Auburn National Bancorp (AUBN)
Market Price (11/6/2026): $26.28 | Market Cap: $91.5 MilSector: Financials | Industry: Regional Banks
Auburn National Bancorp (AUBN)
Market Price (11/6/2026): $26.28Market Cap: $91.5 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 4.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.5%, FCF Yield is 11% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -189% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 30% Low stock price volatilityVol 12M is 38% Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and Community & Regional Banking. Themes include Online Banking & Lending, Local Lending & Deposit Services, Show more. | Weak multi-year price returns2Y Excs Rtn is -2.1%, 3Y Excs Rtn is -37% | Key risksAUBN key risks include [1] a significant business concentration in the Auburn-Opelika metropolitan area, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 4.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.5%, FCF Yield is 11% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -189% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 30% |
| Low stock price volatilityVol 12M is 38% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and Community & Regional Banking. Themes include Online Banking & Lending, Local Lending & Deposit Services, Show more. |
| Weak multi-year price returns2Y Excs Rtn is -2.1%, 3Y Excs Rtn is -37% |
| Key risksAUBN key risks include [1] a significant business concentration in the Auburn-Opelika metropolitan area, Show more. |
Qualitative Assessment
AI Analysis | Feedback
Auburn National Bancorp (AUBN) stock has remained largely at the same level since 7/31/2026 because of the following key factors:
1. Auburn National Bancorp (AUBN) reported solid, yet mixed, financial results for its fiscal third quarter ended September 30, 2026, which contributed to a largely stable stock performance. Net earnings increased 13% year-over-year to $2.5 million, or $0.72 per share, and the tax-equivalent net interest margin expanded by 15 basis points to 3.36%. However, this positive performance was somewhat offset by a slight decline in average loan balances, which decreased from approximately $582.3 million in the prior quarter to $579.6 million, primarily due to payoffs. The company maintained strong asset quality and robust capital and liquidity levels, with nonperforming assets at a low 0.02% of total assets. These factors created a balanced outlook that did not provide a strong catalyst for significant stock movement.
2. The broader regional banking sector experienced general stability during the fiscal third quarter of 2026, aligning with AUBN's flat trend. Regional banks, including larger institutions, largely met Wall Street's top and bottom-line expectations, benefiting from higher interest rates that led to improved net interest income and wider net interest margins. While some concerns persisted regarding commercial real estate and a slowdown in capital markets, the overall sentiment in the sector was one of stability and "no new problems" that would typically trigger major shifts in stock valuations for well-capitalized banks.
Show more
Auburn National Bancorp (AUBN) stock has remained largely at the same level since 7/31/2026 because of the following key factors:
1. Auburn National Bancorp (AUBN) reported solid, yet mixed, financial results for its fiscal third quarter ended September 30, 2026, which contributed to a largely stable stock performance. Net earnings increased 13% year-over-year to $2.5 million, or $0.72 per share, and the tax-equivalent net interest margin expanded by 15 basis points to 3.36%. However, this positive performance was somewhat offset by a slight decline in average loan balances, which decreased from approximately $582.3 million in the prior quarter to $579.6 million, primarily due to payoffs. The company maintained strong asset quality and robust capital and liquidity levels, with nonperforming assets at a low 0.02% of total assets. These factors created a balanced outlook that did not provide a strong catalyst for significant stock movement.
2. The broader regional banking sector experienced general stability during the fiscal third quarter of 2026, aligning with AUBN's flat trend. Regional banks, including larger institutions, largely met Wall Street's top and bottom-line expectations, benefiting from higher interest rates that led to improved net interest income and wider net interest margins. While some concerns persisted regarding commercial real estate and a slowdown in capital markets, the overall sentiment in the sector was one of stability and "no new problems" that would typically trigger major shifts in stock valuations for well-capitalized banks.
3. Analyst sentiment and valuation metrics indicated a neutral outlook for AUBN, reinforcing its steady stock movement. As of late October 2026, one Wall Street analyst maintained a "Hold" rating for Auburn National Bancorp, contributing to a consensus rating score of 2.00 (Hold). Additionally, the stock was considered slightly undervalued by GuruFocus, trading at approximately $26.27 against a GF Value of $26.86 as of October 27, 2026. This absence of strong "buy" or "sell" recommendations or significant undervaluation/overvaluation meant there was little external impetus for the stock to deviate substantially from its current price range.
