Stock fact sheet · data as of
Auburn National Bancorporation, Inc. (AUBN): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Yield Income
Is AUBN undervalued?
At 26.47 (close of 16 Oct 2026), AUBN trades 22% under the GLS average fair value of 34.04. 6 of the 9 models that produced a value land above the price. A discount of this size counts as a positive margin of safety in every GLS screen; whether it is enough depends on the rest of the picture - the health score, the moat and the option premium below.
The 9 models disagree widely: GLS Growth gives 2.96 while 10 Cap gives 74.73. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files AUBN under High Yield Income: a dividend yield above 4%.
Nine valuation models for AUBN
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 47.44 | +79% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 38.12 | +44% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 38.75 | +46% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 9.61 | -64% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 2.96 | -89% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 74.73 | +182% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 52.13 | +97% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 15.89 | -40% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 26.69 | +1% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -229.67 | -968% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - AUBN passes 6 of the nine Piotroski tests, which passes the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 5.1 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 7.9%, ROE 7.9%, ROA 0.7% - with debt at 0.00 times equity and a free-cash-flow yield of 11.3%.
The dividend yield is high at 4.08% (payout ratio 45%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
Institutional ownership scores 1/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales; the last recorded insider buy was on 30 Sep 2026.
| Piotroski F-score | 6 / 9 | ROIC | 7.9% |
|---|---|---|---|
| GLS Moat | 5.1 / 10 | ROE | 7.9% |
| Debt / equity | 0.00 | ROA | 0.7% |
| Free-cash-flow yield | 11.3% | Payout ratio | 45% |
| Institutions | 1 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 39: No options
AUBN has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $92M, with a beta of 0.45 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 22 / 25 | 22% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 8 / 15 | moat 5.1/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $92M cap, beta 0.45 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for AUBN in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Auburn National Bancorporation, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| SOBS Solvay Bank Corp. | 36.50 | 28.22 | -29% | 20No options | $93M |
| PBKC Pioneer Bankcorp, Inc. | 83.99 | 243.32 | +65% | 39No options | $93M |
| CZBT Citizens Bancorp of Virginia, Inc. | 43.55 | 71.84 | +39% | 39No options | $92M |
| HMLN Hamlin Bank and Trust Company | 256.60 | 446.04 | +42% | 39No options | $92M |
| FNWB First Northwest Bancorp | 9.63 | 12.04 | +20% | 39No options | $92M |
| CTUY Century Next Financial Corporation | 73.00 | 241.60 | +70% | 39No options | $93M |
| FSMK 1ST SUMMIT BANCORP of Johnstown, Inc. | 42.88 | 34.41 | -25% | 27No options | $91M |
| CULL Cullman Bancorp, Inc. | 17.00 | 11.20 | -52% | 24No options | $94M |
| FUSB First US Bancshares, Inc. | 16.45 | 17.26 | +5% | 39No options | $91M |
| KSBI KS Bancorp, Inc. | 81.55 | 161.11 | +49% | 39No options | $90M |
| CZBC Citizens Bancorp | 16.00 | 9.20 | -74% | 20No options | $90M |
| KLIB Killbuck Bancshares, Inc. | 171.75 | 440.65 | +61% | 39No options | $90M |
⚖ Compare AUBN with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about AUBN
Is AUBN undervalued right now?
By the GLS models, moderately: at 26.47 the stock trades 22% below the average fair value of 34.04 (data as of 16 Oct 2026).
What is the Wheel Score of AUBN and what does it mean?
AUBN has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for AUBN?
34.04 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Auburn National Bancorporation, Inc. report earnings next?
No upcoming earnings date is recorded for AUBN in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does AUBN have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on AUBN, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.