Is AMTB or AUBN more undervalued in 2026?

CirclFi compares Amerant Bancorp Inc. (AMTB) and Auburn National Bancorporation, (AUBN) using 13 institutional-grade valuation models. AMTB has a Quality of Company score of 8.3/10 while AUBN scores 7.8/10.

Which is a better buy — AMTB or AUBN?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do AMTB and AUBN valuations compare?

AMTB at $22.43 and AUBN at $25.15 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

AMTB vs AUBN Valuation Comparison 2026 — Intrinsic Value Analysis

AMTB

Banks - Regional

Amerant Bancorp Inc.

Quality

8.3

out of 10

Value Trap

SAFE

Price

$22.43

Last close

Models

11/13

Active

AUBN

Banks - Regional

Auburn National Bancorporation,

Quality

7.8

out of 10

Value Trap

SAFE

Price

$25.15

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	AMTB Fair Value	AMTB Upside	AUBN Fair Value	AUBN Upside
Bayesian DCF	Intrinsic	$10.64	-52.6%	$67.23	+167.3%
Earnings Power Value	Intrinsic	$12.72	-43.3%	$87.55	+248.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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AMTB vs AUBN — Which Stock Is More Undervalued?

AMTB scores higher with a 8.3/10 quality rating vs AUBN's 7.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Amerant Bancorp Inc. (AMTB) and Auburn National Bancorporation, (AUBN) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

AMTB currently trades at $22.43 with a QOC of 8.3/10, while AUBN trades at $25.15 with a QOC of 7.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).