AUBN

Auburn National Bancorporation, Inc.

There isn't enough reported data to score AUBN yet.

GS

The Goldman Sachs Group, Inc.

64
Fundamentals69/ 100
Valuation50/ 100
Upside potential57/ 100
Risk potential14/ 100

GS's fundamentals are strong: revenue grew 19% and its operating margin rose 4 points to 40%. Its PE isn't a useful guide right now because of how its recent earnings were reported.

AUBN Fundamentals

MetricStatus
Stable
Strong
N/A
N/A

AUBN's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like AUBN.

GS Fundamentals

MetricStatus
Strong
Strong
N/A
N/A

GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.

AUBN PE Valuation

CHEAPFAIREXPENSIVE33x67x100x134x
CHEAPFAIREXPENSIVE33x67x100x134x
LevelPEPriceVs current
Cheap10x$25.91-0.1%
Current10x$25.93—
Fair14x$34.22+32%
Expensive21x$53.36+106%

Historical ranges are pointers, not guarantees.

AUBN has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.

GS PE Valuation

CHEAPFAIREXPENSIVE5.2x10x16x21x
CHEAPFAIREXPENSIVE5.2x10x16x21x
LevelPEPriceVs current
Cheap7.6x$528-42%
Current13x$914—
Forward13x$914—
Fair14x$940+2.9%
Expensive17x$1,214+33%

Historical ranges are pointers, not guarantees.

GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.

AUBN Forward outlook

There aren't enough analyst estimates for AUBN to show an outlook.

GS Forward outlook

MetricOutlook
Stable
Strong growth
Growth
Strongly improving
Limited
Low

Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.

AUBN Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

Calculated from the latest close: $25.93 on Nov 12.

There is not enough scenario data to compare AUBN and GS's risk to reward.

GS Risk to reward

ScenarioChangePrice
Upside+19%$1,085.26
Downside-14%$781.84

Calculated from the latest close: $913.60 on Nov 12.

There is not enough scenario data to compare AUBN and GS's risk to reward.

AUBN Earnings Per Share

Q4 2023: $0.40Q1 2024: $0.23Q2 2024: $0.18Q3 2024: $0.25Q4 2024: $1.84Q1 2025: $1.89Q2 2025: $1.91Q3 2025: $2.05Q4 2025: $2.08Q1 2026: $2.27Q2 2026: $2.41Q3 2026: $2.49
Q4 2023: $0.40Q1 2024: $0.23Q2 2024: $0.18Q3 2024: $0.25Q4 2024: $1.84Q1 2025: $1.89Q2 2025: $1.91Q3 2025: $2.05Q4 2025: $2.08Q1 2026: $2.27Q2 2026: $2.41Q3 2026: $2.49
QuarterTTM EPSYoY
Q3 2026$2.49+21%
Q2 2026$2.41+26%
Q1 2026$2.27+20%
Q4 2025$2.08+13%
Q3 2025$2.05+720%
Q2 2025$1.91+961%
Q1 2025$1.89+722%
Q4 2024$1.84+360%

AUBN has the edge over GS on earnings, with stronger typical year-over-year growth.

GS Earnings Per Share

Q4 2023: $22.87Q1 2024: $25.66Q2 2024: $31.20Q3 2024: $34.13Q4 2024: $40.54Q1 2025: $43.08Q2 2025: $45.37Q3 2025: $49.22Q4 2025: $51.32Q1 2026: $54.75Q2 2026: $64.82Q3 2026: $69.58Forward: $72.35
Q4 2023: $22.87Q1 2024: $25.66Q2 2024: $31.20Q3 2024: $34.13Q4 2024: $40.54Q1 2025: $43.08Q2 2025: $45.37Q3 2025: $49.22Q4 2025: $51.32Q1 2026: $54.75Q2 2026: $64.82Q3 2026: $69.58Forward: $72.35
QuarterTTM EPSYoY
Forward$72.35+4%
Q3 2026$69.58+41%
Q2 2026$64.82+43%
Q1 2026$54.75+27%
Q4 2025$51.32+27%
Q3 2025$49.22+44%
Q2 2025$45.37+45%
Q1 2025$43.08+68%
Q4 2024$40.54+77%

GS's earnings per share have climbed steadily: $69.58 over the past year, up 41% from the year before, and higher year over year for 10 quarters in a row. Its recent earnings include one-off gains.

AUBN Quarterly Revenue

Q4 2023: $630,000Q1 2024: $8MQ2 2024: $8MQ3 2024: $8MQ4 2024: $8MQ1 2025: $8MQ2 2025: $8MQ3 2025: $8MQ4 2025: $8MQ1 2026: $9MQ2 2026: $9MQ3 2026: $9M
Q4 2023: $630,000Q1 2024: $8MQ2 2024: $8MQ3 2024: $8MQ4 2024: $8MQ1 2025: $8MQ2 2025: $8MQ3 2025: $8MQ4 2025: $8MQ1 2026: $9MQ2 2026: $9MQ3 2026: $9M
QuarterRevenueYoY
Q3 2026$9M+7%
Q2 2026$8.8M+7.8%
Q1 2026$8.6M+11%
Q4 2025$8.5M+8.4%
Q3 2025$8.4M+10%
Q2 2025$8.1M+6.9%
Q1 2025$7.8M+3.3%
Q4 2024$7.8M+1140%

AUBN's revenue has grown year over year for nine quarters in a row: $9M last quarter, up 7% from the same quarter a year ago.

GS Quarterly Revenue

Q4 2023: $11.3BQ1 2024: $14.2BQ2 2024: $12.7BQ3 2024: $12.7BQ4 2024: $13.9BQ1 2025: $15.1BQ2 2025: $14.6BQ3 2025: $15.2BQ4 2025: $13.5BQ1 2026: $17.2BQ2 2026: $20.3BQ3 2026: $18.7B
Q4 2023: $11.3BQ1 2024: $14.2BQ2 2024: $12.7BQ3 2024: $12.7BQ4 2024: $13.9BQ1 2025: $15.1BQ2 2025: $14.6BQ3 2025: $15.2BQ4 2025: $13.5BQ1 2026: $17.2BQ2 2026: $20.3BQ3 2026: $18.7B
QuarterRevenueYoY
Q3 2026$18.7B+23%
Q2 2026$20.3B+39%
Q1 2026$17.2B+14%
Q4 2025$13.5B-3%
Q3 2025$15.2B+20%
Q2 2025$14.6B+15%
Q1 2025$15.1B+6%
Q4 2024$13.9B+23%

GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.

AUBN Free Cash Flow

Q4 2023: $1MQ1 2024: $3MQ2 2024: $3MQ3 2024: $2MQ4 2024: --Q1 2025: $3MQ2 2025: $2MQ3 2025: $4MQ4 2025: --Q1 2026: $3MQ2 2026: $2MQ3 2026: --
Q4 2023: $1MQ1 2024: $3MQ2 2024: $3MQ3 2024: $2MQ4 2024: --Q1 2025: $3MQ2 2025: $2MQ3 2025: $4MQ4 2025: --Q1 2026: $3MQ2 2026: $2MQ3 2026: --
QuarterFree cash flowYoY
Q2 2026$1.5M-29%
Q1 2026$2.5M-3.5%
Q3 2025$4.1M+117%
Q2 2025$2.1M-30%
Q1 2025$2.6M-15%
Q3 2024$1.9M-43%
Q2 2024$3M+23%
Q1 2024$3.1M-37%

AUBN has the stronger cash trend. Its trailing FCF is down 9.6% versus its history, compared with GS at down 278%.

GS Free Cash Flow

Q4 2023: −$28.9BQ1 2024: −$28.5BQ2 2024: $5.6BQ3 2024: −$38.5BQ4 2024: $46.2BQ1 2025: −$37.7BQ2 2025: $5.2BQ3 2025: $2.1BQ4 2025: −$16.8BQ1 2026: −$32.4BQ2 2026: $5.6BQ3 2026: $3.7B
Q4 2023: −$28.9BQ1 2024: −$28.5BQ2 2024: $5.6BQ3 2024: −$38.5BQ4 2024: $46.2BQ1 2025: −$37.7BQ2 2025: $5.2BQ3 2025: $2.1BQ4 2025: −$16.8BQ1 2026: −$32.4BQ2 2026: $5.6BQ3 2026: $3.7B
QuarterFree cash flowYoY
Q3 2026$3.7B+72%
Q2 2026$5.6B+7.8%
Q1 2026-$32.4B+$5.3B
Q4 2025-$16.8B-136%
Q3 2025$2.1B+$40.6B
Q2 2025$5.2B-6.8%
Q1 2025-$37.7B-$9.2B
Q4 2024$46.2B+$75.1B

GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.

AUBN Total Shares

Q4 2023: 3MQ1 2024: 3MQ2 2024: 3MQ3 2024: 3MQ4 2024: 3MQ1 2025: 3MQ2 2025: 3MQ3 2025: 3MQ4 2025: 3MQ1 2026: 3MQ2 2026: 3MQ3 2026: 3M
Q4 2023: 3MQ1 2024: 3MQ2 2024: 3MQ3 2024: 3MQ4 2024: 3MQ1 2025: 3MQ2 2025: 3MQ3 2025: 3MQ4 2025: 3MQ1 2026: 3MQ2 2026: 3MQ3 2026: 3M
PeriodChange %Net change
Quarterly-0.2%-6.9K shares
1 year-0.3%-10.8K shares
3 years-0.3%-11.2K shares
5 years-1.2%-42.4K shares
Available history-3%-108K shares

AUBN has 3M diluted shares, about the same as a year ago.