Show less
Stock Movement Drivers
Fundamental Drivers
The 2.2% change in AUBN stock from 7/31/2026 to 11/5/2026 was primarily driven by a 3.9% change in the company's Net Income Margin (%).| (LTM values as of) | 7312026 | 11052026 | Change |
|---|---|---|---|
| Stock Price ($) | 25.88 | 26.45 | 2.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 34 | 34 | 1.9% |
| Net Income Margin (%) | 23.6% | 24.5% | 3.9% |
| P/E Multiple | 11.4 | 11.0 | -3.5% |
| Shares Outstanding (Mil) | 3 | 3 | 0.1% |
| Cumulative Contribution | 2.2% |
Market Drivers
7/31/2026 to 11/5/2026| Return | Correlation | |
|---|---|---|
| AUBN | 2.2% | |
| Market (SPY) | -1.9% | -9.3% |
| Sector (XLF) | 1.0% | 8.3% |
Fundamental Drivers
The 12.7% change in AUBN stock from 4/30/2026 to 11/5/2026 was primarily driven by a 10.7% change in the company's Net Income Margin (%).| (LTM values as of) | 4302026 | 11052026 | Change |
|---|---|---|---|
| Stock Price ($) | 23.47 | 26.45 | 12.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 33 | 34 | 4.5% |
| Net Income Margin (%) | 22.1% | 24.5% | 10.7% |
| P/E Multiple | 11.3 | 11.0 | -2.6% |
| Shares Outstanding (Mil) | 3 | 3 | 0.0% |
| Cumulative Contribution | 12.7% |
Market Drivers
4/30/2026 to 11/5/2026| Return | Correlation | |
|---|---|---|
| AUBN | 12.7% | |
| Market (SPY) | 2.3% | -9.5% |
| Sector (XLF) | 10.7% | -3.0% |
Fundamental Drivers
The 7.6% change in AUBN stock from 10/31/2025 to 11/5/2026 was primarily driven by a 15.4% change in the company's Net Income Margin (%).| (LTM values as of) | 10312025 | 11052026 | Change |
|---|---|---|---|
| Stock Price ($) | 24.58 | 26.45 | 7.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 31 | 34 | 9.2% |
| Net Income Margin (%) | 21.2% | 24.5% | 15.4% |
| P/E Multiple | 12.9 | 11.0 | -14.7% |
| Shares Outstanding (Mil) | 3 | 3 | 0.0% |
| Cumulative Contribution | 7.6% |
Market Drivers
10/31/2025 to 11/5/2026| Return | Correlation | |
|---|---|---|
| AUBN | 7.6% | |
| Market (SPY) | 8.4% | 1.8% |
| Sector (XLF) | 11.1% | -2.6% |
Fundamental Drivers
The 46.8% change in AUBN stock from 10/31/2023 to 11/5/2026 was primarily driven by a 80.8% change in the company's P/E Multiple.| (LTM values as of) | 10312023 | 11052026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.02 | 26.45 | 46.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 32 | 34 | 7.7% |
| Net Income Margin (%) | 32.6% | 24.5% | -24.8% |
| P/E Multiple | 6.1 | 11.0 | 80.8% |
| Shares Outstanding (Mil) | 4 | 3 | 0.2% |
| Cumulative Contribution | 46.8% |
Market Drivers
10/31/2023 to 11/5/2026| Return | Correlation | |
|---|---|---|
| AUBN | 46.8% | |
| Market (SPY) | 81.3% | 2.8% |
| Sector (XLF) | 85.5% | 1.0% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| AUBN Return | -20% | -26% | -3% | 16% | 20% | 1% | -19% |
| Peers Return | 32% | 1% | 2% | 23% | 14% | 13% | 113% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 12% | 105% |
Monthly Win Rates [3] | |||||||
| AUBN Win Rate | 33% | 50% | 33% | 50% | 50% | 64% | |
| Peers Win Rate | 68% | 48% | 48% | 60% | 62% | 49% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 45% | |
Max Drawdowns [4] | |||||||
| AUBN Max Drawdown | -33% | -35% | -22% | -21% | -16% | -21% | |
| Peers Max Drawdown | -22% | -25% | -38% | -16% | -24% | -16% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: RF, SSB, HWC, ABCB, TRMK.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/5/2026 (YTD)
How Low Can It Go
| Event | AUBN | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -19.1% | -6.7% |
| % Gain to Breakeven | 23.6% | 7.1% |
| Time to Breakeven | 462 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -28.8% | -24.5% |
| % Gain to Breakeven | 40.4% | 32.4% |
| Time to Breakeven | 1010 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -58.2% | -33.7% |
| % Gain to Breakeven | 139.3% | 50.9% |
| Time to Breakeven | 93 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -26.4% | -19.2% |
| % Gain to Breakeven | 35.9% | 23.8% |
| Time to Breakeven | 93 days | 105 days |
| 2010 Eurozone Sovereign Debt Crisis / Flash Crash | ||
| % Loss | -11.1% | -15.4% |
| % Gain to Breakeven | 12.5% | 18.2% |
| Time to Breakeven | 52 days | 125 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -11.0% | -53.4% |
| % Gain to Breakeven | 12.4% | 114.4% |
| Time to Breakeven | 13 days | 1085 days |
In The Past
Auburn National Bancorp's stock fell -5.0% during the 2025 US Tariff Shock. Such a loss loss requires a 5.3% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
| Event | AUBN | S&P 500 |
|---|---|---|
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -28.8% | -24.5% |
| % Gain to Breakeven | 40.4% | 32.4% |
| Time to Breakeven | 1010 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -58.2% | -33.7% |
| % Gain to Breakeven | 139.3% | 50.9% |
| Time to Breakeven | 93 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -26.4% | -19.2% |
| % Gain to Breakeven | 35.9% | 23.8% |
| Time to Breakeven | 93 days | 105 days |
In The Past
Auburn National Bancorp's stock fell -5.0% during the 2025 US Tariff Shock. Such a loss loss requires a 5.3% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Auburn National Bancorp (AUBN)
Auburn National Bancorp (AUBN) is a bank holding company that operates AuburnBank, a community financial institution providing a range of banking products and services. Founded in 1907 and headquartered in Auburn, Alabama, the company primarily functions as a traditional bank, serving as a financial intermediary for individuals and businesses within its operational region.
