 | 2.08 | 1.83 | 0.40 | 2.95 | 2.27 | 2.09 | 2.72 | 2.42 |
| EPS (Basic, Before Extraordinaries) | 2.49 | 2.08 | 1.83 | 0.40 | 2.95 | 2.27 | 2.09 | 2.72 | 2.42 |
| EPS (Diluted) | 2.49 | 2.08 | 1.83 | 0.40 | 2.95 | 2.27 | 2.09 | 2.72 | 2.42 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 3.23 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price To Earnings Ratio | 10.19 | 10.19 | 96.35 | 7.57 | 10.43 | 14.25 | 19.95 | 19.49 | 13.06 |
| Price To Sales Ratio | 2.01 | 2.15 | 1.94 | 2.37 | 2.46 | 3.72 | 4.43 | 5.31 | 3.54 |
| Operating Margin | 24.07 | 20.99 | 19.90 | 1.97 | 29.30 | 30.67 | 26.99 | 33.89 | 33.84 |
| Net Margin | 19.05 | 16.53 | 15.16 | 4.44 | 31.53 | 26.10 | 22.21 | 27.25 | 27.12 |
| Shares Outstanding | 3.48 | 3.49 | 3.49 | 3.49 | 3.50 | 3.52 | 3.57 | 3.57 | 3.64 |
| Market Capitalization | 88.20 | 88.20 | 82.07 | 74.34 | 80.60 | 113.94 | 148.68 | 189.00 | 115.37 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 10.77 | 10.58 | 10.36 | 10.38 | 10.41 | 10.11 | 9.86 | 9.96 |
| Total Interest Expense | 2.75 | 2.69 | 2.63 | 2.67 | 2.84 | 2.77 | 2.82 | 2.99 |
| Net Interest Income | 8.01 | 7.89 | 7.73 | 7.71 | 7.57 | 7.34 | 7.04 | 6.97 |
| Loan Loss Provision | -0.05 | -0.25 | -0.08 | 0.78 | -0.26 | 0.11 | -0.01 | -0.05 |
| Net Interest Income After Loan Loss Provision | 8.06 | 8.14 | 7.81 | 6.93 | 7.83 | 7.23 | 7.05 | 7.02 |
| Non-Interest Income | 0.97 | 0.88 | 0.89 | 0.75 | 0.83 | 0.79 | 0.75 | 0.84 |
| Non-Interest Expense | 5.89 | 6.11 | 5.90 | 5.56 | 5.81 | 5.70 | 5.88 | 5.47 |
| Operating Income | 3.14 | 2.91 | 2.80 | 2.12 | 2.85 | 2.32 | 1.92 | 2.39 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 3.14 | 2.91 | 2.80 | 2.12 | 2.85 | 2.32 | 1.92 | 2.39 |
| Income Taxes | 0.62 | 0.61 | 0.60 | 0.46 | 0.62 | 0.48 | 0.39 | 0.83 |
| Consolidated Net Income | 2.52 | 2.30 | 2.20 | 1.67 | 2.23 | 1.83 | 1.53 | 1.56 |
| Net Income From Continuing Operations | 2.52 | 2.30 | 2.20 | 1.67 | 2.23 | 1.83 | 1.53 | 1.56 |
| Net Income | 2.52 | 2.30 | 2.20 | 1.67 | 2.23 | 1.83 | 1.53 | 1.56 |
| EPS (Recurring) | 0.72 | 0.66 | 0.63 | 0.48 | 0.64 | 0.52 | 0.44 | 0.45 |
| EPS (Basic, Before Extraordinaries) | 0.72 | 0.66 | 0.63 | 0.48 | 0.64 | 0.52 | 0.44 | 0.45 |
| EPS (Diluted) | 0.72 | 0.66 | 0.63 | 0.48 | 0.64 | 0.52 | 0.44 | 0.45 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price To Earnings Ratio | 10.19 | 11.93 | 11.50 | 13.17 | 14.93 | 13.32 | 11.79 | 96.35 |
| Price To Sales Ratio | 2.01 | 2.09 | 1.87 | 2.15 | 2.28 | 2.03 | 1.77 | 1.94 |
| Operating Margin | 26.77 | 25.39 | 24.89 | 19.04 | 25.35 | 21.27 | 18.12 | 22.12 |
| Net Margin | 21.49 | 20.06 | 19.53 | 14.95 | 19.81 | 16.82 | 14.42 | 14.44 |
| Shares Outstanding | 3.48 | 3.49 | 3.50 | 3.49 | 3.49 | 3.49 | 3.49 | 3.49 |
| Market Capitalization | 88.20 | 94.46 | 83.38 | 94.16 | 99.36 | 87.34 | 75.43 | 82.07 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 22.34 | 15.14 | 27.13 | 11.61 | 11.21 | 14.87 | 15.17 | 13.04 | 12.94 |
| Investments | 360.33 | 322.62 | 316.55 | 422.15 | 569.52 | 437.70 | 316.77 | 293.62 | 353.61 |
| Net Loans | 558.18 | 557.15 | 550.43 | 498.69 | 453.43 | 456.08 | 456.51 | 472.12 | 448.89 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | - | - | - | - | - | - | - | - | 0.00 |
