AUBN Auburn National Bancorporation, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 11, 2026
$26.98
· of 52w range
· above low
· to high
$21.0152w low
$28.8852w high
Market Cap (MRQ)
$94M
P/E (TTM)
11.2
EPS (TTM)
$2.41
Revenue (TTM)
$618.0K
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52W Range
$21–$29
Analyst Rating
·
Price Target
·
P/E
11.2
ROE
9.3%
Net Profit Margin
1357.3%
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AUBN Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$26.98
Market Cap (MRQ)
$94M
P/E (TTM)
11.2
EPS (TTM)
$2.41
Revenue (TTM)
$618.0K
ROE (TTM)
9.3%
52W Range
$21–$29
AUBN Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| June 26, 1998 | 3-for-1 | Forward |
About Auburn National Bancorporation, Inc. - Common Stock Company overview from Wikipedia
Auburn Bank is an American community bank providing services in the East of Alabama as a state registered bank. The Bank offers financial products and services including checking, savings, and lending. The bank is a member of the Federal Home Loan Bank of Atlanta (the “FHLB”). Its operation is regulated by the Alabama Superintendent of Banks.
The bank is owned by the bank holding company Auburn National Bancorporation Inc.
History
In 1907, Sheldon (Shel) L. Toomer, a successful businessman actively involved with community activities, established Bank of Auburn (now Auburn Bank) with his fellow merchants and faculty friends. The bank was located in the heart of downtown Auburn, which was an educational center in the early twentieth century.
In 1964, the managers decided to change the bank's name to Auburn National Bank.
In 1991, the Bank became a member of the Federal Home Loan Bank of Atlanta (the “FHLB”), and in 1995, they changed the bank's name again to Auburn Bank, which is also the bank's current name.
In 2019, Auburn National Bancorporation, Inc. has stated the selection of Robert W. Dumas as Chairman of the company's board of directors and AuburnBank, its subsidiary. Dumas has been the company's president and chief executive officer since 2001, when he was also appointed director of the company.
Board of Directors and Officers
As of 2020 the board of directors and officers were:
Terry W. Andrus - Chief Executive Officer (Retired)
C. Wayne Alderman - Secretary
J. Tutt Barrett - Attorney
Lauretta Jenkins Cooper - Executive Director
Robert W. Dumas - Chairman, President & Chief Executive Officer
Source: Wikipedia, CC BY-SA 4.0 · View on Wikipedia ↗
sectorFinancials
industryBanking
employees145
countryUS
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$619.0K2017-12-31 → 2025-12-31
EPS$2.082024-12-31 → 2025-12-31
Free Cash Flow$11M2022-12-31 → 2025-12-31
Net margin1357.3%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | AUBN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 11.2 | · | · | · | |
| P/S (TTM) | 152.35Y avg ≈155.4 | ≈155.4 | · | · | |
| P/B (MRQ) | 1.05Y avg ≈1.1 | ≈1.1 | · | · | |
| Price / FCF | 8.75Y avg ≈12.9 | ≈12.9 | · | · | |
| Price / Cash Flow | 7.65Y avg ≈7.9 | ≈7.9 | · | · | |
| Price / Tangible Book | 1.05Y avg ≈1.1 | ≈1.1 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | AUBN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin (TTM) | 1728.3%5Y avg ≈1668.3% | ≈1668.3% | · | · | |
