Auburn National Bancorporation, Inc. Financial Ratios — AUBN

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	8.82	10.25	10.18	10.05	10	9.78	8.91	9.5	9.86	7.18	7.45	9.13	1.21	5.58	6.17
Return on Assets (%)	0.72	0.88	0.94	0.97	0.98	0.99	0.93	1.06	1.18	0.84	0.78	0.97	0.14	0.66	0.73
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.73	2.67	3.04	3.07	4.28	4.6	3.63	3.25	3.67	5.61	4.4	5.02	7.28	6.32	6.44
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	22.93	26.07	34.59	40.31	39.19	43.09	41.06	38.14	38.38	30.49	33.4	42.21	2.65	27.44	28.09
Profit Margin (%)	22.69	21.55	26.17	29.34	28.84	31.21	28.05	30.57	30.87	25.09	28.43	33.99	5.98	20.91	22.12
Net Income to Common Margin (%)	22.69	21.55	26.17	29.34	28.84	31.21	28.05	30.57	30.87	25.09	28.43	33.99	5.98	20.91	22.12
Effective Tax Rate (%)	1.02	17.34	24.34	27.21	26.41	27.57	31.67	19.84	19.57	17.72	14.89	19.48	- -	23.82	21.24
Dvd Payout Ratio (%)	52.62	44.17	42.99	42.08	40.8	40.23	42.72	39.6	36.7	48.81	45.8	35.96	270.68	58.98	52.01
Sustainable Growth Rate (%)	4.18	5.72	5.81	5.82	5.92	5.85	5.1	5.74	6.24	3.68	4.04	5.85	-2.07	2.29	2.96

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	70	32	12	12	7	3	3	- -	- -	- -	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	70	32	12	12	7	3	3	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	105.73	38.49	14.77	15.66	6.19	2.68	3.17	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	85.3	15.47	-18.19	-3.56	-42.3	-63.3	-59.81	-40.68	-57.48	-50.43	-63.38	-11.75	-23.5	-29.05	-59.87
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.26	8.93	9.57	9.66	9.9	10.31	10.59	11.69	12.3	11.04	9.95	11.39	11.63	11.85	11.71
Long-Term Debt/Equity (%)	107.49	45.93	18.95	16.12	9.03	3.91	3.7	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	52.32	32.19	14.52	13.81	8.19	3.62	3.44	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	9.06	4.24	1.63	1.55	0.88	0.39	0.38	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	107.49	45.93	18.95	16.12	9.03	3.91	3.7	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	52.32	32.19	14.52	13.81	8.19	3.62	3.44	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	9.06	4.24	1.63	1.55	0.88	0.39	0.38	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt to Equity	86.71	18.46	-23.32	-3.67	-61.69	-92.44	-69.93	-42.85	-67.63	-78.02	-76.01	-26.39	-52.23	-71.72	-137.43
Net Debt/Capital (%)	46.95	16.03	-26.44	-3.78	-156.24	-775.86	-205.54	-66.34	-188.16	-388.29	-252.9	-18.19	-54.38	-94.15	1,749.79
EBITDA	1	1	1	1	1	1	1	1	1	2	1	2	2	2	2
EBITDA-CapEx	-1	-1	- -	- -	- -	- -	-1	1	-1	-7	-19	-6	1	- -	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.26	8.93	9.57	9.66	9.9	10.31	10.59	11.69	12.3	11.04	9.95	11.39	11.63	11.85	11.71
Long-Term Debt/Equity (%)	107.49	45.93	18.95	16.12	9.03	3.91	3.7	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	52.32	32.19	14.52	13.81	8.19	3.62	3.44	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	9.06	4.24	1.63	1.55	0.88	0.39	0.38	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	107.49	45.93	18.95	16.12	9.03	3.91	3.7	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	52.32	32.19	14.52	13.81	8.19	3.62	3.44	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	9.06	4.24	1.63	1.55	0.88	0.39	0.38	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Total Liabilities	1.98	2.18	2	1.48	1.47	1.4	1.23	1.67	1.49	1.15	1.23	1.15	1.32	1.2	1.33
CFO/CapEx	8.98	9.72	29.71	14.15	7.07	8.7	5.81	50.59	6	1.16	0.61	1.56	28.47	5.17	8.32
Altman's Z-Score	0.2	0.23	0.25	0.24	0.26	0.27	0.29	0.29	0.37	0.29	0.23	0.24	0.24	0.25	0.26