| Net Property, Plant & Equipment | 45.60 | 46.13 | 46.02 | 47.16 | 42.41 | 22.98 | 14.74 | 13.60 | 13.79 |
| Interest Receivables | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Assets | 8.69 | 12.02 | 12.45 | 15.62 | 1.69 | 1.89 | 1.68 | 2.60 | 1.60 |
| Other Intangible Assets | 25.46 | 26.09 | 24.87 | 30.50 | 28.15 | 24.96 | 24.67 | 23.91 | 23.36 |
| Total Assets | 1,020.59 | 979.15 | 977.45 | 1,025.74 | 1,106.40 | 958.49 | 829.56 | 818.89 | 854.19 |
| Total Deposits | 922.93 | 895.82 | 896.24 | 950.34 | 994.24 | 839.79 | 724.15 | 724.19 | 757.66 |
| Total Debt | 6.71 | 0.23 | 2.00 | 3.16 | 4.16 | 3.20 | 1.07 | 2.30 | 5.88 |
| Long Term Debt | 5.78 | 0.19 | 0.41 | 0.49 | 0.59 | 0.68 | 0.00 | 0.00 | 3.22 |
| Provision for Risks Charges | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 1.80 | 1.83 | 2.20 | 1.85 | 1.25 | 3.43 | 1.69 | 0.81 | 0.81 |
| Other Liabilities | -2.89 | 2.98 | 0.51 | 2.35 | 3.02 | 4.38 | 4.32 | 2.53 | 2.94 |
| Total Liabilities | 928.54 | 900.86 | 900.95 | 957.70 | 1,002.68 | 850.80 | 731.24 | 729.83 | 767.29 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 92.05 | 78.29 | 76.51 | 68.04 | 103.73 | 107.69 | 98.33 | 89.06 | 86.91 |
| Total Shareholders Equity | 92.05 | 78.29 | 76.51 | 68.04 | 103.73 | 107.69 | 98.33 | 89.06 | 86.91 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 92.05 | 78.29 | 76.51 | 68.04 | 103.73 | 107.69 | 98.33 | 89.06 | 86.91 |
| Total Liabilities & Stockholders Equity | 1,020.59 | 979.15 | 977.45 | 1,025.74 | 1,106.40 | 958.49 | 829.56 | 818.89 | 854.19 |
| Book Value Per Share | 26.35 | 22.41 | 21.90 | 19.42 | 29.46 | 30.20 | 27.57 | 24.44 | 23.85 |
| Tangible Book Value Per Share | 26.35 | 22.41 | 21.90 | 19.42 | 29.46 | 30.20 | 27.57 | 24.44 | 23.85 |
| Tier 1 Capital | 110.15 | 106.29 | 103.89 | 106.89 | 100.06 | 96.10 | 92.78 | 91.72 | 90.38 |
| Tier 2 Capital | 7.43 | 7.20 | 7.15 | 5.96 | 5.10 | 5.81 | 4.51 | 4.94 | 4.92 |
| Full-Time Employees | 145 | 145 | 149.50 | 150 | 152 | 152 | 163.50 | 159 | 156 |
| Price to Book Ratio | 0.98 | 0.97 | 1.21 | 1.35 | 1.10 | 1.38 | 1.92 | 1.30 | 1.64 |
| Return on Assets | 0.73 | 0.65 | 0.14 | 0.97 | 0.78 | 0.83 | 1.18 | 1.06 | 0.93 |
| Return on Equity | 8.52 | 8.26 | 1.93 | 12.05 | 7.60 | 7.24 | 10.40 | 10.04 | 9.28 |
| Return on Invested Capital | 7.42 | 8.15 | 1.81 | 15.10 | 7.71 | 6.88 | 9.91 | 9.92 | 8.71 |
| Current Ratio | 0.18 | 0.12 | 0.08 | 0.03 | 0.16 | 0.15 | 0.14 | 0.10 | 0.16 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 11.92 | 10.67 | 9.64 | 11.23 | 12.62 | 11.11 | 9.57 | 11.43 | 11.12 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -0.41 | 1.68 | 0.98 | 0.64 | -3.21 | -1.75 | -0.26 | 0.94 | -0.62 |
| Cash from Operating Activities | 11.51 | 12.35 | 10.63 | 11.87 | 9.41 | 9.36 | 9.32 | 12.37 | 10.50 |
| Capital Expenditures | -0.90 | -1.49 | -2.09 | -0.42 | -7.05 | -20.18 | -8.36 | -1.81 | -0.24 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 4.22 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -66.60 | 22.02 | 25.62 | 141.60 | -41.79 | -101.82 | -94.48 | 10.09 | 12.96 |
| Purchase of Investments | -88.89 | 0.00 | 0.00 | 0.00 | -93.11 | -175.42 | -177.69 | -81.84 | -19.84 |
