Filing Flows › Financials › Auburn National Bancorporation (AUBN)
Auburn National Bancorporation (AUBN) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Auburn National Bancorporation (AUBN) Q3 2026 earnings results →
Q3 2026 Revenue up 7% year over year to $9.0M · 28¢ of every $1 of revenue kept as net profit · operating margin 35.0%
Auburn National Bancorporation made $9.0M in Q3 2026 (+7% Y/Y): Net interest income $8.0M, Noninterest income $974K. Operating margin 35.0%, net earnings $2.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $9.0M in Q3 2026, up 7% year over year and up 3% from the previous quarter. Net interest income was the largest line at 89% of revenue. Net interest income added $442K year over year (up 6%), 75% of the total change.
Operating profit was $3.1M, a 35.0% margin (up 1.1 points year over year). Of the extra revenue versus Q3 2025, 50% reached operating profit, above the 34% margin then. Total costs grew 5% against revenue growth of 7%. Net earnings were $2.5M, up 13% year over year. The effective tax rate was 19.8%.
Operating cash flow was $4.0M (down 3% year over year), 157% of net earnings. Non-cash charges added back $17K of share-based compensation. Working capital and other items added $1.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $9.0M | +7% | 35.0% | $2.5M | $4.0M |
| Q2 2026 | 10-Q | Aug 11, 2026 | $8.8M | +8% | 33.2% | $2.3M | $1.5M |
| Q1 2026 | 10-Q | May 13, 2026 | $8.6M | +11% | 32.5% | $2.2M | $2.5M |
| Q4 2025 | 10-K | Mar 17, 2026 | $8.5M | +8% | 25.1% | $1.7M | $3.5M |
| Q3 2025 | 10-Q | Nov 12, 2025 | $8.4M | +10% | 33.9% | $2.2M | $4.1M |
| Q2 2025 | 10-Q | Aug 12, 2025 | $8.1M | +7% | 28.5% | $1.8M | $2.1M |
| Q1 2025 | 10-Q | May 2, 2025 | $7.8M | +3% | 24.7% | $1.5M | $2.6M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About Auburn National Bancorporation
Auburn National Bancorporation, Inc. (the “Company”) is the parent company of AuburnBank (the “Bank”), with total assets of approximately $1.1 billion. The Bank is an Alabama state-chartered bank that is a member of the Federal Reserve System, which has operated continuously since 1907. Both the Company and the Bank are headquartered in Auburn, Alabama. The Bank conducts its business in East Alabama, including Lee County and surrounding areas. The Bank operates seven full-service branches in Auburn, Opelika, Valley, and Notasulga, Alabama. The Bank also operates a loan production office in Phenix City, Alabama. Additional information about the Company and the Bank may be found by visiting www.auburnbank.com.
In its own words, from its 8-K, filed Jul 28, 2026.
Auburn National Bancorporation against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +7% against the peers' median +10%. Operating margin: 35.0% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| AUBN Auburn National Bancorporation | Q3 2026 | $9.0M | +7% | 35.0% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Auburn National Bancorporation 10-Q on SEC EDGAR · CIK 750574 · State Commercial Banks
Guidance and outlook
13F: who owns AUBN and who is buying
More on AUBN
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results