Citizens & Northern Corporation cash flow to debt ratio of 16.58% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Citizens & Northern Corporation's free cash flow has decreased 3.31% from $31.13M last year to $30.10M, signaling decreasing performance

Citizens & Northern Corporation's debt to equity ratio is 0.49, which means that the company's assets are healthy financed, signaling financial stability.

Citizens & Northern Corporation's debt has decreased relative to shareholder equity from 0.75 last year to 0.49 today, signaling strengthened financials

Citizens & Northern Corporation has a net cash position, so leverage is healthy.

Citizens & Northern Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

Citizens & Northern Corporation's profit margin has decreased (7.62%) in the last year from 16.70% to 15.42%, signaling decreasing performance

Citizens & Northern Corporation's short-term assets of $46.24M exceed its short-term liabilities of $41.66M

Citizens & Northern Corporation's return on assets of 0.80% is lower than the 5.00% threshold, indicating inefficient asset utilization

Citizens & Northern Corporation's return on equity of 7.70%, is lower than 15.00%, indicating bad performance

Citizens & Northern Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Citizens & Northern Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Citizens & Northern Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Citizens & Northern Corporation has a free cash flow yield of 6.63%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Citizens & Northern Corporation's yearly earnings has decreased 9.75% since last year from $25.96M to $23.43M, signaling decreasing performance

Citizens & Northern Corporation's yearly revenue has decreased 0.82% since last year from $155.47M to $154.19M, signaling decreasing performance

ROIC 0.35% (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.

Citizens & Northern Corporation's 3-year revenue CAGR of 10.12% is positive, indicating growing revenue over the past 3 years

Citizens & Northern Corporation had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Citizens & Northern Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Citizens & Northern Corporation is overvalued relative to its fair value price of 14.87 based on Discounted Cash Flow model

Citizens & Northern Corporation has an earnings yield of 5.67%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Citizens & Northern Corporation is overvalued relative to its fair value price of 2.99 based on EBITDA multiple model

Citizens & Northern Corporation has an EV/EBITDA ratio of 9.98x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Citizens & Northern Corporation is undervalued relative to its fair value price of 43.16 based on Earnings Fair Value model

Citizens & Northern Corporation has a PEG-ratio over 1 which is considered overvalued

Citizens & Northern Corporation has a price-to-book ratio of 1.29x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Citizens & Northern Corporation has a price-to-sales ratio of 2.72x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue