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)
BCMLthis companyBayCom Corp	$31.36	13.49×	0.95×	2.26×	8.81×	-29.8%	68.4%	23.2%	16.9%	7.1%	9.9%	9.4%	0.07×	-0.12×	0.8×	55.06×	2.1%	8	-0.59	2	C+
CBANColony Bankcorp, Inc.	$20.54	11.21×	0.84×	1.7×	12.78×	-63.9%	66.4%	18.9%	15.2%	7.5%	4.2%	-2.2%	0.69×	5.39×	0.61×	0.08×	2.5%	4	0.34	3	B
CZNCCitizens & Northern Corporation	$28.26	13.82×	0.94×	2.09×	15.12×	-55.3%	65.3%	18.6%	15.2%	6.9%	0.7%	9.4%	0.56×	4.74×	0.6×	1.11×	5.1%	7	-0.48	3	B
FNLCThe First Bancorp, Inc.	$36.73	8.53×	1.03×	1.65×	10.17×	-53.9%	52.3%	23.6%	19.4%	12.1%	6.9%	11.8%	0.66×	3.53×	0.51×	0.11×	5.6%	6	-0.52	3	B+
FSBWFS Bancorp, Inc.	$43.89	9.49×	1.01×	1.42×	7.71×	37.8%	66.5%	20.6%	15.3%	10.8%	8.1%	16.8%	0.46×	2.25×	0.67×	0.12×	3.3%	6	-0.53	3	B
ISBAIsabella Bank Corporation	$40.45	19.53×	1.59×	3.29×	21.79×	-12.9%	70.6%	19.8%	16.9%	8.2%	4.5%	6.3%	0.62×	5.23×	0.66×	0.12×	2.2%	6	0.51	3	B+
Peer median	—	11.21×	1.01×	1.7×	12.78×	-53.9%	66.4%	19.8%	15.3%	8.2%	4.5%	9.4%	0.62×	4.74×	0.61×	0.12×	3.3%	6	-0.48	3	—