GS Total Shares

Q4 2023: 346MQ1 2024: 340MQ2 2024: 336MQ3 2024: 331MQ4 2024: 334MQ1 2025: 325MQ2 2025: 318MQ3 2025: 315MQ4 2025: 318MQ1 2026: 308MQ2 2026: 305MQ3 2026: 301M
Q4 2023: 346MQ1 2024: 340MQ2 2024: 336MQ3 2024: 331MQ4 2024: 334MQ1 2025: 325MQ2 2025: 318MQ3 2025: 315MQ4 2025: 318MQ1 2026: 308MQ2 2026: 305MQ3 2026: 301M
PeriodChange %Net change
Quarterly-1.2%-3.8M shares
1 year-4.4%-13.9M shares
3 years-12%-42.8M shares
5 years-15%-52.8M shares
Available history-20%-74.4M shares

GS has the edge over AUBN on shareholder dilution, with a more favorable share count trend.

AUBN Net Leverage

Q4 2023: -11.7xQ1 2024: -11.3xQ2 2024: -15.9xQ3 2024: -10.5xQ4 2024: -1.5xQ1 2025: -2.1xQ2 2025: -1.7xQ3 2025: -1.3xQ4 2025: -2.0xQ1 2026: -1.1xQ2 2026: -1.6xQ3 2026: -1.3x
Q4 2023: -11.7xQ1 2024: -11.3xQ2 2024: -15.9xQ3 2024: -10.5xQ4 2024: -1.5xQ1 2025: -2.1xQ2 2025: -1.7xQ3 2025: -1.3xQ4 2025: -2.0xQ1 2026: -1.1xQ2 2026: -1.6xQ3 2026: -1.3x
QuarterNet LeverageStatus
Q3 2026-1.3xNet Cash
Q2 2026-1.6xNet Cash
Q1 2026-1.1xNet Cash
Q4 2025-2.0xNet Cash
Q3 2025-1.3xNet Cash
Q2 2025-1.7xNet Cash
Q1 2025-2.1xNet Cash
Q4 2024-1.5xNet Cash

AUBN has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like AUBN.

GS Net Leverage

Q4 2023: -9.6xQ1 2024: -6.8xQ2 2024: -6.5xQ3 2024: -3.5xQ4 2024: -4.7xQ1 2025: -3.9xQ2 2025: -3.1xQ3 2025: -3.5xQ4 2025: -6.4xQ1 2026: -6.7xQ2 2026: -6.1xQ3 2026: -5.4x
Q4 2023: -9.6xQ1 2024: -6.8xQ2 2024: -6.5xQ3 2024: -3.5xQ4 2024: -4.7xQ1 2025: -3.9xQ2 2025: -3.1xQ3 2025: -3.5xQ4 2025: -6.4xQ1 2026: -6.7xQ2 2026: -6.1xQ3 2026: -5.4x
QuarterNet LeverageStatus
Q3 2026-5.4xNet Cash
Q2 2026-6.1xNet Cash
Q1 2026-6.7xNet Cash
Q4 2025-6.4xNet Cash
Q3 2025-3.5xNet Cash
Q2 2025-3.1xNet Cash
Q1 2025-3.9xNet Cash
Q4 2024-4.7xNet Cash

GS has the edge over AUBN on leverage, with a lower net debt burden relative to earnings.

AUBN Weekly Momentum

MetricValueStatus
RSI48.5Neutral
Stochastic53.4Neutral

AUBN's weekly RSI is 49 (neutral) and its Stochastic is 53 (neutral).

GS Weekly Momentum

MetricValueStatus
RSI44.5Neutral
Stochastic16.3Oversold

GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).

AUBN PE vs Financial Services Sector

MetricAUBNSector medianRelative
PE10x13x20% below
PE %176346 pts below

AUBN has the edge over GS on valuation relative to its sector.

GS PE vs Financial Services Sector

MetricGSSector medianRelative
PE13x13x0.8% above
PE %466317 pts below

GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.

AUBN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$26.41.9% below
20 week MA$26.62.5% below
50 week MA$25.51.6% above
100 week MA$24.55.9% above
200 week MA$22.714% above

AUBN has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 14% above its 200-week average.

GS Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$895.52% above
20 week MA$977.46.5% below
50 week MA$945.43.4% below
100 week MA$804.514% above
200 week MA$602.752% above

GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.

AUBN Yearly ROI

YearStart priceEnd priceROI
2020$53.8$42.6-21%
2021$42.6$32.1-24%
2022$32.1$23.3-27%
2023$23.3$21.3-8.7%
2024$21.3$23.9+12%
2025$23.9$27.0+13%
2026 YTD$27.0$25.9-3.8%

AUBN has finished lower in four of the last six years. It's down 3.8% so far in 2026.

GS Yearly ROI

YearStart priceEnd priceROI
2020$230.7$256.2+11%
2021$256.2$385.0+50%
2022$385.0$345.5-10%
2023$345.5$385.8+12%
2024$385.8$576.2+49%
2025$576.2$907.0+57%
2026 YTD$907.0$913.6+0.7%

GS has the edge over AUBN on returns for 2026, with the stronger performance.

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