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	67	76	91	86	108	114	142	115	190	149	115	81	74	82	94
- Cash & Cash Equivalents	14	19	27	15	57	79	64	38	66	84	79	18	40	56	127
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	70	32	12	12	7	3	3	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-175	-171	-195	-184	-183	-205	-177	-163	-113	-271	-386	-343	-236	26	-32
Total Capital	134	100	84	88	88	89	94	96	102	106	110	117	113	116	119
Total Debt/Capital (%)	52.32	32.19	14.52	13.81	8.19	3.62	3.44	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt / EV	-0.4	-0.19	-0.06	-0.07	-0.04	-0.02	-0.02	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.85	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.4	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.4	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.01	- -
Diluted Market Cap	67	76	91	86	108	114	142	115	190	149	115	81	74	82	94
Diluted Enterprise Value	124	89	76	83	59	38	81	77	123	65	36	63	34	26	-32
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.41	- -
TTM Sales	24	31	27	25	27	26	28	29	32	30	28	30	23	31	33
TTM EBITDA	1	1	1	1	1	1	1	1	1	2	1	2	2	2	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	14	15	14	11	11	10	9	12	11	10	12	11	12	11	12
TTM Free Cash Flow to Firm	16	17	14	11	12	12	11	12	13	18	32	18	12	13	14

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	4.31	4.57	6.42	7.64	8.71	9.76	12.86	9.32	14.99	8.22	3.52	4.48	6.04	6.36	6.81
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-175	-171	-195	-184	-183	-205	-177	-163	-113	-271	-386	-343	-236	26	-32
Low Price	18.29	18.04	20.61	22.1	23.05	24.06	30.7	27.94	30.61	22.51	31.25	21.77	18.8	16.48	19
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.85	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.4	- -
Price/Earnings	12.18	11.23	12.8	11.56	13.73	14	18.06	13.06	19.49	19.95	14.24	7.8	53.36	12.83	12.98
Price/Earnings Average	12.89	11.81	11.71	11.88	11.98	12.59	16.09	17.08	14.17	22	16.01	9.61	55.29	10.96	11.4
Price/Earnings High	13.59	14.54	13.3	13.64	15.3	14.08	19.39	22.26	20.03	31.36	22.26	12.59	61.69	13.87	13.97
Price/Earnings Low	12.03	9.72	10.55	10.81	10.69	10.76	14.26	11.52	11.25	10.77	13.78	7.39	47.14	9	9.15
Price/Book Value	1.05	1.12	1.27	1.13	1.33	1.33	1.57	1.21	1.86	1.41	1.04	0.69	0.66	0.71	0.79
Price/Book Value Average	1.11	1.18	1.16	1.16	1.16	1.2	1.4	1.58	1.35	1.55	1.17	0.85	0.68	0.61	0.69
Price/Book Value High	1.17	1.45	1.32	1.33	1.49	1.34	1.68	2.06	1.92	2.21	1.63	1.12	0.76	0.77	0.85
Price/Book Value Low	1.04	0.97	1.04	1.06	1.04	1.02	1.24	1.06	1.08	0.76	1.01	0.66	0.58	0.5	0.56
Price/Tangible Book Value	1.05	1.11	1.47	1.17	1.39	1.42	1.63	1.3	1.93	1.38	1.1	1.19	0.97	1.05	1.02
Price/Tangible Book Value Average	1.11	1.16	1.34	1.21	1.21	1.28	1.45	1.69	1.4	1.52	1.24	1.46	1.01	0.9	0.9
Price/Tangible Book Value High	1.17	1.43	1.52	1.38	1.55	1.43	1.75	2.21	1.98	2.17	1.73	1.91	1.12	1.13	1.1
Price/Tangible Book Value Low	1.04	0.96	1.21	1.1	1.08	1.09	1.29	1.14	1.11	0.75	1.07	1.12	0.86	0.74	0.72
Price/Sales	2.76	2.42	3.35	3.39	3.96	4.37	5.07	3.99	6.01	5	4.05	2.65	3.19	2.68	2.87
Price/Sales Average	2.92	2.55	3.06	3.48	3.45	3.93	4.51	5.22	4.37	5.52	4.55	3.27	3.3	2.29	2.52
Price/Sales High	3.08	3.13	3.48	4	4.41	4.39	5.44	6.8	6.18	7.87	6.33	4.28	3.69	2.9	3.09
Price/Sales Low	2.73	2.09	2.76	3.17	3.08	3.36	4	3.52	3.47	2.7	3.92	2.51	2.82	1.88	2.02
Price/Cash Flow	4.79	5.04	6.64	8.18	9.94	10.88	15.08	9.5	17.49	15.28	9.29	7.35	6.25	7.59	7.63
Price/Cash Flow Average	5.07	5.3	6.07	8.4	8.67	9.78	13.42	12.42	12.72	16.86	10.44	9.05	6.48	6.49	6.7
Price/Cash Flow High	5.34	6.53	6.9	9.65	11.08	10.94	16.18	16.19	17.99	24.03	14.53	11.87	7.23	8.21	8.21
Price/Cash Flow Low	4.73	4.36	5.47	7.65	7.74	8.36	11.9	8.39	10.1	8.25	8.99	6.96	5.53	5.33	5.38
Price/Free Cash Flow Average	4.56	4.81	5.87	7.85	7.6	8.77	11.45	12.18	10.9	9.07	3.96	5.51	6.26	5.44	5.98
Price/Free Cash Flow High	4.81	5.92	6.67	9.01	9.71	9.82	13.81	15.88	15.42	12.93	5.51	7.23	6.98	6.88	7.33
Price/Free Cash Flow Low	4.26	3.96	5.29	7.14	6.78	7.5	10.15	8.22	8.66	4.44	3.41	4.24	5.34	4.46	4.8
EV/Sales Average	5.25	2.96	2.51	3.38	1.64	1.02	2.34	3.9	2.27	2.69	1.76	2.68	1.59	0.46	- -
EV/Sales High	5.41	3.55	2.93	3.89	2.6	1.49	3.27	5.48	4.08	5.04	3.54	3.69	1.97	1.06	- -
EV/Sales Low	5.05	2.51	2.21	3.06	1.27	0.45	1.83	2.2	1.37	- -	1.13	1.92	1.11	0.05	- -
EV/EBITDA Average	192.61	110.92	82.59	109.85	38.41	22.18	64.4	120.14	61.79	48.01	40.07	53.31	21.87	7.22	-20.73
EV/EBITDA High	198.47	132.98	96.26	126.71	60.82	32.34	89.91	168.93	111.2	89.88	80.49	73.52	27.11	16.86	-11.9
EV/EBITDA Low	185.49	93.99	72.6	99.66	29.73	9.75	50.28	67.86	37.28	-2.25	25.68	38.27	15.18	0.74	-28.45
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	18.52	20.85	25	23.64	29.62	31.31	38.9	31.66	53	41.69	32.3	23	21.28	23.49	26.95
High Price	20.66	27	25.98	27.89	33	31.5	41.75	53.96	54.49	65.55	50.48	37.11	24.6	25.4	29
Enterprise Value Average	128	93	68	86	45	27	65	113	71	80	50	81	37	14	-44
Enterprise Value High	132	111	80	99	71	39	91	158	129	150	100	112	46	33	-25
Enterprise Value Low	123	79	60	78	35	12	51	64	43	-4	32	58	26	1	-60