| Sale Or Maturity of Investments | 22.29 | 22.02 | 25.62 | 141.60 | 51.32 | 73.61 | 83.20 | 91.93 | 32.80 |
| Other Uses | -1.60 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.69 | 0.00 | 0.00 | 3.25 | 0.00 | 0.00 | 0.69 | 0.00 | 0.00 |
| Cash from Investing Activities | -83.92 | 18.80 | 17.04 | 91.41 | -89.38 | -115.88 | -102.51 | 22.57 | -10.41 |
| Cash Dividends Paid | -3.77 | -3.77 | -3.77 | -3.78 | -3.72 | -3.68 | -3.64 | -3.58 | -3.50 |
| Change in Capital Stock | -0.39 | 0.00 | 0.00 | -0.23 | -0.50 | -1.62 | 0.00 | -2.72 | 0.00 |
| Repurchase of Common Pref Stock | -0.39 | 0.00 | 0.00 | -0.23 | -0.50 | -1.62 | 0.00 | -2.72 | 0.00 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 0.00 | 0.00 | -1.49 | -1.06 | -0.90 | 1.06 | 1.32 | -1.23 | -3.58 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -3.22 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -3.22 |
| Net Financing Active Other Cash Flow | -0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | -0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | 1.89 | 23.33 | -5.68 | -59.16 | -49.03 | 150.21 | 113.33 | -7.57 | -40.54 |
| Net Change in Cash | -70.52 | 54.48 | 21.98 | 44.12 | -129.00 | 43.68 | 20.13 | 27.37 | -40.45 |
| Free Cash Flow | 10.61 | 10.86 | 8.54 | 11.45 | 2.36 | -10.82 | 0.96 | 10.56 | 10.26 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 13.38 | 13.28 | 17.23 | 9.70 | - | - | - | 27.19 | 17.06 |
| Federal Home Loan Advances Increase (Decrease) | - | 0.00 | 0.03 | -0.16 | -0.07 | 0.27 | -0.01 | 0.03 | -0.02 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 16.52 | 20.01 | 13.84 | 22.34 | 15.02 | 18.86 |
| Investments | 355.32 | 414.79 | 360.54 | 360.33 | 365.87 | 374.57 |
| Net Loans | 565.36 | 573.00 | 575.26 | 558.18 | 551.22 | 555.75 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 44.46 | 44.86 | 45.25 | 45.60 | 45.42 | 45.45 |
| Interest Receivables | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Assets | - | - | - | 8.69 | - | - |
| Other Intangible Assets | 35.33 | 33.14 | 32.05 | 25.46 | 33.66 | 34.60 |
| Total Assets | 1,016.99 | 1,085.80 | 1,026.95 | 1,020.59 | 1,011.18 | 1,029.22 |
| Total Deposits | 923.34 | 988.32 | 931.11 | 922.93 | 917.27 | 939.85 |
| Total Debt | 0.00 | 0.00 | 0.00 | 6.71 | 0.00 | 0.00 |
| Long Term Debt | 0.00 | 0.00 | 0.00 | 5.78 | 0.00 | 0.00 |
| Provision for Risks Charges | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 0.00 | - | - | 1.80 | - | - |
| Other Liabilities | 4.06 | 3.61 | 2.78 | -2.89 | 4.30 | 3.30 |
| Total Liabilities | 927.40 | 991.93 | 933.88 | 928.54 | 921.57 | 943.15 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 89.59 | 93.87 | 93.06 | 92.05 | 89.61 | 86.07 |
| Total Shareholders Equity | 89.59 | 93.87 | 93.06 | 92.05 | 89.61 | 86.07 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 89.59 | 93.87 | 93.06 | 92.05 | 89.61 | 86.07 |
| Total Liabilities & Stockholders Equity | 1,016.99 | 1,085.80 | 1,026.95 | 1,020.59 | 1,011.18 | 1,029.22 |
| Book Value Per Share | 25.74 | 26.91 | 26.62 | 26.35 | 25.65 | 24.64 |
| Tangible Book Value Per Share | 25.74 | 26.91 | 26.62 | 26.35 | 25.65 | 24.64 |
| Tier 1 Capital | - | - | - | 110.15 | - | - |
