AUBURN NATIONAL BANCORPORATION, INC financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data AUBURN NATIONAL BANCORPORATION, INC files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue		0.75	0.75	0.72	0.59	0.57	0.6	0.6	0.61	0.62
Interest expense	4.08	3.59	3.68	4.18	3.86	2.52	2.38	8.05	11.6	11.1
Pre-tax income	11.3	11.5	11	12.1	9.06	9.45	12.8	0.62	8.4	9.21
Income tax	3.1	3.64	2.19	2.37	1.61	1.41	2.5	-0.78	2	1.96
Net income	8.15	7.85	8.83	9.74	7.45	8.04	10.3	1.4	6.4	7.26
EPS, basic	2.24	2.15	2.42	2.72	2.09	2.27	2.95	0.40	1.83	2.08
EPS, diluted	2.24	2.15	2.42	2.72	2.09	2.27	2.95	0.40	1.83	2.08
Shares, basic (weighted)				3.58	3.57	3.55	3.51	3.5	3.49	3.49
Shares, diluted (weighted)				3.58	3.57	3.55	3.51	3.5	3.49	3.5
Dividend per share	0.90	0.92	0.96	0.96	1.02	1.04	1.06	1.08	1.08	1.08

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents					113	156	27.3	71.4	93.4	148
Property, plant and equipment	12.6	13.8	13.6	14.7	22.2	41.7	46.6	45.5	45.9	45.6
Lease right-of-use assets			0	0.79	0.79	0.69	0.59	0	0
Total assets	832	853	818	828	957	1,105	1,024	975	977	1,019
Total liabilities	750	766	729	730	849	1,001	956	899	899	927
Total debt	3.22	3.22
Paid-in capital	3.77	3.77	3.78	3.78	3.79	3.79	3.8	3.8	3.8	3.86
Retained earnings	85.7	90.3	95.6	102	106	110	117	113	116	119
Treasury stock	-6.64	-6.64	-6.64	-9.36	-9.35	-11	-11.5	-11.7	-11.7	-11.7
Other comprehensive income	-0.71	-0.57	-3.76	2.06	7.6	0.89	-40.9	-29	-29.6	-19.4
Total equity	82.2	86.9	89.1	98.3	108	104	68	76.5	78.3	92.1
Total liabilities and equity	832	853	818	828	957	1,105	1,024	975	977	1,019
Shares outstanding	3.96	3.64	3.64	3.57	3.57	3.52	3.5	3.49	3.49	3.49

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	8.15	7.85	8.83	9.74	7.45	8.04	10.3	1.4	6.4	7.26
Depreciation and amortization	1.2	1.02	0.94	1.16	1.67	1.24	1.53	1.7	1.93	2.11
Stock-based compensation									0	0.06
Deferred income tax	0.46	0.36	0.07	-0.15	-0.33	0.28	0.69	-0.2	0.44	-0.13
Cash from operations	10.5	9.4	12.1	10.9	9.73	12.3	11	11.9	10.8	12.3
Capital expenditures						-20.2	-7.05	-0.42	-2.09	-1.49
Purchases of investments					-178	-173	-93.1	0
Sales and maturities of investments	63.4	32.9	22.7	55.1	62	73.6	45.9	30.3	25.6	22
Cash from investing	-12.6	-39.6	-12.1	24.1	-103	-119	-91	91.4	16.9	18.8
Debt repaid	-3.21	0	-3.22	0
Share buybacks			0	-2.72	0	-1.62	-0.5	-0.23	0
Dividends paid	-3.28	-3.35	-3.5	-3.58	-3.64	-3.68	-3.72	-3.78	-3.77	-3.77
Cash from financing	9.44	14.5	-40.5	-7.57	113	150	-49	-59.2	-5.68	23.3
Net change in cash	7.35	-15.7	-40.5	27.4	20.1	43.7	-129	44.1	22	54.5
Free cash flow						-7.86	3.93	11.5	8.72	10.9
Interest paid	4.11	3.62	3.62	4.09	4.06	2.56	2.34	7.52	11.5	11.2
Income taxes paid	2.2	3.29	2.69	2.3	1.96	2.76	1.35	1.23	1.24	0.68

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $27.23 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Pre-tax margin	1,728.0%	Pre-tax income / revenue.
Net margin	1,357.0%	Net income / revenue.
Operating cash flow margin	1,882.0%	Cash from operations / revenue.
Effective tax rate	21.5%	Income tax / pre-tax income, when pre-tax income is positive.
Return on assets (ROA)	0.8%	Net income / average total assets.
Stock-based pay / revenue	14.7%	Stock-based compensation (from the cash flow statement) / revenue.
D&A / revenue	354.4%	Depreciation and amortization / revenue.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	0.8%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	1.2%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y	1.1%	Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y	13.4%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	-11.2%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	-0.5%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	13.7%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	-11.0%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	-0.1%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	14.2%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	4.0%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	4.9%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	24.6%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	40.3%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share growth, 1y	0.0%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	0.6%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share CAGR, 5y	1.1%	Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	4.2%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	-0.2%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	1.3%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	0.0%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	-0.2%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	-0.4%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Liabilities / assets	91.4%	Total liabilities / total assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	0.00x	Revenue / average total assets.
Fixed asset turnover	0.01x	Revenue / average property, plant and equipment.

Per share

Metric	Value	How it is calculated
EPS, diluted	$2.40	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share	$0.18	Revenue / diluted weighted shares.
Operating cash flow per share	$3.33	Cash from operations / diluted weighted shares.
Cash per share	$60.61	(Cash + short-term investments) / shares outstanding.
Payout ratio	45.0%	Dividends paid / net income, when net income is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$94.9M	Share price x shares outstanding.
Enterprise value	-$116.8M	Market cap + total debt - cash - short-term investments.
P/E	11.3x	Market cap / net income. Only when net income is positive.
P/S	153x	Market cap / revenue.
P/OCF	8.16x	Market cap / cash from operations, when positive.
Earnings yield	8.8%	Net income / market cap (the inverse of P/E).
Dividend yield	4.0%	Dividends paid over the period / market cap.
Shareholder yield	4.0%	(Dividends paid + share buybacks) / market cap.

What was AUBURN NATIONAL BANCORPORATION, INC's revenue in fiscal 2025?

AUBURN NATIONAL BANCORPORATION, INC reported revenue of $619.0K for fiscal 2025, 0.8% higher than the year before.

Was AUBURN NATIONAL BANCORPORATION, INC profitable in fiscal 2025?

Yes. Net income was $7.3M, a net margin of 1,172.1%.

How much free cash flow did AUBURN NATIONAL BANCORPORATION, INC generate in fiscal 2025?

Cash from operations of $12.3M minus capital expenditures of $1.5M left free cash flow of $10.9M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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