The company's main offerings include a variety of deposit products such as checking, savings, transaction accounts, and certificates of deposit. On the lending side, AuburnBank provides commercial, financial, agricultural, real estate construction, and consumer loans to meet diverse customer needs. Complementing these core services, it also offers automated teller services, debit cards, online banking, bill payment, and safe deposit boxes.
Auburn National Bancorp primarily serves the communities of East Alabama. Its customer base consists of individuals, local businesses, and agricultural clients situated in its market. The company operates through seven full-service branches across Auburn, Opelika, Notasulga, and Valley, Alabama, in addition to loan production offices in Auburn and Phenix City, Alabama, establishing a strong regional presence.
AI Analysis | Feedback
- Bank of America for East Alabama.
- The local Wells Fargo for Auburn and surrounding communities.
AI Analysis | Feedback
- Deposit Accounts: AuburnBank offers a variety of deposit accounts including checking, savings, transaction deposit accounts, and certificates of deposit.
- Loan Products: The company provides diverse loan products such as commercial, financial, agricultural, real estate construction, and consumer loans.
- Digital Banking Services: Customers can access online banking, bill payment, and other electronic services for convenient account management.
- ATM Services: Automated teller services are available for cash withdrawals and other banking transactions.
- Debit Cards: Debit cards are provided to facilitate easy and secure transactions for account holders.
- Safe Deposit Boxes: Secure safe deposit boxes are offered for the storage of valuable items.
AI Analysis | Feedback
Auburn National Bancorp (AUBN) operates as a bank holding company for AuburnBank, providing a variety of banking products and services primarily within East Alabama. As a bank, its customer base consists of a broad range of individuals and businesses rather than a few major corporate clients. Therefore, it sells primarily to individuals and local businesses.
The company serves the following categories of customers:
- Individual Consumers: This category includes residents of East Alabama who utilize personal checking and savings accounts, certificates of deposit, consumer loan products (e.g., auto loans, personal loans), debit cards, online banking, and other electronic services.
- Commercial & Small Businesses: This segment comprises various businesses in the region that seek commercial loans, financial loans, real estate construction loans, business checking accounts, and other related banking services.
- Agricultural Businesses/Farmers: Given the specific mention of agricultural loan products, this category serves farmers and agricultural enterprises within its operating area, providing tailored financial support for their operations.
AI Analysis | Feedback
AI Analysis | Feedback
David A. Hedges, President and Chief Executive Officer
Mr. Hedges was appointed President and Chief Executive Officer of Auburn National Bancorporation, Inc. and AuburnBank effective January 1, 2023. He previously served as Executive Vice President and Chief Financial Officer since December 2015. Prior to that, he held various positions with the Company and the Bank since 2006, and was the Company's principal financial officer since 2007. Before joining Auburn National Bancorp, Mr. Hedges worked at KPMG LLP in their financial services audit practice from 2002 to 2006.
William James IV Walker, Senior Vice President and Chief Financial Officer
Mr. Walker was appointed Senior Vice President and Chief Financial Officer effective January 1, 2023. He joined the Company in December 2015 as Senior Vice President and Chief Accounting Officer.
Robert W. Dumas, Chairman of the Board
Mr. Dumas serves as Chairman of the Board of Auburn National Bancorporation, Inc. and AuburnBank. He retired as President and Chief Executive Officer of the Company and AuburnBank on December 31, 2022, after a 39-year career. Mr. Dumas began his career with AuburnBank in 1984, holding numerous leadership roles, including President and Chief Executive Officer of AuburnBank since 2001 and of the Company since 2017. He was appointed Chairman of the Board in January 2020.
Robert Smith, Senior Vice President and Chief Lending Officer of AuburnBank
Mr. Smith holds the position of Senior Vice President and Chief Lending Officer of AuburnBank.
Shannon O'Donnell, Senior Vice President
Ms. O'Donnell is a Senior Vice President within the company.
