Is AUBN or AX more undervalued in 2026?

CirclFi compares Auburn National Bancorporation, (AUBN) and Axos Financial, Inc. (AX) using 13 institutional-grade valuation models. AUBN has a Quality of Company score of 7.8/10 while AX scores 9.0/10.

Which is a better buy — AUBN or AX?

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 AUBN and AX valuations compare?

AUBN at $25.15 and AX at $87.27 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

AUBN vs AX Valuation Comparison 2026 — Intrinsic Value Analysis

AUBN

Banks - Regional

Auburn National Bancorporation,

Quality

7.8

out of 10

Value Trap

SAFE

Price

$25.15

Last close

Models

11/13

Active

AX

Banks - Regional

Axos Financial, Inc.

Quality

9.0

out of 10

Value Trap

SAFE

Price

$87.27

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	AUBN Fair Value	AUBN Upside	AX Fair Value	AX Upside
Bayesian DCF	Intrinsic	$67.23	+167.3%	$45.33	-48.1%
Earnings Power Value	Intrinsic	$87.55	+248.1%	$77.30	-11.4%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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AUBN vs AX — Which Stock Is More Undervalued?

AX scores higher with a 9.0/10 quality rating vs AUBN's 7.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Auburn National Bancorporation, (AUBN) and Axos Financial, Inc. (AX) 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.

AUBN currently trades at $25.15 with a QOC of 7.8/10, while AX trades at $87.27 with a QOC of 9.0/10.

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).