| Net Profit Margin (TTM) | 1357.3%5Y avg ≈1341.1% | ≈1341.1% | · | · | |
| ROA (TTM) | 0.79%5Y avg ≈0.78% | ≈0.78% | · | · | |
| ROE (TTM) | 9.3%5Y avg ≈10.0% | ≈10.0% | · | · |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | AUBN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 0.81%5Y avg ≈1.2% | ≈1.2% | · | · | |
| Revenue CAGR 3Y | 1.2%5Y avg ≈1.6% | ≈1.6% | · | · | |
| Revenue CAGR 5Y | 1.1% | · | · | · | |
| EPS YoY | 13.7% | · | · | · | |
| Net Income YoY | 13.4%5Y avg ≈64.4% | ≈64.4% | · | · | |
| Net Income CAGR 3Y | -11.2%5Y avg ≈-20.4% | ≈-20.4% | · | · | |
| Net Income CAGR 5Y | -0.54% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | AUBN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | · | · | |
| Revenue / Employee | ≈$4.3K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Annualized Payout≈$1.08
5Y Div CAGR≈1.1%
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 10, 2026 | $0.27 | USD | ≈4.0% |
| Jun 10, 2026 | $0.27 | USD | ≈4.3% |
| Mar 10, 2026 | $0.27 | USD | ≈4.5% |
| Dec 10, 2025 | $0.27 | USD | ≈4.0% |
| Sep 10, 2025 | $0.27 | USD | ≈4.4% |
| Jun 10, 2025 | $0.27 | USD | ≈4.9% |
| Mar 10, 2025 | $0.27 | USD | ≈5.3% |
| Dec 10, 2024 | $0.27 | USD | ≈4.6% |
| Sep 10, 2024 | $0.27 | USD | ≈5.4% |
| Jun 10, 2024 | $0.27 | USD | ≈5.8% |
| Mar 7, 2024 | $0.27 | USD | ≈5.3% |
| Dec 7, 2023 | $0.27 | USD | ≈5.2% |
| Sep 7, 2023 | $0.27 | USD | ≈4.9% |
| Jun 8, 2023 | $0.27 | USD | ≈5.1% |
| Mar 9, 2023 | $0.27 | USD | ≈4.5% |
| Dec 8, 2022 | $0.27 | USD | ≈4.6% |
| Sep 8, 2022 | $0.27 | USD | ≈4.2% |
| Jun 9, 2022 | $0.27 | USD | ≈3.5% |
| Mar 9, 2022 | $0.27 | USD | ≈3.2% |
| Dec 9, 2021 | $0.26 | USD | ≈3.1% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Next Report
Oct 21, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| March 31, 2026 | $0.63 | — | — | |
| Sept. 30, 2024 | $0.50 | — | — | |
| Dec. 31, 2023 | $-1.14 | — | — | |
| June 30, 2023 | $0.55 | — | — | |
| March 31, 2023 | $0.56 | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $619.0K | $614.0K | $603.0K | $598.0K | $566.0K | $585.0K | $717.0K | $749.0K | $746.0K | |
| Interest Expense | $11M | $12M | $8M | $2M | $3M | $4M | $4M | $4M | $4M | |
| Interest Income | $41M | $39M | $34M | $30M | $27M | $28M | $30M | $29M | $28M | |
| Pretax Income | $9M | $8M | $618.0K | $13M | $9M | $9M | $12M | $11M | $11M | |
| Income Tax | $2M | $2M | $-777.0K | $3M | $1M | $2M | $2M | $2M | $4M | |
| Net Income | $7M | $6M | $1M | $10M | $8M | $7M | $10M | $9M | $8M | |
| EPS (Basic) | $2.08 | $1.83 | $0.40 | $2.95 | $2.27 | · | · | · | · | |
| EPS (Diluted) | $2.08 | $1.83 | · | · | · | · | · | · | · | |
| Shares (Basic) | 3,493,699 | 3,493,690 | 3,498,030 | 3,510,869 | 3,545,310 | · | · | · | · | |
| Shares (Diluted) | 3,495,036 | 3,493,690 | · | · | · | · | · | · | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $46M | $46M | $46M | $47M | $42M | $22M | $15M | $14M | $14M | |
| PP&E (Gross) | $56M | $54M | $52M | $52M | $48M | $28M | $23M | $21M | $21M | |
| Accum. Depreciation | $10M | $8M | $7M | $5M | $7M | $6M | $8M | $8M | $7M | |
| Total Assets | $1.02B | $977M | $975M | $1.02B | $1.11B | $957M | $828M | $818M | $853M | |
| Total Liabilities | $927M | $899M | $899M | $956M | $1.00B | $849M | $730M | $729M | $766M | |
| Long-term Debt | · | · | · | · | · | · | · | · | $3M | |
| Common Stock | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | |
| Retained Earnings | $119M | $116M | $113M | $117M | $110M | $106M | $102M | $96M | $90M | |
| Treasury Stock | $12M | $12M | $12M | $11M | $11M | $9M | $9M | $7M | $7M | |
| AOCI | $-19M | $-30M | $-29M | $-41M | $891.0K | $8M | $2M | $-4M | $-566.0K | |
| Stockholders' Equity | $92M | $78M | $77M | $68M | $104M | $108M | $98M | $89M | $87M | |
| Liabilities + Equity | $1.02B | $977M | $975M | $1.02B | $1.11B | $957M | $828M | $818M | $853M | |
| Shares Outstanding | 3,493,699 | 3,493,699 | 3,493,614 | 3,503,452 | 3,520,485 | 3,566,276 | 3,566,146 | 3,643,868 | 3,643,668 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2M | $2M | $1M | $2M | $1M | $938.0K | $1M | |
| Stock-based Comp | $62.0K | $0 | · | · | · | · | · | · | · | |
| Deferred Tax | $-129.0K | $438.0K | $-195.0K | $686.0K | $278.0K | $-330.0K | $-153.0K | $71.0K | $356.0K | |
| Operating Cash Flow | $12M | $11M | $12M | $11M | $12M | $10M | $11M | $12M | $9M | |
| CapEx | $1M | $2M | $418.0K | $7M | $20M | · | · | · | · | |
| Investing Cash Flow | $19M | $17M | $91M | $-91M | $-119M | $-103M | $24M | $-12M | $-40M | |
| Net Debt Issued | · | · | · | · | · | · | $0 | $-3M | $0 | |
| Stock Repurchased | · | $0 | $229.0K | $504.0K | $2M | $0 | $3M | $0 | · | |
| Net Stock Activity | · | $0 | · | $-504.0K | $-2M | $0 | $-3M | · | · | |
| Financing Cash Flow | $23M | $-6M | $-59M | $-49M | $150M | $113M | $-8M | $-41M | $14M | |
| Net Change in Cash | · | · | · | · | · | · | · | $-40M | $-16M | |
| Taxes Paid | $676.0K | $1M | $1M | $1M | $3M | $2M | $2M | $3M | $3M | |
| Free Cash Flow | $11M | $9M | · | $4M | · | · | · | · | · | |
| Levered FCF | $2M | $-122.4K | · | $2M | · | · | · | · | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 1172.0% | 1041.9% | · | 1730.1% | 1420.3% | 1274.2% | 1358.6% | 1179.4% | 28.1% | |
| Pretax Margin | 1488.0% | 1367.6% | · | 2148.7% | 1668.7% | 1548.5% | 1689.1% | 1471.4% | 41.1% | |
| ROA | 0.73% | 0.66% | · | 0.97% | 0.78% | 0.84% | 1.2% | 1.1% | 0.93% | |
| ROE | 8.2% | 7.9% | · | 16.2% | 7.7% | 7.0% | 10.0% | 10.1% | 9.0% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $26.35 | $22.41 | · | $19.42 | $29.46 | $30.20 | $27.57 | $22.50 | $21.96 | |
| Revenue / Share | $0.18 | · | · | · | · | · | · | · | · | |
| Cash Flow / Share | $3.53 | · | · | · | · | · | · | · | · | |
| Dividend Paid / Share | $1.08 | $1.08 | $1.08 | $1.06 | $1.04 | $1.02 | $0.96 | $0.96 | $0.92 | |
| EPS (TTM) | $2.08 | $1.83 | · | · | · | · | · | · | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 0.81% | 1.8% | 0.84% | 5.7% | -3.2% | · | · | · | · | |
| Revenue CAGR 3Y | 1.2% | 2.8% | 1.0% | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 1.1% | · | · | · | · | · | · | · | · | |
| EPS YoY | 13.7% | · | · | · | · | · | · | · | · | |
| Net Income YoY | 13.4% | 358.6% | -86.5% | 28.7% | 7.8% | · | · | · | · | |
| Net Income CAGR 3Y | -11.2% | -7.3% | -42.8% | · | · | · | · | · | · | |
