Estados financieros detallados de Auburn National Bancorporation, Inc. (AUBN): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Auburn National Bancorporation, Inc. registró ingresos de $32.8M en el último ejercicio fiscal, con un CAGR de 5 años del -0.5%. El beneficio neto alcanzó $7.3M, con un CAGR a 5 años del -0.5%.
Márgenes de los últimos 12 meses: margen bruto 91.8%, margen operativo 28.8%, margen neto 22.6%. El flujo de caja libre creció a un CAGR del 51.2% en 5 años.
Al precio actual de $26.25, AUBN cotiza a un P/E de 10.89 y un ROE del 7.88%. La capitalización bursátil es de $92M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $30.2M | $31.6M | $32.6M | $35.7M | $33.6M | $30.8M | $32.8M | $31.4M | $42.2M | $32.8M |
| Coste de Ventas | $3.6M | $3.3M | $3.7M | $3.9M | $5.0M | $1.9M | $3.4M | $8.2M | $11.6M | $631000 |
| Beneficio Bruto | $26.6M | $28.3M | $28.9M | $31.8M | $28.6M | $28.9M | $29.4M | $23.2M | $30.6M | $32.2M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $10.2M | $10.4M | $11.0M | $12.1M | $11.6M | $12.1M | $11.1M | $12.7M | $13.1M | $13.7M |
| Gastos Operativos | $15.3M | $16.8M | $17.9M | $19.7M | $19.6M | $19.4M | $16.6M | $22.6M | $22.2M | $23.0M |
| Beneficio Operativo | $11.3M | $11.5M | $11.0M | $12.1M | $9.1M | $9.4M | $12.8M | $618000 | $8.4M | $9.2M |
| EBITDA | $12.5M | $12.5M | $12.0M | $13.3M | $10.7M | $10.7M | $14.4M | $2.3M | $10.3M | $11.3M |
| Gastos por Intereses | $4.1M | $3.6M | $3.7M | $4.2M | $3.9M | $2.5M | $2.4M | $8.0M | $11.6M | $11.1M |
| Beneficio Antes de Impuestos | $11.3M | $11.5M | $11.0M | $12.1M | $9.1M | $9.4M | $12.8M | $618000 | $8.4M | $9.2M |
| Impuestos | $3.1M | $3.6M | $2.2M | $2.4M | $1.6M | $1.4M | $2.5M | -$777000 | $2.0M | $2.0M |
| Beneficio Neto | $8.2M | $7.8M | $8.8M | $9.7M | $7.5M | $8.0M | $10.3M | $1.4M | $6.4M | $7.3M |
| BPA | $2.24 | $2.15 | $2.42 | $2.72 | $2.09 | $2.27 | $2.95 | $0.40 | $1.83 | $2.08 |
| BPA Diluido | $2.24 | $2.15 | $2.42 | $2.72 | $2.09 | $2.27 | $2.95 | $0.40 | $1.83 | $2.08 |
| Acciones en Circulación (Diluidas) | $3.6M | $3.6M | $3.6M | $3.6M | $3.6M | $3.5M | $3.5M | $3.5M | $3.5M | $3.5M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $11.2M | $8.5M | $8.6M | $8.8M |
| Beneficio Bruto | $8.7M | $7.7M | $8.7M | $9.0M |
| Beneficio Operativo | $2.9M | $2.1M | $2.8M | $2.9M |
| EBITDA | $3.4M | $2.7M | $3.4M | $2.9M |
| Beneficio Neto | $2.2M | $1.7M | $2.2M | $2.3M |
| BPA | $0.64 | $0.48 | $0.63 | $0.66 |
| BPA Diluido | $0.64 | $0.48 | $0.63 | $0.66 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $79.2M | $64.0M | $38.2M | $66.5M | $84.0M | $78.8M | $18.0M | $40.0M | $56.2M | $126.5M |
| Inversiones a Corto | $243.6M | $257.7M | $239.8M | $235.9M | $335.2M | $421.9M | $405.3M | $270.9M | $37.2M | 0 |