AI Analysis | Feedback
Key Risks to Auburn National Bancorp (AUBN)
Auburn National Bancorp (AUBN), as a community bank operating in East Alabama, faces several key risks inherent to the banking industry and its specific market. These risks are primarily related to the evolving regulatory landscape, interest rate fluctuations impacting profitability, and increasing cybersecurity threats.
1. Regulatory Burden and Compliance Risk
One of the most significant challenges for Auburn National Bancorp, like many community and regional banks, is the heavy and evolving regulatory burden. Bankers in Alabama have consistently cited "regulatory burden" as the biggest threat to their business model, with "political and regulatory uncertainty" also being a major impediment. The complexity of regulations, including those stemming from the Dodd-Frank Act and anti-money laundering (BSA/AML) compliance, significantly increases operational costs and requires substantial time and resources for adherence. Changes in regulations or new state-level compliance mechanisms, layered onto existing federal oversight, can further complicate operations and increase exposure to risk.
2. Interest Rate Risk and Net Interest Margin Pressure
Auburn National Bancorp is exposed to considerable interest rate risk, which directly impacts its net interest margin—a key measure of bank profitability. Elevated interest rates lead to increased deposit costs, squeezing bank margins. The cost of funds has become a pressing external risk due to restrictive monetary policy and heightened competition for deposits. Declining deposit levels and a shift towards higher-yielding accounts further contribute to increased funding costs and liquidity pressures for community banks. This environment makes it challenging for banks to maintain healthy net interest margins.
3. Cybersecurity Risks
Cybersecurity is a paramount internal risk for community banks, including Auburn National Bancorp. With increasing reliance on digital banking services and technology, banks become more vulnerable to sophisticated cyber threats such as ransomware attacks, phishing schemes, and data breaches. Community banks often operate with smaller IT budgets, making it difficult to keep pace with advanced and evolving cyber threats. A successful cyberattack could lead to significant financial losses, reputational damage, and regulatory penalties.
AI Analysis | Feedback
The rise of digital-only banks and fintech companies poses a significant emerging threat to Auburn National Bancorp. Digital-only banks (neobanks) operate without the overhead of physical branches, allowing them to offer more competitive rates and user-friendly, mobile-first experiences that attract customers seeking convenience and lower fees, thereby challenging Auburn National Bancorp's deposit acquisition. Simultaneously, fintech lending platforms leverage advanced technology and alternative data to provide faster, more streamlined, and often specialized loan products, diverting potential borrowers for consumer, commercial, and real estate loans from traditional institutions like Auburn National Bancorp.
AI Analysis | Feedback
AI Analysis | Feedback
- Loan Growth: The company has an improved outlook for loan growth in 2026, building on prior period increases in average loans. This sustained growth in its loan portfolio is expected to contribute positively to net interest income.
- Net Interest Margin (NIM) Expansion: Auburn National Bancorp has demonstrated consistent improvement in its net interest margin, which is a key component of its profitability. This improvement is primarily attributed to enhanced yields on interest-earning assets and a reduction in the cost of interest-bearing deposits. Continued efforts in this area are anticipated to further boost net interest income.
- Digital Banking Initiatives: The company is actively progressing with its digital banking initiatives, including the successful rollout of services like online account opening. These efforts are expected to enhance operational efficiency, improve customer convenience, and expand access to banking services, which can lead to increased customer acquisition and retention, thereby driving revenue.
- Leveraging Local Economic Growth: Auburn National Bancorp is strategically positioned to capitalize on the robust local growth opportunities in East Alabama. The region benefits from new job creation and strong wage gains, particularly anchored by Auburn University, which is expected to fuel demand for the bank's commercial, financial, agricultural, real estate, and consumer loan products, as well as other financial services.
- Non-Interest Income from Office Space Leasing: The AuburnBank Center, the company's new headquarters completed in 2022, includes additional office space that is leased to other tenants. This arrangement provides a consistent stream of non-interest income for Auburn National Bancorp.
AI Analysis | Feedback
Share Repurchases
- Auburn National Bancorporation authorized a new stock repurchase program on April 12, 2022, for up to $5 million of its common stock. This program was set to expire on April 15, 2024, or when the authorized amount was expended, or the program was terminated or replaced.
- The company repurchased $0.2 million of common stock since December 31, 2022, leading to a reduction of 10,108 outstanding common shares by December 31, 2023.
Share Issuance
- Auburn National Bancorporation operates a Dividend Reinvestment Plan (DRIP) that enables shareholders to automatically reinvest dividends and acquire additional shares through optional cash payments.
- As of August 11, 2025, the company had 3,493,699 common shares outstanding.
Outbound Investments
- The company held nonmarketable equity investments, including stock in the FHLB-Atlanta, Federal Reserve Bank, and a privately held financial institution, with carrying amounts of $1.4 million at December 31, 2023, and December 31, 2024, and $1.2 million at December 31, 2022.
- In December 2023, Auburn National Bancorporation executed a balance sheet repositioning by selling approximately $117.6 million of available-for-sale securities. The proceeds were primarily used to repay wholesale funding and to increase cash reserves for future banking operations, including loan growth.
