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Auburn Bancorp Inc (ABBB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Auburn Bancorp Inc stock $9.51, price $10.15, that is 6.3% below the price, quality 49 out of 100. Rating: fairly valued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

AB Auburn Bancorp Inc logo Some data Nov 8, 2026

Auburn Bancorp Inc

ABBB · US
Fairly valued, weak quality

The stock costs about what our calculation considers fair.

Fair value $9.51 · Fairly valued
Quality 49/100
Expensive Growth (revenue 5y +5.1 %/yr in USD)
Thin margins · 9.6% net margin (TTM)
Some data
Profit last quarter 55% below a year ago.
Trails peers (4/12)
Narrow moat 29/100
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$12.99 $8.00 Fair Value $9.51 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $8.00 – $12.99 · fair‑value band $7.13 – $11.88 · the $10.15 price screens above the $9.51 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Auburn Bancorp, Inc. operates as the holding company for Auburn Savings Bank, FSB that provides personal and business banking products and services primarily in Lewiston/Auburn, Maine.

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The company accepts checking, savings, and individual retirement accounts for personal and business; money market accounts; and certificates of deposit.

It offers loans, such as mortgages, home equity, auto loans, recreational vehicle loans, consumer, term loans, line of credit, residential and commercial construction loans, and residential and commercial real estate loans.

In addition, it offers debit cards, personal credit cards, and business debit and credit cards, and as well as ATM, and online and mobile banking services. Additionally, it provides merchant program business services. The company was founded in 1887 and is headquartered in Auburn, Maine.

Auburn Bancorp, Inc. operates as a subsidiary of Auburn Bancorp, MHC.

Stock analysis

Auburn Bancorp Inc (ABBB) currently trades at $10.15, while our model-based Fair Value estimate is $9.51, so the stock looks roughly fairly valued today (gap 6.7%).

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Valuation

Bull case: the Economic Profit group reads highest at a median of $10.40 per share, and 2 of the 4 models we run sit above the $10.15 price.

Bear case: the Asset-Based group reads lowest at $9.23, and 2 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $7.13 (bear) to $11.88 (bull), the price of $10.15 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Auburn Bancorp Inc reported revenue of $5.7M in FY2026 versus $4.0M in FY2022, a compound +9.4%/yr. Reported net income was $321K in FY2026, compounding +20.6%/yr from FY2022.

Key figures

Market cap $5.0M Micro · P/E ratio 13.4 · P/S ratio 1.48 · EPS (TTM) $0.7600 · Net margin 9.6% · Return on equity 4.7% · Return on assets (EBIT) 0.2% (5-year average) · Operating margin 3.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 29 out of 100 (medium confidence).

What moves the price

The share trades about 8% below its 52-week high and 14% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −6%, ABBB screens cheaper than that median.

Fair Value models

Bear $7.13 Fair Value $9.51 Bull $11.88
Price $10.15 · Downside -6.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then ($0.2748 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $10.51 $10.40 $10.81 71
P/E Multiple $6.22 $8.30 $10.37 63
P/B Multiple $8.03 $10.71 $13.39 55
All 4 models by family
Multiples
P/E Multiple $6.22 $8.30 $10.37 63
P/B Multiple $8.03 $10.71 $13.39 55
Asset-Based
NCAV (Graham) $6.89 $9.23 $13.78 54
Economic Profit
Residual Income $10.51 $10.40 $10.81 71

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Quality Score breakdown

Overall quality 49/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 17
How much profit the company makes from its sales and capital
Quality Growth 66
Are margins and returns getting better?
Cashflow 33
Do the profits arrive as real cash?
Financial strength 8
Debt, balance sheet and risk of trouble
Investment 92
Does it invest with discipline instead of growing at any price?
Low Volatility 79
How calm the share price moves, does not count
Price momentum 45
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 55
Distance to the 52-week high, does not count
New shares 89
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 37/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+4.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.1%
Start year 2021 (pandemic). Over 10 years: +5.6% a year
Revenue growth 19 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.9%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
−11.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−11.5%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.2.4% vs 0.4%, steady
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.12% → 7%
2026 sits 845% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Pace: the 5-year rate starts in 2021 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 4/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 49 · Below median
Fair Value upside −6.3% · Above median
Profitability
Return on equity (12 months) 4.7% · Bottom 25%
Return on assets 0.3% · Bottom 25%
Net margin (12 months) 9.6% · Bottom 25%
Operating margin (12 months) 3.9% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 12.4% · Above median
Balance sheet
Debt / equity 0.35× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 13.4× · Pricier than median
P/B 0.70× · Cheapest 25%
P/S (12 months) 1.48× · Cheapest 25%
EV/EBITDA 12.6× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)25 · sector 8
FUTURE (revenue growth)62 · sector 47
PAST (return on equity)19 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs ABBB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs ABBB
BNP Paribas SA BNP €91.93 €106.01 +15% vs ABBB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs ABBB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs ABBB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs ABBB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs ABBB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs ABBB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs ABBB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs ABBB