| Net Income CAGR 5Y | -0.54% | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $619.0K | $614.0K | $603.0K | $598.0K | $566.0K | $585.0K | $717.0K | $749.0K | $746.0K | |
| Net Income TTM | $7M | $6M | $1M | $10M | $8M | $7M | $10M | $9M | $8M | |
| Market Cap | $94M | $82M | · | $81M | $114M | $149M | $189M | $125M | $154M | |
| P/E | 13.0 | 12.8 | · | · | · | · | · | · | · | |
| P/S | 152.1 | 133.7 | · | 134.7 | 200.9 | 254.2 | 263.6 | 167.3 | 206.3 | |
| P/B | 1.0 | 1.0 | · | 1.2 | 1.1 | 1.4 | 1.9 | 1.4 | 1.8 | |
| P / Tangible Book | 1.0 | 1.0 | 1.0 | 1.2 | 1.1 | 1.4 | · | · | · | |
| P / Cash Flow | 7.6 | 7.6 | · | 7.3 | 9.2 | 15.3 | 17.4 | 10.3 | 16.4 | |
| P / FCF | 8.7 | 9.4 | · | 20.5 | · | · | · | · | · | |
| Earnings Yield | 7.7% | 7.8% | · | · | · | · | · | · | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $153.0K | $153.0K | $158.0K | $154.0K | $152.0K | $155.0K | $151.0K | $154.0K | $153.0K | $156.0K | $147.0K | $148.0K | $154.0K | $154.0K | $152.0K | $158.0K | |
| Interest Expense | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $2M | $2M | $1M | $703.0K | $529.0K | |
| Interest Income | $11M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $9M | $9M | $9M | $8M | $8M | $8M | $8M | |
| Pretax Income | $3M | $3M | $2M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $-5M | $2M | $2M | $2M | $6M | $2M | |
| Income Tax | $611.0K | $603.0K | $456.0K | $623.0K | $485.0K | $392.0K | $830.0K | $531.0K | $475.0K | $164.0K | $-2M | $182.0K | $288.0K | $267.0K | $1M | $432.0K | |
| Net Income | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $1M | $-4M | $1M | $2M | $2M | $4M | $2M | |
| EPS (Basic) | $0.66 | $0.63 | $0.48 | $0.64 | $0.52 | $0.44 | $0.44 | $0.50 | $0.50 | $0.39 | $-1.14 | $0.43 | $0.55 | $0.56 | $1.28 | $0.57 | |
| EPS (Diluted) | $0.66 | $0.63 | $0.48 | $0.64 | $0.52 | $0.44 | $0.45 | $0.50 | · | · | · | · | · | · | · | · | |
| Shares (Basic) | 3,492,107 | 3,494,229 | · | 3,493,699 | 3,493,699 | 3,493,699 | · | 3,493,699 | 3,493,699 | 3,493,663 | · | 3,496,411 | 3,500,064 | 3,502,143 | · | 3,507,318 | |
| Shares (Diluted) | 3,492,107 | 3,496,518 | · | 3,495,972 | 3,493,699 | 3,493,699 | · | 3,493,699 | · | · | · | · | · | · | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $45M | $45M | $46M | $45M | $45M | $46M | $46M | $46M | $47M | $46M | $46M | $46M | $46M | $46M | $47M | $46M | |
| PP&E (Gross) | · | · | $56M | · | · | · | $54M | · | · | · | $52M | · | · | · | $52M | · | |
| Accum. Depreciation | · | · | $10M | · | · | · | $8M | · | · | · | $7M | · | · | · | $5M | · | |
| Total Assets | $1.09B | $1.03B | $1.02B | $1.01B | $1.03B | $997M | $977M | $990M | $1.03B | $979M | $975M | $1.03B | $1.03B | $1.02B | $1.02B | $1.04B | |
| Total Liabilities | $992M | $934M | $927M | $922M | $943M | $914M | $899M | $906M | $950M | $905M | $899M | $969M | $955M | $944M | $956M | $983M | |
| Common Stock | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | $39.0K | |
| Retained Earnings | $122M | $120M | $119M | $119M | $117M | $116M | $116M | $115M | $114M | $114M | $113M | $118M | $118M | $117M | $117M | $113M | |
| Treasury Stock | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $11M | $11M | |