Capital Expenditures
- Auburn National Bancorporation completed the move into its new 90,000 square foot AuburnBank Center in downtown Auburn in June 2022, signifying a notable investment in premises.
- The company intends to invest in technology over the next few years to improve customer service.
- Auburn National Bancorporation plans to invest in its business, people, and community in 2025 to capitalize on local growth opportunities.
Peer Outperformance in Regional Banks
| Ticker | Name | Rev Growth 3Y Avg | P/E | 1Y | 3Y | 5Y | 5Y Gap |
|---|---|---|---|---|---|---|---|
| AUBN | Auburn National Bancorp | 6.0% | 11.0x | 4.3% | 47.2% | -2.4% | — |
| FBP | First BanCorp | 2.9% | 10.7x | 33.9% | 101.1% | 117.2% | +120pp |
| BPOP | Popular | 2.8% | 10.3x | 41.4% | 144.6% | 117.1% | +120pp |
| OFG | OFG Bancorp | 4.5% | 9.7x | 30.7% | 73.5% | 113.0% | +115pp |
| SRCE | 1st Source | 7.5% | 11.8x | 46.3% | 95.9% | 95.9% | +98pp |
| BANF | BancFirst | 5.4% | 15.4x | 6.0% | 43.1% | 84.8% | +87pp |
| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Reinsurance | 6 | 33.1% | 75.7% | 125.1% | SPNT 168% · RGA 162% · RNR 141% |
| Investment Banking & Brokerage | 13 | -3.9% | 89.1% | 93.1% | IBKR 305% · SNEX 152% · GS 141% |
| Diversified Banks | 12 | 30.0% | 140.4% | 90.3% | CM 144% · RY 129% · JPM 127% |
| Life & Health Insurance | 20 | 14.3% | 52.3% | 75.4% | JXN 514% · UNM 224% · FG 188% |
| Property & Casualty Insurance | 42 | 18.9% | 76.8% | 66.8% | TRV 178% · PGR 172% · ACGL 168% |
| Multi-Sector Holdings | 3 | 10.1% | 53.8% | 59.4% | BRK-B 99% · VOYA 59% · JEF 37% |
| Multi-line Insurance | 9 | 9.5% | 71.4% | 59.4% | AIZ 105% · GNW 104% · L 98% |
| Regional Banks ← | 263 | 30.0% | 87.5% | 46.7% | CBC 268% · FCNCA 176% · NIC 136% |
| Insurance Brokers | 15 | 5.5% | 13.4% | 33.4% | LIFE 287% · ARX 89% · WTW 56% |
| Financial Exchanges & Data | 15 | 20.6% | 37.2% | 27.9% | CBOE 183% · VIRT 131% · CME 71% |
| Asset Management & Custody Banks | 83 | -5.9% | 22.8% | 12.3% | VCTR 210% · AAMI 207% · WT 205% |
| Consumer Finance | 30 | 2.9% | 81.0% | 8.1% | ENVA 330% · FCFS 130% · ECPG 111% |
| Commercial & Residential Mortgage Finance | 14 | -46.5% | 36.8% | 2.5% | FNMA 327% · FMCC 293% · ACT 158% |
| Diversified Financial Services | 4 | -1.6% | 20.1% | -1.1% | FRHC 153% · EQH 71% |
| Specialized Finance | 3 | 15.8% | 31.5% | -19.7% | HASI -20% · CACC -24% |
| Transaction & Payment Processing Services | 17 | 19.3% | 9.1% | -29.4% | V 103% · MA 94% · CPAY 83% |
| Mortgage REITs | 35 | -18.0% | -6.1% | -37.2% | RITM 36% · DX 17% · AGNC 10% |
| Diversified Capital Markets | 20 | -47.1% | -8.5% | -70.1% | LPLA 83% · TW 38% · RIOT -53% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 58.06 |
| Mkt Cap | 5.6 |
| Rev LTM | 1,345 |
| Op Inc LTM | - |
| FCF LTM | 541 |
| FCF 3Y Avg | 473 |
| CFO LTM | 563 |
| CFO 3Y Avg | 490 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 6.8% |
| Rev Chg 3Y Avg | 5.6% |
| Rev Chg Q | 5.3% |
| QoQ Delta Rev Chg LTM | 1.4% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 36.7% |
| CFO/Rev 3Y Avg | 34.7% |
| FCF/Rev LTM | 34.3% |
| FCF/Rev 3Y Avg | 30.4% |
Price Behavior
| Market Price | $26.45 | |
| Market Cap ($ Bil) | 0.1 | |
| First Trading Date | 09/11/1995 | |