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Auburn Bancorp Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Auburn Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/ABBB

Frequently asked questions

Is Auburn Bancorp Inc (ABBB) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $9.51 versus a price of $10.15, about 6% lower (fairly valued).
What is the fair value of ABBB?
Our model-based fair value for Auburn Bancorp Inc is $9.51 (as of Nov 8, 2026), built from audited fundamentals. The current price: $10.15.
What is the quality score of ABBB?
Auburn Bancorp Inc has a Quality Score of 49/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Auburn Bancorp Inc (ABBB)?
Our model-based price target is the fair value of $9.51 (as of Nov 8, 2026) from 4 valuation models. Cautious scenario $7.13, optimistic scenario $11.88. It is a calculation from audited fundamentals, not an analyst target.
What is the Auburn Bancorp Inc stock forecast for 2026?
Our models put fair value at $9.51, about 6% lower versus a price of $10.15 (fairly valued). Cautious scenario $7.13, optimistic scenario $11.88. The calculation is refreshed regularly with new filings.
What is the revenue of Auburn Bancorp Inc (ABBB)?
Auburn Bancorp Inc reported trailing-twelve-month revenue of about $3.4M (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Auburn Bancorp Inc (ABBB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Auburn Bancorp Inc it is $9.51 per share (as of Nov 8, 2026), against a price of $10.15. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Auburn Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, ABBB trades above its calculated fair value: price $10.15, fair value $9.51, a gap of about −6% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ABBB?
No. The price is what the market pays today ($10.15); the fair value is what the company's own numbers justify ($9.51). For Auburn Bancorp Inc the two are $0.6400 per share apart. That gap is exactly why we show both numbers side by side.
How much is Auburn Bancorp Inc worth?
The market values Auburn Bancorp Inc at about $5.0M (market capitalisation, as of Nov 8, 2026). Per share that is $10.15; our models calculate a fair value of $9.51 per share.
What do the bullish and bearish scenarios say about ABBB?
Our models span a range for Auburn Bancorp Inc: cautious scenario $7.13, base $9.51, optimistic $11.88 per share (as of Nov 8, 2026, price $10.15). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ABBB?
Auburn Bancorp Inc trades at a price-to-earnings ratio of 13.4 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $9.51 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2017 to 2026), reported earnings: 22.4. Other multiples: P/B 0.7, P/S 1.5, EV/EBITDA 12.6.
How solid is the balance sheet of Auburn Bancorp Inc (ABBB)?
Balance-sheet figures for Auburn Bancorp Inc (as of Nov 8, 2026): return on equity 4.7%, debt of 0.35 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is ABBB from its 52-week high?
Auburn Bancorp Inc trades at $10.15, about 8% below its 52-week high of $11.00 and 14% above the low of $8.90 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $9.51 is for.
Which stocks are comparable to Auburn Bancorp Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Auburn Bancorp Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $10.15, calculated fair value $9.51 (−6%), Quality Score 49/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ABBB calculated?
We run Auburn Bancorp Inc through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $9.51 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Auburn Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Auburn Bancorp Inc (ABBB)?
The closing price on Nov 6, 2026 was $10.15. Our model-based fair value is $9.51, about 6% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Auburn Bancorp Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Auburn Bancorp Inc (ABBB) come from?
Earnings per share at Auburn Bancorp Inc grew −6.5 % a year from 2015 to 2026. Broken into its drivers: revenue per share +6.6 %, EBIT margin −15.4 %, tax rate +1.6 %, residual (interest, one-offs) +2.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Auburn Bancorp Inc

How large is the market capitalisation of Auburn Bancorp Inc (ABBB)?
The market capitalisation of Auburn Bancorp Inc is $5.0M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Auburn Bancorp Inc (ABBB)?
The price-to-sales ratio of Auburn Bancorp Inc is 1.48 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Auburn Bancorp Inc (ABBB)?
Earnings per share at Auburn Bancorp Inc are $0.7600 (price ÷ EPS = P/E 13.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Auburn Bancorp Inc (ABBB)?
The net margin of Auburn Bancorp Inc is 9.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Auburn Bancorp Inc (ABBB)?
The return on equity (ROE) of Auburn Bancorp Inc is 4.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Auburn Bancorp Inc (ABBB)?
On an EBIT basis the return on assets of Auburn Bancorp Inc is 0.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Auburn Bancorp Inc (ABBB)?
The operating margin of Auburn Bancorp Inc is 3.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Auburn Bancorp Inc (ABBB)?
Revenue at Auburn Bancorp Inc is growing +12.4% versus a year earlier (3y avg +9.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Auburn Bancorp Inc (ABBB)?
Earnings per share at Auburn Bancorp Inc are growing −54.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Auburn Bancorp Inc (ABBB) generate?
The free cash flow of Auburn Bancorp Inc is −$3.1M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Auburn Bancorp Inc (ABBB) carry?
The net debt of Auburn Bancorp Inc is $17.2M (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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