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Auburn National Bancorporation AUBN Servicing Assets And Servicing Liabilities At Fair Value Assumptions Used To Estimate Fair Value Discount Rate

Servicing Assets And Servicing Liabilities At Fair Value Assumptions Used To Estimate Fair Value Discount Rate at other companies

Auburn National Bancorporation logo
Auburn National BancorporationAUBN
3.7%+0.1pp
SPF
South Plains Financial, Inc.SPFI
$250K+116%
Auburn National Bancorporation logo
Auburn National BancorporationAUBN
9.5%-0.5pp
Auburn National Bancorporation logo
Auburn National BancorporationAUBN
3.7%+0.1pp
SPF
South Plains Financial, Inc.SPFI
$250K+116%
Onity Group logo
Onity GroupONIT
$69M+77.4%

Other financials

Income statement

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Revenue$8.6M+10.7%
Net income$2.2M+43.7%
EPS (diluted)$0.63+43.2%

Balance sheet

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Cash & equivalents$146.2M+23.2%
Total debt$231.0K+46,100%
Total equity$93.1M+12.0%
Total assets$1.0B+3.0%

Cash flow

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Operating cash flow$2.5M-3.5%
CapEx$120.0K-43.1%
Free cash flow$2.4M0.0%

Valuation

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Market cap$94.46M+11.6%
P/E11.9×-0.8×
P/S2.8×+0.1×

Profitability

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Net margin23.6%+2.3pp
FCF margin32.3%+2.8pp

Returns & leverage

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Return on equity9%+0.7pp
Debt / equity

Where this comes from

Reported directly by Auburn National Bancorporation in its filing.

Tagged under the XBRL concept us-gaap:ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate.

The official record: Auburn National Bancorporation’s 10-K, filed March 17, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Auburn National Bancorporation's servicing assets and servicing liabilities at fair value assumptions used to estimate fair value discount rate?
Auburn National Bancorporation (AUBN) reported servicing assets and servicing liabilities at fair value assumptions used to estimate fair value discount rate of 9.5% in Q4 2025.
How has Auburn National Bancorporation's servicing assets and servicing liabilities at fair value assumptions used to estimate fair value discount rate changed year-over-year?
Auburn National Bancorporation's servicing assets and servicing liabilities at fair value assumptions used to estimate fair value discount rate decreased by 5.0% year-over-year, from 10% to 9.5%.
What does servicing assets and servicing liabilities at fair value assumptions used to estimate fair value discount rate mean?
This is the discount rate applied to the projected future cash flows of mortgage servicing rights to determine their present fair value. It reflects the market's required rate of return and the perceived riskiness of the servicing cash flows. Changes in this rate directly impact the valuation of the servicing asset on the balance sheet.