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)
CCNEthis companyCNB Financial Corporation	$36.26	10.43×	0.74×	1.59×	4.62×	6.1%	60.7%	20.4%	16.3%	7.6%	4.8%	9.1%	0.36×	-2.3×	0.55×	0.13×	3.5%	6	-0.59	4	A-
ACNBACNB Corporation	$66.67	13.39×	1.18×	2.91×	15.12×	25.7%	73.7%	27.3%	21.7%	8.8%	1.1%	10.6%	0.78×	5.8×	1.16×	0.32×	2.9%	8	0.36	3	B+
CFFIC&F Financial Corporation	$107.70	8.76×	0.9×	1.26×	7.35×	6.3%	69.5%	17.8%	14.4%	10.3%	6.4%	9.4%	0.43×	0.93×	0.73×	0.18×	2.5%	7	-0.43	4	A-
CZFSCitizens Financial Services, Inc.	$86.18	7.48×	0.81×	1.58×	11.55×	62.2%	63.3%	26.0%	21.1%	10.8%	5.3%	12.9%	0.92×	5.75×	0.74×	0.04×	3.5%	5	-0.42	3	B+
CZNCCitizens & Northern Corporation	$28.44	13.82×	0.94×	2.09×	15.12×	-54.5%	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
FISIFinancial Institutions, Inc.	$40.22	8.54×	1×	1.66×	8.59×	-32.3%	61.7%	24.2%	19.8%	11.9%	7.2%	2.1%	0.53×	2.27×	0.69×	0.03×	4.2%	9	0.46	2	B-
Peer median	—	8.76×	0.94×	1.66×	11.55×	6.3%	65.3%	24.2%	19.8%	10.3%	5.3%	9.4%	0.56×	4.74×	0.73×	0.18×	3.5%	7	-0.42	3	—