Company	Price	Valuation					Profitability					Cash & leverage					Quality				Rating
		P/E	P/B	P/S	EV / EBITDA	DCF upside	Gross margin	Operating margin	Net margin	ROE	ROIC	FCF yield	Debt / equity	Net debt / EBITDA	Interest coverage	Current ratio	Dividend yield	Piotroski (0-9)	Altman Z	Rating score (1-5)
AUBNthis companyAuburn National Bancorporation, Inc.	$25.76	12.96×	1.02×	2.87×	-2.86×	88.8%	98.1%	28.1%	22.1%	7.9%	7.6%	11.5%	0×	-11.17×	0.83×	0.14×	4.0%	6	0.3	2	C+
FUSBFirst US Bancshares, Inc.	$16.72	13.56×	0.77×	1.29×	1.93×	10.2%	58.7%	12.6%	9.5%	5.7%	4.8%	11.2%	0.1×	-6.47×	0.36×	0.09×	2.0%	8	0.47	3	B+
LSBKLake Shore Bancorp, Inc.	$18.93	15.27×	0.77×	2.76×	5×	-7.0%	70.9%	22.1%	18.4%	5.1%	1.0%	6.8%	0.01×	-6.83×	0.75×	200.88×	0.9%	8	—	2	C
MGYRMagyar Bancorp, Inc.	$21.80	9.43×	0×	1.86×	0×	2.3%	62.3%	27.8%	19.7%	0.0%	0.0%	0.0%	0×	0×	0.77×	0×	2.0%	6	-0.62	2	C
PBHCPathfinder Bancorp, Inc.	$16.68	-26.13×	0.73×	1.12×	-108.91×	544.7%	38.5%	-5.2%	-4.3%	-2.8%	-0.3%	11.3%	0.89×	-56.5×	-0.13×	26.41×	2.8%	5	0.99	2	C
PROVProvident Financial Holdings, Inc.	$18.25	16.54×	0.87×	1.84×	22.56×	-20.2%	68.1%	16.2%	11.2%	5.3%	0.6%	7.8%	1.24×	11.19×	0.49×	0.48×	3.3%	8	-0.47	3	B-
Peer median	—	13.56×	0.77×	1.84×	1.93×	2.3%	62.3%	16.2%	11.2%	5.1%	0.6%	7.8%	0.1×	-6.47×	0.49×	0.48×	2.0%	8	-0	2	—