Question 1

What is Auburn National Bancorporation's P/FCF ratio?

Accepted Answer

Auburn National Bancorporation (AUBN) P/FCF ratio is 8.6× as of July 22, 2026. The ratio is calculated by dividing market capitalisation by trailing twelve-month free cash flow, using USD-normalised financials (IAS 21 exchange-rate translation for non-USD reporters).

Question 2

How is the P/FCF ratio calculated?

Accepted Answer

P/FCF = Market Capitalisation ÷ Trailing Twelve-Month (TTM) Free Cash Flow, where Free Cash Flow = Operating Cash Flow − Capital Expenditures. All inputs are sourced from audited GAAP/IFRS filings and translated to USD using period-end exchange rates so the multiple is comparable across companies and currencies.

Question 3

What is the P/FCF ratio?

Accepted Answer

The price-to-free-cash-flow (P/FCF) ratio compares a company's market capitalisation to its trailing twelve-month (TTM) free cash flow. It is calculated as market cap ÷ TTM free cash flow, where free cash flow = operating cash flow − capital expenditures. Because FCF cannot be inflated by non-cash accounting items, P/FCF is often considered a cleaner measure of "earnings-power valuation" than P/E — especially for capital-intensive businesses where depreciation diverges from real cash outflows.

Question 4

What is a good P/FCF ratio for Auburn National Bancorporation?

Accepted Answer

Mature companies that consistently convert profit into cash often trade at 15–25× P/FCF; capital-intensive businesses with lumpy capex typically trade lower. Compare against sector peers and against the company's own multi-year average — single-year P/FCF can be distorted by working-capital swings. For Auburn National Bancorporation specifically, the relevant sector benchmark is the current sector median of 12.0×.

Question 5

Is Auburn National Bancorporation's P/FCF ratio high or low?

Accepted Answer

Auburn National Bancorporation's P/FCF ratio of 8.6× is below its own 5-year average of 9.3× and below the sector median of 12.0×. That places the current reading at the 60th percentile of its 10-year history. A higher multiple usually reflects stronger expected growth, lower perceived risk, or higher returns on capital; a lower multiple reflects the opposite.

Question 6

What is Auburn National Bancorporation's historical P/FCF ratio range?

Accepted Answer

In the available daily series, Auburn National Bancorporation (AUBN) P/FCF ratio has ranged from a low of 4.6× in 2003 to a high of 153.0× in 2007. The 5-year average is 9.3× and the 5-year median is 8.5×.

Question 7

What was Auburn National Bancorporation's P/FCF ratio in 2025?

Accepted Answer

Auburn National Bancorporation (AUBN) P/FCF ratio at the end of 2025 was 8.7×. Annual values reflect the multiple on the last trading day of each calendar year, using the trailing twelve-month free cash flow figure available at that date.

Question 8

Why does Auburn National Bancorporation's P/FCF ratio change over time?

Accepted Answer

Valuation multiples move with two inputs: the numerator (market capitalisation, which tracks the share price) and the denominator (free cash flow). Share-price changes — driven by interest rates, earnings expectations, risk appetite, and broader market sentiment — typically dominate short-term moves, while changes in the underlying fundamental drive the longer-term trend. As a result, the ratio can rise during stock-price rallies even if the business itself has not become more valuable, and fall during sell-offs even when fundamentals are improving.


2025	$94.2M	$10.9M	8.7×	-0.7×	Dec 31, 2025
2024	$82.1M	$8.73M	9.4×	+2.9×	Dec 31, 2024
2023	$74.4M	$11.5M	6.5×	-14.0×	Dec 31, 2023
2022	$80.6M	$3.93M	20.5×	—	Dec 31, 2022
2021	$114M	-$7.86M	—	—	Dec 31, 2021
2020	$149M	$1.38M	107.9×	+87.0×	Dec 31, 2020
2019	$189M	$9.04M	20.9×	+11.2×	Dec 31, 2019
2018	$115M	$11.9M	9.7×	-8.5×	Dec 31, 2018
2017	$142M	$7.78M	18.2×	+5.9×	Dec 31, 2017
2016	$114M	$9.28M	12.3×	+0.7×	Dec 31, 2016
2015	$108M	$9.32M	11.6×	+2.8×	Dec 31, 2015
2014	$86.1M	$9.79M	8.8×	+1.9×	Dec 31, 2014
2013	$91.1M	$13.3M	6.9×	+1.2×	Dec 31, 2013
2012	$76M	$13.5M	5.6×	+0.2×	Dec 31, 2012
2011	$67.5M	$12.5M	5.4×	-0.8×	Dec 31, 2011
2010	$73.1M	$11.7M	6.2×	-14.3×	Dec 31, 2010
2009	$71.7M	$3.5M	20.5×	+1.3×	Dec 31, 2009
2008	$73.3M	$3.81M	19.3×	+5.1×	Dec 31, 2008
2007	$80.8M	$5.71M	14.2×	—	Dec 31, 2007
2006	$109M	-$3.03M	—	—	Dec 31, 2006
2005	$84.8M	-$17.7M	—	—	Dec 31, 2005
2004	$79.5M	$12.3M	6.5×	-3.4×	Dec 31, 2004
2003	$76.5M	$7.76M	9.9×	+4.8×	Dec 31, 2003
2002	$52.2M	$10.4M	5.0×	—	Dec 31, 2002


Globe Life (GL-PD)	8.9×
UMB Financial (UMBF)	8.8×
Federal Agricultural Mortgage (AGM)	8.6×
T. Rowe Price (TROW)	8.6×
First Financial (THFF)	8.3×
Old Republic International (ORI)	8.0×
1st Source (SRCE)	8.0×
Eagle Financial Services (EFSI)	7.5×
PayPal (PYPL)	7.5×
Assurant (AIZ)	7.5×
Cincinnati Financial (CINF)	7.1×
Alerus Financial (ALRS)	7.0×
American Financial Group (AFG)	6.8×
Hartford Insurance Group (HIG)	6.5×
Travelers Companies (TRV)	6.3×
Invesco (IVZ)	6.1×
Arch Capital Group (ACGL)	5.9×
Principal Financial Group (PFG)	5.5×
Allstate (ALL)	4.7×
Everest Group (EG)	4.6×
Capital One Financial (COF)	3.9×
Prudential Financial (PRU)	3.5×
Mercury General (MCY)	3.4×
MetLife (MET)	2.8×
StoneX Group (SNEX)	0.8×

P/FCF Ratio for Auburn National Bancorporation (AUBN) 2002-2026

P/FCF Ratio daily chart for Auburn National Bancorporation (AUBN)

Historical P/FCF Ratio for Auburn National Bancorporation (AUBN) from 2002 to 2025

About P/FCF Ratio at Auburn National Bancorporation (AUBN)

Auburn National Bancorporation P/FCF Ratio by Year

Auburn National Bancorporation P/FCF Ratio 2025: 8.7×

Auburn National Bancorporation P/FCF Ratio 2024: 9.4×

Auburn National Bancorporation P/FCF Ratio 2023: 6.5×

Auburn National Bancorporation P/FCF Ratio 2022: 20.5×

Auburn National Bancorporation P/FCF Ratio 2020: 107.9×

Sector peers by P/FCF Ratio — chart

Sector peers by P/FCF Ratio — table

Frequently asked questions

Auburn National Bancorporation (AUBN) Key Financials