| Distance from 52W High | -7.5% | |
| 50 Days | 200 Days | |
| DMA Price | $26.43 | $25.02 |
| DMA Trend | indeterminate | indeterminate |
| Distance from DMA | 0.1% | 5.7% |
| 3M | 1YR | |
| Volatility | 25.0% | 37.5% |
| Downside Capture | 22.24 | 13.12 |
| Upside Capture | 19.04 | 16.22 |
| Correlation (S&P 500) | 4.2% | 6.1% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | -0.58 | -0.23 | -0.11 | -0.19 | 0.07 | 0.07 |
| Up Beta | -0.09 | 0.51 | -0.26 | -0.96 | -0.05 | -0.15 |
| Down Beta | -0.47 | -0.07 | -0.27 | -0.22 | -0.04 | 0.19 |
| Up Capture | -83% | -40% | -3% | 14% | 12% | 6% |
| Bmk +ve Days | 12 | 18 | 28 | 62 | 130 | 427 |
| Stock +ve Days | 9 | 18 | 27 | 61 | 110 | 339 |
| Down Capture | -51% | -33% | -1% | -15% | 19% | 24% |
| Bmk -ve Days | 10 | 25 | 36 | 64 | 121 | 325 |
| Stock -ve Days | 9 | 18 | 27 | 51 | 103 | 328 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with AUBN | |
|---|---|---|---|---|
| AUBN | -1.3% | 38.8% | 0.04 | - |
| Sector ETF (XLF) | 11.1% | 15.2% | 0.47 | -4.4% |
| Equity (SPY) | 9.5% | 13.6% | 0.41 | 4.1% |
| Gold (GLD) | 3.6% | 28.7% | 0.11 | 11.2% |
| Commodities (DBC) | 37.7% | 21.2% | 1.40 | -2.6% |
| Real Estate (VNQ) | 12.0% | 14.2% | 0.55 | 8.2% |
| Bitcoin (BTCUSD) | -20.8% | 43.3% | -0.42 | 1.5% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with AUBN | |
|---|---|---|---|---|
| AUBN | 1.3% | 35.4% | 0.11 | - |
| Sector ETF (XLF) | 9.1% | 18.4% | 0.36 | 0.9% |
| Equity (SPY) | 11.3% | 17.3% | 0.48 | 2.4% |
| Gold (GLD) | 17.5% | 19.1% | 0.74 | 3.8% |
| Commodities (DBC) | 8.0% | 19.6% | 0.29 | 0.1% |
| Real Estate (VNQ) | 1.2% | 18.9% | -0.05 | 0.5% |
| Bitcoin (BTCUSD) | 5.9% | 51.5% | 0.29 | 3.4% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with AUBN | |
|---|---|---|---|---|
| AUBN | 4.0% | 40.4% | 0.24 | - |
| Sector ETF (XLF) | 13.3% | 22.1% | 0.54 | 18.7% |
| Equity (SPY) | 14.9% | 18.0% | 0.70 | 17.6% |
| Gold (GLD) | 12.0% | 16.5% | 0.59 | 2.2% |
| Commodities (DBC) | 7.6% | 18.1% | 0.33 | 9.1% |
| Real Estate (VNQ) | 5.7% | 20.7% | 0.23 | 18.4% |
| Bitcoin (BTCUSD) | 61.3% | 66.2% | 1.01 | 7.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Earnings Returns History
Updated 11/5/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/27/2026 | -4.3% | -4.4% | |
| 7/28/2026 | -0.2% | -0.6% | 1.0% |
| 4/28/2026 | 0.0% | 0.4% | 6.3% |
| 1/27/2026 | 3.7% | -3.2% | -1.7% |
| 10/23/2025 | -2.5% | -1.5% | -4.1% |
| 7/22/2025 | -0.2% | 0.4% | -12.5% |
| 4/22/2025 | 1.3% | 1.7% | 4.8% |
| 1/28/2025 | -0.1% | -3.9% | -0.6% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 11 | 13 |
| # Negative | 13 | 13 | 10 |
| Median Positive | 1.3% | 3.0% | 4.8% |
| Median Negative | -1.0% | -2.8% | -5.5% |
| Max Positive | 4.0% | 7.7% | 9.7% |
| Max Negative | -4.3% | -5.1% | -12.5% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/27/2026 | -4.3% | -4.4% | |
| 7/28/2026 | -0.2% | -0.6% | 1.0% |
| 4/28/2026 | 0.0% | 0.4% | 6.3% |
| 1/27/2026 | 3.7% | -3.2% | -1.7% |
| 10/23/2025 | -2.5% | -1.5% | -4.1% |
| 7/22/2025 | -0.2% | 0.4% | -12.5% |
| 4/22/2025 | 1.3% | 1.7% | 4.8% |
| 1/28/2025 | -0.1% | -3.9% | -0.6% |
| 10/22/2024 | 2.3% | 7.7% | 9.7% |
| 7/23/2024 | -0.3% | -5.1% | -7.0% |
| 4/24/2024 | -1.0% | 5.4% | 8.5% |