| Tier 2 Capital | - | - | - | 7.43 | - | - |
| Full-Time Employees | - | - | - | 145 | - | - |
| Price to Book Ratio | 0.98 | 1.02 | 0.91 | 1.05 | 1.15 | 1.05 |
| Return on Assets | 0.86 | 0.79 | 0.78 | 0.73 | 0.71 | 0.65 |
| Return on Equity | 9.69 | 9.32 | 8.99 | 8.52 | 8.22 | 8.25 |
| Return on Invested Capital | 2.82 | 2.45 | 2.36 | 1.70 | 2.49 | 2.13 |
| Current Ratio | 0.10 | 0.27 | 0.20 | 0.18 | 0.22 | 0.23 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 3.73 | 2.01 | 3.08 | 3.10 | 2.64 | 2.65 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 0.24 | -0.50 | -0.55 | 0.40 | 1.30 | -0.66 |
| Cash from Operating Activities | 3.96 | 1.51 | 2.54 | 3.50 | 3.94 | 2.00 |
| Capital Expenditures | -0.07 | -0.08 | -0.12 | -0.64 | -0.41 | -0.22 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -82.72 | 5.25 | 5.80 | 5.08 | 5.90 | 5.20 |
| Purchase of Investments | -88.89 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale Or Maturity of Investments | 6.16 | 5.25 | 5.80 | 5.08 | 5.90 | 5.20 |
| Other Uses | -1.60 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.44 | 0.25 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -77.06 | 7.89 | -11.43 | -3.31 | 10.36 | 3.10 |
| Cash Dividends Paid | -0.94 | -0.94 | -0.94 | -0.94 | -0.94 | -0.94 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -0.20 | -0.19 | 0.00 | 0.00 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | -0.20 | -0.19 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | -0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | -0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | -66.14 | 56.07 | 7.24 | 4.72 | -23.53 | 28.41 |
| Net Change in Cash | -139.24 | 65.48 | -1.66 | 4.91 | -9.23 | 33.50 |
| Free Cash Flow | 3.90 | 1.43 | 2.42 | 2.86 | 3.52 | 1.78 |
| Price to Free Cash Flow | 13.38 | 14.61 | 12.27 | 13.29 | 15.87 | 17.18 |
Revenue breakdown
| State Commercial Banks | 2024: 614.00K 2025: 619.00K |
|---|---|
| United States | 2024: 614.00K 2025: 619.00K |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.22% | 0.0M | 2.4M | 2.14K |
| 2026-10-15 | 0.24% | 0.0M | 2.4M | 1.83K |
| 2026-09-30 | 0.24% | 0.0M | 2.4M | 1.90K |
| 2026-09-15 | 0.21% | 0.0M | 2.4M | 1.76K |
| 2026-08-31 | 0.22% | 0.0M | 2.4M | 1.69K |
| 2026-08-14 | 0.22% | 0.0M | 2.4M | 2.22K |
| 2026-07-31 | 0.22% | 0.0M | 2.4M | 2.62K |
| 2026-07-15 | 0.22% | 0.0M | 2.4M | 3.11K |
| 2026-06-30 | 0.27% | 0.0M | 2.4M | 3.16K |
| 2026-06-15 | 0.19% | 0.0M | 2.4M | 4.59K |
| 2026-05-29 | 0.26% | 0.0M | 2.4M | 4.82K |
| 2026-05-15 | 0.22% | 0.0M | 2.4M | 4.43K |
| 2026-04-30 | 0.28% | 0.0M | 2.4M | 4.12K |
| 2026-04-15 | 0.27% | 0.0M | 2.4M | 3.60K |
| 2026-03-31 | 0.27% | 0.0M | 2.5M | 3.70K |
| 2026-03-13 | 0.34% | 0.0M | 2.5M | 2.30K |
| 2026-02-27 | 0.16% | 0.0M | 2.5M | 2.22K |
| 2026-02-13 | 0.14% | 0.0M | 2.5M | 2.41K |
| 2026-01-30 | 0.16% | 0.0M | 2.5M | 2.37K |
| 2026-01-15 | 0.16% | 0.0M | 2.5M | 2.31K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-10 | 8-K | Current report | 2026-11-10 | SEC |
| 2026-11-06 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-10-27 | 8-K | Current report | 2026-10-27 | SEC |
| 2026-10-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-30 | SEC |