| AOCI | $-20M | $-20M | $-19M | $-21M | $-23M | $-25M | $-30M | $-23M | $-31M | $-31M | $-29M | $-49M | $-39M | $-35M | $-41M | $-46M | |
| Stockholders' Equity | $94M | $93M | $92M | $90M | $86M | $83M | $78M | $84M | $75M | $74M | $77M | $61M | $71M | $74M | $68M | $60M | |
| Liabilities + Equity | $1.09B | $1.03B | $1.02B | $1.01B | $1.03B | $997M | $977M | $990M | $1.03B | $979M | $975M | $1.03B | $1.03B | $1.02B | $1.02B | $1.04B | |
| Shares Outstanding | 3,487,830 | 3,495,866 | 3,493,699 | 3,493,699 | 3,493,699 | 3,493,699 | 3,493,699 | 3,493,699 | 3,493,699 | 3,493,699 | 3,493,614 | 3,493,614 | 3,499,412 | 3,500,879 | 3,503,452 | 3,505,355 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $553.0K | $557.0K | $549.0K | $531.0K | $505.0K | $528.0K | $531.0K | $500.0K | $468.0K | $434.0K | $422.0K | $420.0K | $435.0K | $423.0K | $430.0K | $467.0K | |
| Stock-based Comp | $5.0K | $24.0K | $37.0K | $25.0K | $0 | $0 | $0 | · | · | · | · | · | · | · | · | · | |
| Operating Cash Flow | $2M | $3M | $4M | $4M | $2M | $3M | $3M | $2M | $3M | $3M | $1M | $3M | $2M | $5M | $2M | $5M | |
| Investing Cash Flow | $8M | $-11M | $-3M | $10M | $3M | $9M | $8M | $19M | $-5M | $-4M | $110M | $-16M | $-9M | $6M | $-16M | $-41M | |
| Stock Repurchased | · | · | · | · | · | · | · | $0 | $0 | $0 | $0 | $130.0K | $35.0K | $64.0K | $44.0K | $129.0K | |
| Net Stock Activity | · | · | · | · | · | · | · | · | · | $0 | · | · | · | $-64.0K | · | · | |
| Financing Cash Flow | $56M | $7M | $5M | $-24M | $28M | $14M | $-7M | $-46M | $44M | $3M | $-70M | $12M | $10M | $-12M | $-29M | $-27M | |
| Taxes Paid | $1M | $0 | $-354.0K | $0 | $1M | $0 | $655.0K | $129.0K | $460.0K | $0 | $430.0K | $0 | $800.0K | $0 | $320.0K | $300.0K |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 1502.0% | 1436.6% | · | 1446.1% | 1205.9% | 987.1% | · | 1124.7% | 1133.3% | 878.9% | · | 1005.4% | 1252.0% | 1275.3% | · | 1264.6% | |
| Pretax Margin | 1901.3% | 1830.7% | · | 1850.6% | 1525.0% | 1240.0% | · | 1469.5% | 1443.8% | 984.0% | · | 1128.4% | 1439.0% | 1448.7% | · | 1538.0% | |
| ROA | 0.22% | 0.22% | · | 0.22% | 0.18% | 0.15% | · | 0.17% | 0.17% | 0.14% | · | 0.14% | 0.18% | 0.18% | · | 0.19% | |
| ROE | 2.5% | 2.5% | · | 2.6% | 2.3% | 1.9% | · | 2.4% | 2.4% | 1.8% | · | 2.5% | 2.6% | 2.5% | · | 2.4% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $26.91 | $26.62 | · | $25.65 | $24.64 | $23.79 | · | $24.14 | $21.53 | $21.32 | · | $17.59 | $20.28 | $21.03 | · | $17.06 | |
| Revenue / Share | $0.04 | $0.04 | · | $0.04 | · | · | · | · | · | · | · | · | · | · | · | · | |
| Cash Flow / Share | · | $0.72 | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Dividend Paid / Share | $0.27 | $0.27 | $0.27 | $0.27 | $0.27 | $0.27 | $0.27 | $0.27 | $0.27 | $0.27 | $0.27 | $0.27 | $0.27 | $0.27 | $0.27 | $0.27 | |
| EPS (TTM) | $2.41 | $2.27 | · | $2.05 | $1.91 | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $618.0K | $617.0K | · | $612.0K | $612.0K | $613.0K | · | $610.0K | $604.0K | $605.0K | · | $608.0K | $618.0K | $610.0K | · | $593.0K | |
| Net Income TTM | $8M | $8M | · | $7M | $7M | $7M | · | $852.0K | $608.0K | $802.0K | · | $10M | $10M | $10M | · | $8M | |