| 1/29/2024 | -2.8% | -2.8% | 1.1% |
| 10/26/2023 | 0.0% | -1.4% | -2.2% |
| 7/25/2023 | 4.0% | 4.9% | 7.5% |
| 4/25/2023 | -2.1% | -2.6% | -7.8% |
| 1/30/2023 | 2.2% | 3.1% | 0.6% |
| 10/25/2022 | -1.0% | -3.1% | -6.9% |
| 7/26/2022 | 2.2% | 3.0% | 6.4% |
| 4/26/2022 | -2.1% | -3.1% | -7.5% |
| 1/27/2022 | 0.7% | -0.3% | -3.5% |
| 10/19/2021 | 0.8% | 1.2% | 0.0% |
| 7/20/2021 | 0.0% | 4.7% | 2.8% |
| 4/27/2021 | -0.1% | -2.3% | 5.2% |
| 1/29/2021 | -0.1% | 0.3% | 0.9% |
| SUMMARY STATS | |||
| # Positive | 11 | 11 | 13 |
| # Negative | 13 | 13 | 10 |
| Median Positive | 1.3% | 3.0% | 4.8% |
| Median Negative | -1.0% | -2.8% | -5.5% |
| Max Positive | 4.0% | 7.7% | 9.7% |
| Max Negative | -4.3% | -5.1% | -12.5% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 08/11/2026 | 10-Q |
| 03/31/2026 | 05/13/2026 | 10-Q |
| 12/31/2025 | 03/17/2026 | 10-K |
| 09/30/2025 | 11/12/2025 | 10-Q |
| 06/30/2025 | 08/12/2025 | 10-Q |
| 03/31/2025 | 05/02/2025 | 10-Q |
| 12/31/2024 | 03/11/2025 | 10-K |
| 09/30/2024 | 11/01/2024 | 10-Q |
| 06/30/2024 | 08/02/2024 | 10-Q |
| 03/31/2024 | 05/08/2024 | 10-Q |
| 12/31/2023 | 03/14/2024 | 10-K |
| 09/30/2023 | 11/07/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 05/05/2023 | 10-Q |
| 12/31/2022 | 03/17/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 08/11/2026 | 10-Q |
| 03/31/2026 | 05/13/2026 | 10-Q |
| 12/31/2025 | 03/17/2026 | 10-K |
| 09/30/2025 | 11/12/2025 | 10-Q |
| 06/30/2025 | 08/12/2025 | 10-Q |
| 03/31/2025 | 05/02/2025 | 10-Q |
| 12/31/2024 | 03/11/2025 | 10-K |
| 09/30/2024 | 11/01/2024 | 10-Q |
| 06/30/2024 | 08/02/2024 | 10-Q |
| 03/31/2024 | 05/08/2024 | 10-Q |
| 12/31/2023 | 03/14/2024 | 10-K |
| 09/30/2023 | 11/07/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 05/05/2023 | 10-Q |
| 12/31/2022 | 03/17/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 08/04/2022 | 10-Q |
| 03/31/2022 | 05/05/2022 | 10-Q |
| 12/31/2021 | 03/08/2022 | 10-K |
| 09/30/2021 | 10/29/2021 | 10-Q |
| 06/30/2021 | 07/30/2021 | 10-Q |
| 03/31/2021 | 04/30/2021 | 10-Q |
| 12/31/2020 | 03/09/2021 | 10-K |
| 09/30/2020 | 10/30/2020 | 10-Q |
| 06/30/2020 | 08/06/2020 | 10-Q |
| 03/31/2020 | 05/08/2020 | 10-Q |
| 12/31/2019 | 03/06/2020 | 10-K |
| 09/30/2019 | 10/31/2019 | 10-Q |
Insider Activity
Updated 10/2/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | O'Donnell, Shannon | Senior Vice President | Direct | Buy | 10022026 | 27.53 | 27 | 743 | 53,102 | Form |
| 2 | Housel, David E | Direct | Buy | 10022026 | 27.49 | 51 | 1,402 | 257,523 | Form | |
| 3 | Barrett, J Tutt | Direct | Buy | 10022026 | 27.50 | 73 | 2,007 | 256,991 | Form | |
| 4 | Ham, William F JR | Direct | Buy | 10022026 | 27.41 | 47 | 1,288 | 141,162 | Form | |
| 5 | O'Donnell, Shannon | Senior Vice President | Direct | Buy | 7022026 | 26.54 | 27 | 717 | 50,474 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | O'Donnell, Shannon | Senior Vice President | Direct | Buy | 10022026 | 27.53 | 27 | 743 | 53,102 | Form |
| 2 | Housel, David E | Direct | Buy | 10022026 | 27.49 | 51 | 1,402 | 257,523 | Form | |
| 3 | Barrett, J Tutt | Direct | Buy | 10022026 | 27.50 | 73 | 2,007 | 256,991 | Form | |
| 4 | Ham, William F JR | Direct | Buy | 10022026 | 27.41 | 47 | 1,288 | 141,162 | Form | |