| Cuentas por Cobrar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $322.8M | $321.7M | $278.0M | $302.4M | $419.2M | $500.7M | $423.3M | $310.9M | $93.4M | $126.5M |
| Inmovilizado Material | $12.6M | $13.8M | $13.6M | $14.7M | $22.2M | $41.7M | $46.6M | $45.5M | $45.9M | $45.6M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Intangibles | $2.0M | 0 | 0 | 0 | 0 | 0 | 0 | $2.4M | 0 | 0 |
| Activos Totales | $831.9M | $853.4M | $818.1M | $827.9M | $956.6M | $1.11B | $1.02B | $975.3M | $977.3M | $1.02B |
| Cuentas por Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deuda a Corto | $3.4M | $2.7M | $2.3M | $1.1M | $2.4M | $3.4M | $2.6M | $1.5M | 0 | 0 |
| Pasivos Corrientes | $746.5M | $763.3M | $729.0M | $729.6M | $848.9M | $1.00B | $955.8M | $897.7M | $895.8M | $922.9M |
| Deuda a Largo | $3.2M | $3.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pasivos Totales | $749.8M | $766.5M | $729.0M | $729.6M | $848.9M | $1.00B | $955.8M | $898.7M | $899.0M | $926.7M |
| Reservas | $85.7M | $90.3M | $95.6M | $101.8M | $105.6M | $110.0M | $116.6M | $113.4M | $115.8M | $119.2M |
| Patrimonio Neto | $82.2M | $86.9M | $89.1M | $98.3M | $107.7M | $103.7M | $68.0M | $76.5M | $78.3M | $92.1M |
| Deuda Total | $6.6M | $5.9M | $2.3M | $1.1M | $2.4M | $3.4M | $2.6M | $1.5M | 0 | 0 |
| Deuda Neta | -$316.2M | -$315.8M | -$275.7M | -$301.3M | -$416.8M | -$497.3M | -$420.7M | -$309.4M | -$93.4M | -$126.5M |
| Capital Circulante | -$423.8M | -$441.6M | -$451.1M | -$427.2M | -$429.7M | -$500.7M | -$532.6M | -$586.9M | -$802.5M | -$796.4M |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $127.8M | $22.3M | $13.8M | $20.0M |
| Activos Totales | $1.01B | $1.02B | $1.03B | $1.09B |
| Pasivos Totales | $921.6M | $928.5M | $933.9M | $991.9M |
| Patrimonio Neto | $89.6M | $92.1M | $93.1M | $93.9M |
| Deuda Total | 0 | $6.7M | 0 | 0 |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $8.2M | $7.8M | $8.8M | $9.7M | $7.5M | $8.0M | $10.3M | $1.4M | $6.4M | $7.3M |
| Amortizaciones | $1.2M | $1.0M | $938000 | $1.2M | $1.7M | $1.2M | $1.5M | $1.7M | $1.9M | $2.1M |
| Compensación en Acciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $62000 |
| Cambio en Capital Circulante | $726000 | -$945000 | -$1.1M | $498000 | -$699000 | -$2.2M | -$3.5M | $282000 | $578000 | $1.3M |
| Flujo de Caja Operativo | $10.5M | $9.4M | $12.1M | $10.8M | $9.7M | $12.3M | $11.0M | $11.9M | $10.8M | $12.3M |
| Inversiones (CapEx) | -$1.2M | -$1.6M | -$240000 | -$1.8M | -$8.4M | -$20.2M | -$7.0M | -$418000 | -$2.1M | -$1.5M |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | 0 | 0 | 0 | -$2.7M | 0 | -$1.6M | -$504000 | -$229000 | 0 | 0 |
| Dividendos Pagados | -$3.3M | -$3.4M | -$3.5M | -$3.6M | -$3.6M | -$3.7M | -$3.7M | -$3.8M | -$3.8M | -$3.8M |