| Market Cap | $94M | $83M | · | $99M | $87M | $75M | · | $80M | $64M | $67M | · | $75M | $74M | $79M | · | $81M | |
| P/E | 11.2 | 10.5 | · | 13.9 | 13.1 | · | · | · | · | · | · | · | · | · | · | · | |
| P/S | 152.6 | 135.2 | · | 162.4 | 142.7 | 123.0 | · | 131.2 | 105.8 | 111.3 | · | 123.5 | 120.4 | 130.0 | · | 136.1 | |
| P/B | 1.0 | 0.9 | · | 1.1 | 1.0 | 0.9 | · | 0.9 | 0.8 | 0.9 | · | 1.2 | 1.0 | 1.1 | · | 1.3 | |
| P / Tangible Book | 1.0 | 0.9 | · | 1.1 | 1.0 | 0.9 | · | 0.9 | 0.8 | 0.9 | · | 1.2 | 1.0 | 1.1 | · | 1.3 | |
| P / Cash Flow | · | 32.9 | · | · | · | 28.7 | · | · | · | 21.9 | · | · | · | 16.2 | · | · | |
| Earnings Yield | 8.9% | 9.5% | · | 7.2% | 7.6% | · | · | · | · | · | · | · | · | · | · | · |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | $619.0K | $614.0K | $603.0K | $598.0K | $566.0K |
| Net Income | $7M | $6M | $1M | $10M | $8M |
| Diluted EPS | $2.08 | $1.83 | · | · | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $11M | $9M | · | $4M | · |
Institutional owners (13F) 28 filers · $12.7M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
28
Value held
$12.7M
New positions
4
Exited positions
1
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 4 (-2 vs prior Q) | 1 (-4 vs prior Q) | 7 (+2 vs prior Q) | 6 (+3 vs prior Q) | -9K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| VANGUARD GROUP INC | $2,163,250 | 80,269 | 17.05% | Shares |
| LPL Financial LLC | $1,367,490 | 50,573 | 10.78% | Shares |
| Truffle Hound Capital, LLC | $1,352,000 | 50,000 | 10.66% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $1,134,949 | 41,973 | 8.95% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $898,025 | 33,211 | 7.08% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $696,000 | 25,733 | 5.49% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $688,087 | 25,447 | 5.42% | Shares |
| Aptus Capital Advisors, LLC | $549,723 | 20,330 | 4.33% | Shares |
| TRUIST FINANCIAL CORP | $528,713 | 19,553 | 4.17% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $512,272 | 18,945 | 4.04% | Shares |
| Fourthstone LLC | $481,474 | 17,806 | 3.79% | Shares |
| Empowered Funds, LLC | $478,905 | 17,711 | 3.77% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $440,995 | 16,309 | 3.48% | Shares |
| JAMISON PRIVATE WEALTH MANAGEMENT, INC. | $338,471 | 12,517 | 2.67% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $327,481 | 12,111 | 2.58% | Shares |
| BlackRock, Inc. | $279,701 | 10,344 | 2.20% | Shares |
| RBF Capital, LLC | $270,400 | 10,000 | 2.13% | Shares |
| MORGAN STANLEY | $104,835 | 3,877 | 0.83% | Shares |
| OSAIC HOLDINGS, INC. | $35,175 | 1,301 | 0.28% | Shares |
| Vanguard Global Advisers, LLC | $26,067 | 964 | 0.21% | Shares |
| EverSource Wealth Advisors, LLC | $7,301 | 270 | 0.06% | Shares |
| Blue Trust, Inc. | $2,650 | 98 | 0.02% | Shares |
| NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO | $1,649 | 61 | 0.01% | Shares |
| Tower Research Capital LLC (TRC) | $865 | 32 | 0.01% | Shares |
| JPMORGAN CHASE & CO | $396 | 14 | 0.00% | Shares |
| UBS Group AG | $352 | 13 | 0.00% | Shares |
| BARCLAYS PLC | $135 | 5 | 0.00% | Shares |
| WELLS FARGO & COMPANY/MN | $14 | 1 | 0.00% | Shares |