| 2026-10-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-30 | SEC |
| 2026-10-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-30 | SEC |
| 2026-10-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-30 | SEC |
| 2026-08-11 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-08-11 | 8-K | Current report | 2026-08-11 | SEC |
| 2026-07-28 | 8-K | Current report | 2026-07-28 | SEC |
| 2026-07-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-02 | SEC |
| 2026-07-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-02 | SEC |
| 2026-07-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-02 | SEC |
| 2026-07-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-02 | SEC |
| 2026-06-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-05 | SEC |
| 2026-06-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-05 | SEC |
| 2026-06-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-05 | SEC |
| 2026-06-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-05 | SEC |
| 2026-06-05 | 8-K | Current report | 2026-06-05 | SEC |
| 2026-05-13 | 8-K | Current report | 2026-05-12 | SEC |
| 2026-05-13 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-13 | 8-K | Current report | 2026-05-12 | SEC |
| 2026-05-07 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-06 | SEC |
| 2026-05-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-05 | SEC |
| 2026-04-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-30 | SEC |
| 2026-04-28 | 8-K | Current report | 2026-04-28 | SEC |
| 2026-04-15 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-14 | SEC |
| 2026-04-15 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-14 | SEC |
| 2026-04-15 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-14 | SEC |
| 2026-04-15 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-14 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 5.44K | 4 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 5.62K | 4 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 27.34K | 2 | 0 | 0 |
| 2026-04 | 13.91K | 6 | 0 | 0 |
| 2026-03 | 4.82K | 1 | 0 | 0 |
| 2026-02 | 4.95K | 2 | 0 | 0 |
| 2026-01 | 12.46K | 6 | 0 | 0 |
| 2025-12 | 8.05K | 3 | 0 | 0 |
| 2025-11 | 5.08K | 1 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| LPL Financial LLC | 1.45% |
| Truffle Hound Capital, LLC | 1.44% |
| DIMENSIONAL FUND ADVISORS LP | 1.20% |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 0.95% |
| GEODE CAPITAL MANAGEMENT, LLC | 0.74% |
| VANGUARD CAPITAL MANAGEMENT LLC | 0.73% |
| Aptus Capital Advisors, LLC | 0.58% |
| TRUIST FINANCIAL CORP | 0.56% |
| CAPTRUST FINANCIAL ADVISORS | 0.54% |
| Fourthstone LLC | 0.51% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD EXTENDED MARKET INDEX FUND | 0.73% |
| EA Bridgeway Omni Small-Cap Value ETF | 0.51% |
| AUER GROWTH | 0.43% |
| U.S. MICRO CAP PORTFOLIO | 0.36% |
| Fidelity Extended Market Index Fund | 0.34% |
| Omni Small-Cap Value Fund | 0.33% |
| iShares Micro-Cap ETF | 0.27% |
| U.S. CORE EQUITY 2 PORTFOLIO | 0.18% |
| Fidelity Total Market Index Fund | 0.14% |
| Ultra-Small Company Market Fund | 0.11% |
OakChart. AUBN. Cached 15 minutes.
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