| Flujo de Caja Libre | $9.3M | $7.8M | $11.9M | $9.0M | $1.4M | -$7.9M | $3.9M | $11.5M | $8.7M | $10.9M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $4.1M | $3.5M | $2.5M | $1.5M |
| Inversiones (CapEx) | -$415000 | -$640000 | -$120000 | -$77000 |
| Flujo de Caja Libre | $3.7M | $2.9M | $2.4M | $1.4M |
| Dividendos Pagados | -$943000 | -$944000 | -$943000 | -$942000 |
| Compensación en Acciones | 0 | 0 | $24000 | 0 |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +4.5% | +3.2% | +9.7% | -6.1% | -8.3% | +6.6% | -4.3% | +34.4% | -22.3% |
| Crecimiento Beneficio Neto (anual) | | -3.7% | +12.6% | +10.3% | -23.5% | +7.8% | +28.7% | -86.5% | +358.6% | +13.4% |
| Crecimiento BPA (anual) | | -4.0% | +12.6% | +12.4% | -23.2% | +8.6% | +30.0% | -86.4% | +357.5% | +13.7% |
| Cambio en Acciones (anual) | | +0.0% | +0.0% | -1.7% | -0.4% | -0.6% | -1.0% | -0.4% | -0.1% | +0.0% |
| Crecimiento FCF (anual) | | -16.1% | +52.9% | -24.0% | -84.8% | -672.1% | +150.0% | +191.3% | -23.8% | +24.6% |
| Margen Bruto | 88.1% | 89.6% | 88.7% | 89.0% | 85.2% | 93.8% | 89.7% | 73.9% | 72.4% | 98.1% |
| Margen Operativo | 37.3% | 36.4% | 33.8% | 33.9% | 27.0% | 30.7% | 39.2% | 2.0% | 19.9% | 28.1% |
| Margen EBITDA | 41.2% | 39.6% | 36.7% | 37.1% | 31.9% | 34.7% | 43.8% | 7.4% | 24.5% | 34.5% |
| Margen Neto | 27.0% | 24.9% | 27.1% | 27.3% | 22.2% | 26.1% | 31.5% | 4.4% | 15.2% | 22.1% |
| Margen FCF | 30.7% | 24.7% | 36.5% | 25.3% | 4.1% | -25.5% | 12.0% | 36.5% | 20.7% | 33.1% |
| Tasa Impositiva Efectiva | 27.6% | 31.7% | 19.8% | 19.6% | 17.7% | 14.9% | 19.5% | -125.7% | 23.8% | 21.2% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $2.55 | $2.14 | $3.27 | $2.52 | $0.39 | $-2.22 | $1.12 | $3.27 | $2.50 | $3.11 |
| Dividendo por Acción | $0.90 | $0.92 | $0.96 | $1.00 | $1.02 | $1.04 | $1.06 | $1.08 | $1.08 | $1.08 |
| Acciones en Circulación (Básicas) | $3.6M | $3.6M | $3.6M | $3.6M | $3.6M | $3.5M | $3.5M | $3.5M | $3.5M | $3.5M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 7.88% |
| Rentabilidad sobre capital invertido | 7.57% |
| Rentabilidad sobre activos | 0.71% |
| Margen bruto | 91.80% |
| Margen operativo | 28.79% |
| Margen neto | 22.61% |
Salud financiera
| Deuda / Patrimonio | 0.00 |
| Ratio corriente | 0.00 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.65 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 13.98 | 18.09 | 13.08 | 19.49 | 19.95 | 14.23 | 7.80 | 53.20 | 12.84 | 12.96 |
| P/VC | 1.39 | 1.63 | 1.30 | 1.93 | 1.38 | 1.10 | 1.19 | 0.97 | 1.05 | 1.02 |
| P/V | 3.78 | 4.49 | 3.54 | 5.31 | 4.43 | 3.72 | 2.46 | 2.37 | 1.94 | 2.87 |
| Margen Bruto | 88.1% | 89.6% | 88.7% | 89.0% | 85.2% | 93.8% | 89.7% | 73.9% | 72.4% | 98.1% |
| Margen Operativo | 37.3% | 36.4% | 33.8% | 33.9% | 27.0% | 30.7% | 39.2% | 2.0% | 19.9% | 28.1% |
| Margen Neto | 27.0% | 24.9% | 27.1% | 27.3% | 22.2% | 26.1% | 31.5% | 4.4% | 15.2% | 22.1% |