Activists & 5%+ owners 5 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Bruce Steven Spencer | Sept. 15, 2025 | 0.00% | Initial filing | · | SEC |
| Sandra J. Spencer | Sept. 15, 2025 | 0.00% | Amendment | · | SEC |
| Anne M. May | Sept. 15, 2025 | 0.00% | Initial filing | · | SEC |
| Sandra J. Spencer (2) ×3 filings | May 22, 2024 | · | Initial filing | · | SEC |
| Emil F. Wright, Jr. (2) | Dec. 26, 2023 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 27 insiders · 13 officers · 15 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| David A Hedges | President\CEO | June 5, 2026 A | 14,401 | 1 | 0 | $23,750 |
| Robert W Dumas | President/CEO | Jan. 22, 2019 G | 39,118 | 0 | 0 | $0 |
| William James Walker IV | SVP/CFO | June 5, 2026 A | 749 | 0 | 0 | $0 |
| Shannon O'Donnell | Senior Vice President | Sept. 30, 2026 P | 1,929 | 10 | 0 | $3,587 |
| Robert Lawrence Smith | SVP/CLO | June 5, 2026 A | 714 | 0 | 0 | $0 |
| Terrell E Bishop | Senior Vice President | March 12, 2020 P | 42,205 | 0 | 0 | $0 |
| Jerome B Siegel | SVP/CTO | Feb. 26, 2020 S | 287 | 0 | 0 | $0 |
| Charles Edward Smith JR | Senior Vice President | Jan. 21, 2020 P | 697 | 0 | 0 | $0 |
| William Thomas Johnson | SVP/Senior Lender | Jan. 21, 2020 P | 5,577 | 0 | 0 | $0 |
| Samuel Mark Bridges | Senior Vice President | Jan. 31, 2019 P | 10 | 0 | 0 | $0 |
| James E Dulaney | Senior Vice President | Aug. 29, 2018 G | 4,983 | 0 | 0 | $0 |
| Jo Ann Hall | Executive Vice President | April 11, 2014 G | 21,930 | 0 | 0 | $0 |
| Kris Blackmon | Vice President | May 26, 2010 P | 430 | 0 | 0 | $0 |
| Tutt J Barrett | Director | Sept. 30, 2026 P | 9,346 | 10 | 0 | $9,811 |
| William F Ham JR | Director | Sept. 30, 2026 P | 5,150 | 10 | 0 | $7,298 |
| David E Housel | Director | Sept. 30, 2026 P | 9,368 | 14 | 0 | $18,682 |
| Walton T Conn Jr. | Director | April 30, 2026 P | 1,718 | 9 | 0 | $29,990 |
| Sandra J. Spencer | Director | Sept. 11, 2025 W | 227,942 | 0 | 0 | $0 |
| Anne M. May | Director | Sept. 11, 2025 J | 15,960 | 0 | 0 | $0 |
| Michael A Lawler | Director | April 28, 2025 P | 3,000 | 0 | 0 | $0 |
| Terry W Andrus | Director | Jan. 3, 2023 P | 4,045 | 0 | 0 | $0 |
| Lauretta Jenkins Cooper | Director | Nov. 17, 2020 P | 127 | 0 | 0 | $0 |
| Edward L Spencer JR | Director | Dec. 13, 2018 G | 17,000 | 0 | 0 | $0 |
| Amy B Murphy | Director | Aug. 10, 2017 P | 100 | 0 | 0 | $0 |
| Wayne C Alderman | Director | March 6, 2017 S | 5,116 | 0 | 0 | $0 |
| Edward Lee Spencer III | Director | Sept. 22, 2014 G | 8,256 | 0 | 0 | $0 |
| Emil F Wright JR | 10% owner | April 20, 2022 S | 274,006 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 8 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.02% | 9,874 SH | Sept. 11, 2026 | Daily |
| DCOR · Dimensional ETF Trust | 0.00% | 421 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 2,938 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 804 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 500 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 300 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 25,447 SH | Aug. 19, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
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Source: SEC 10-Q filed Aug 11, 2026