Shares Outstanding	4	4	4	4	4	4	4	4	4	4	4	4	3	3	3
Diluted Weighted Avg Shares	4	4	4	4	4	4	4	4	4	4	4	4	3	3	3
Basic Weighted Avg Shares	4	4	4	4	4	4	4	4	4	4	4	4	3	3	3
Revenue per Share	6.7	8.61	7.47	6.97	7.48	7.17	7.68	7.93	8.81	8.33	7.98	8.67	6.67	8.76	9.38
EBITDA per Share	0.18	0.23	0.23	0.21	0.32	0.33	0.28	0.26	0.32	0.47	0.35	0.44	0.49	0.55	0.6
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.52	1.86	1.95	2.04	2.16	2.24	2.15	2.42	2.72	2.09	2.27	2.95	0.4	1.83	2.08
Basic EPS from Cont Ops	1.52	1.86	1.95	2.04	2.16	2.24	2.15	2.42	2.72	2.09	2.27	2.95	0.4	1.83	2.08
Diluted EPS, GAAP	1.52	1.86	1.95	2.04	2.16	2.24	2.15	2.42	2.72	2.09	2.27	2.95	0.4	1.83	2.08
Diluted EPS from Cont Ops	1.52	1.86	1.95	2.04	2.16	2.24	2.15	2.42	2.72	2.09	2.27	2.95	0.4	1.83	2.08
Dividend per Share	0.8	0.82	0.84	0.86	0.88	0.9	0.92	0.96	1	1.02	1.04	1.06	1.08	1.08	1.08
Cash Flow per Share	3.87	4.13	3.77	2.89	2.98	2.88	2.58	3.33	3.03	2.73	3.48	3.13	3.4	3.09	3.53
Free Cash Flow per Basic Share	3.44	3.71	3.64	2.69	2.56	2.55	2.14	3.27	2.52	0.39	-2.22	1.12	3.28	2.5	3.11
Cash & Equivalents per Share	85.97	76.52	81.93	77.57	81.85	88.58	88.29	76.28	84.43	117.55	141.24	120.56	88.87	16.08	36.2
Book Value per Share	17.59	18.63	19.74	20.92	22.2	23.54	24.79	26.26	28.44	29.63	31.03	33.22	32.43	33.14	34.13
Tangible Book Value per Share	17.62	18.84	17.06	20.15	21.31	22.02	23.85	24.44	27.45	30.2	29.26	19.38	21.87	22.41	26.34

Auburn National Bancorporation, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)