The 43% EPS beat and 12% annualized loan growth signal accelerating earnings momentum for this small-cap bank. Watch for continued margin expansion and credit quality trends in Q2 — if net charge-offs normalize, the stock could re-rate higher from its current 10.5x trailing earnings.
Price Chart
Executive Summary
Auburn National Bancorporation reported Q1 2026 EPS of $0.63, up 43% YoY from $0.44, and net earnings of $2.2M vs $1.5M a year ago. Net interest income rose 10% YoY to $7.8M (tax-equivalent) and net interest margin expanded 19 bps to 3.28%, while nonperforming assets fell to just 0.01% of total assets. The strong operating results and improving asset quality are positive for the stock, though net charge-offs increased to $402K from $64K YoY.
Key Financial Metrics
Key Facts
- Q1 2026 EPS $0.63 vs $0.44 YoY, up 43%
- Net earnings $2.2M vs $1.5M YoY
- Net interest income (tax-equivalent) $7.8M, up 10% YoY
- Net interest margin 3.28% vs 3.09% YoY, +19 bps
- Nonperforming assets 0.01% of total assets vs 0.05% YoY
- Annualized loan growth of 12% in Q1
- Net charge-offs $402K (0.28% of avg loans) vs $64K (0.05%) YoY
- Negative provision for credit losses of $(76)K
- Book value per share $26.62 vs $23.79 YoY, up 12%
- Dividend maintained at $0.27 per share
Financial Impact
EPS increased 43% YoY to $0.63; net interest income up 10% to $7.8M; net interest margin expanded 19 bps to 3.28%
Risk Factors
- Net charge-offs increased sharply to $402K from $64K YoY, though driven by one fully charged-off loan
- Small market cap ($82M) limits liquidity and institutional interest
- Noninterest expense rose to $5.9M from $5.6M QoQ
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3282570 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 27, 2026 today | Press Release | $26.68 | awaiting T+60 | — | $26.27 (−1.55%) |
Jun 5, 2026 20w ago | 8-K | $25.05 $26.50 | ▲ +5.79% | ▲ +2.74% | $26.27 (+4.86%) |
May 13, 2026 23w ago | 8-K | $23.73 $26.35 | ▲ +11.04% | ▲ +6.60% | $26.27 (+10.69%) |
May 12, 2026 23w ago | Press Release | $23.73 $26.35 | ▲ +11.04% | ▲ +6.60% | $26.27 (+10.69%) |
Apr 30, 2026 25w ago | Insider Cluster | $23.97 $26.30 | ▲ +9.72% | ▲ +6.61% | $26.27 (+9.58%) |
Apr 30, 2026 25w ago | Insider Cluster | $23.97 $26.30 | ▲ +9.72% | ▲ +6.61% | $26.27 (+9.58%) |
Apr 28, 2026 26w ago | 8-K | $23.51 $26.04 | ▲ +10.76% | ▲ +6.77% | $26.27 (+11.73%) |
Apr 28, 2026 26w ago | Press Release | $23.51 $26.04 | ▲ +10.76% | ▲ +6.77% | $26.27 (+11.73%) |
Apr 14, 2026 28w ago | Insider Cluster | $23.75 $27.01 | ▲ +13.73% | ▲ +5.20% | $26.27 (+10.60%) |
Apr 2, 2026 29w ago | DEFA14A | $23.19 $27.04 | ▲ +16.60% | ▲ +2.44% | $26.27 (+13.27%) |
US Market Status
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