| 5 | O'Donnell, Shannon | Senior Vice President | Direct | Buy | 7022026 | 26.54 | 27 | 717 | 50,474 | Form |
| 6 | Housel, David E | Direct | Buy | 7022026 | 26.63 | 53 | 1,411 | 248,124 | Form | |
| 7 | Ham, William F JR | Direct | Buy | 7022026 | 26.90 | 47 | 1,264 | 136,760 | Form | |
| 8 | Ham, William F JR | Direct | Buy | 7022026 | 26.01 | 10 | 260 | 132,495 | Form | |
| 9 | Barrett, J Tutt | Direct | Buy | 7022026 | 26.62 | 74 | 1,970 | 246,879 | Form | |
| 10 | Hedges, David A | President\CEO | Direct | Buy | 5072026 | 23.75 | 1,000 | 23,750 | 342,024 | Form |
| 11 | Housel, David E | Direct | Buy | 5062026 | 23.96 | 150 | 3,594 | 221,965 | Form | |
| 12 | Conn, Walton T JR | IRA FBO Walton T Conn, Jr. | Buy | 4302026 | 23.89 | 200 | 4,779 | 34,958 | Form | |
| 13 | Conn, Walton T JR | Direct | Buy | 4302026 | 23.90 | 150 | 3,584 | 41,052 | Form | |
| 14 | O'Donnell, Shannon | Senior Vice President | Direct | Buy | 4152026 | 23.61 | 30 | 708 | 44,264 | Form |
| 15 | Housel, David E | Direct | Buy | 4152026 | 23.58 | 58 | 1,368 | 214,930 | Form | |
| 16 | Ham, William F JR | Direct | Buy | 4152026 | 23.72 | 53 | 1,257 | 119,227 | Form | |
| 17 | Ham, William F JR | Direct | Buy | 4152026 | 23.25 | 11 | 256 | 117,110 | Form | |
| 18 | Barrett, J Tutt | Direct | Buy | 4152026 | 23.64 | 83 | 1,962 | 217,458 | Form | |
| 19 | Conn, Walton T JR | IRA FBO Walton T Conn, Jr. | Buy | 3122026 | 24.10 | 200 | 4,820 | 30,125 | Form | |
| 20 | Conn, Walton T JR | Direct | Buy | 2242026 | 24.75 | 100 | 2,475 | 38,362 | Form | |
| 21 | Conn, Walton T JR | IRA FBO Walton T Conn, Jr. | Buy | 2242026 | 24.75 | 100 | 2,475 | 25,988 | Form | |
| 22 | Conn, Walton T JR | Direct | Buy | 1302026 | 25.00 | 100 | 2,500 | 36,250 | Form | |
| 23 | Conn, Walton T JR | IRA FBO Walton T Conn, Jr. | Buy | 1302026 | 25.17 | 175 | 4,405 | 21,396 | Form | |
| 24 | O'Donnell, Shannon | Senior Vice President | Direct | Buy | 1152026 | 27.09 | 27 | 732 | 42,376 | Form |
| 25 | Ham, William F JR | Direct | Buy | 1152026 | 27.06 | 46 | 1,245 | 142,456 | Form | |
| 26 | Ham, William F JR | Direct | Buy | 1152026 | 27.14 | 9 | 244 | 143,121 | Form | |
| 27 | Housel, David E | Direct | Buy | 1152026 | 27.09 | 51 | 1,381 | 245,290 | Form | |
| 28 | Barrett, J Tutt | Direct | Buy | 1152026 | 27.09 | 72 | 1,950 | 246,923 | Form | |
| 29 | Housel, David E | Direct | Buy | 12032025 | 24.99 | 100 | 2,499 | 225,035 | Form | |
| 30 | Housel, David E | Direct | Buy | 12032025 | 24.17 | 25 | 604 | 215,234 | Form | |
| 31 | Conn, Walton T JR | Direct | Buy | 12012025 | 24.75 | 200 | 4,950 | 33,091 | Form | |
| 32 | Housel, David E | Direct | Buy | 11182025 | 25.39 | 200 | 5,078 | 225,463 | Form | |
| 33 | Ham, William F JR | Direct | Buy | 10092025 | 27.48 | 45 | 1,237 | 134,923 | Form | |
| 34 | Ham, William F JR | Direct | Buy | 10092025 | 27.42 | 9 | 247 | 134,855 | Form | |
| 35 | O'Donnell, Shannon | Senior Vice President | Direct | Buy | 10092025 | 27.46 | 25 | 686 | 42,201 | Form |
| 36 | Housel, David E | Direct | Buy | 10092025 | 27.47 | 49 | 1,346 | 238,398 | Form | |
| 37 | Barrett, J Tutt | Direct | Buy | 10092025 | 27.46 | 70 | 1,923 | 248,391 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
Prefer one of these to Trefis? Tell us why.