Auburn National Bancorporation, Inc. carries no debt; cash flow comfortably covers obligations.

Auburn National Bancorporation, Inc.'s free cash flow has increased 24.59% from $8.72M last year to $10.86M, signaling increasing performance

Auburn National Bancorporation, Inc.'s debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

Auburn National Bancorporation, Inc. has insufficient data to evaluate this check.

Auburn National Bancorporation, Inc. has a net cash position, so leverage is healthy.

Auburn National Bancorporation, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Auburn National Bancorporation, Inc.'s profit margin has increased (49.17%) in the last year from 15.16% to 22.61%, signaling increasing performance

Auburn National Bancorporation, Inc.'s short-term liabilities of $922.93M exceed its short-term assets of $126.51M, signaling financial risk

Auburn National Bancorporation, Inc.'s return on assets of 0.77% is lower than the 5.00% threshold, indicating inefficient asset utilization

Auburn National Bancorporation, Inc.'s return on equity of 9.12%, is lower than 15.00%, indicating bad performance

Auburn National Bancorporation, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Auburn National Bancorporation, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Auburn National Bancorporation, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Auburn National Bancorporation, Inc. has a free cash flow yield of 11.89%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Auburn National Bancorporation, Inc.'s yearly earnings has increased 13.41% since last year from $6.40M to $7.25M, signaling increasing performance

Auburn National Bancorporation, Inc.'s yearly revenue has decreased 22.30% since last year from $42.21M to $32.79M, signaling decreasing performance

ROIC 0.77% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Auburn National Bancorporation, Inc.'s 3-year revenue CAGR of -0.02% is negative, indicating declining revenue over the past 3 years

Auburn National Bancorporation, Inc. had revenue growth in only 2 out of 5 years, indicating inconsistent revenue performance

Auburn National Bancorporation, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Auburn National Bancorporation, Inc. is undervalued relative to its fair value price of 59.64 based on Discounted Cash Flow model

Auburn National Bancorporation, Inc. has an earnings yield of 9.19%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Auburn National Bancorporation, Inc. is undervalued relative to its fair value price of 27.15 based on EBITDA multiple model

Auburn National Bancorporation, Inc. has insufficient data to compute enterprise value.

Auburn National Bancorporation, Inc. is overvalued relative to its fair value price of 18.04 based on Earnings Fair Value model

Auburn National Bancorporation, Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Auburn National Bancorporation, Inc. has a price-to-book ratio of 0.08x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Auburn National Bancorporation, Inc. has a price-to-sales ratio of 2.46x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue