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)
COSOthis companyCoastalSouth Bancshares, Inc.	$28.48	10.38×	1.03×	1.97×	7.66×	30.0%	58.0%	22.9%	18.3%	9.6%	-5.6%	22.9%	0.12×	-0.34×	0.58×	0.15×	0.0%	5	0.44	4	A-
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
CZFSCitizens Financial Services, Inc.	$86.76	7.48×	0.81×	1.58×	11.55×	61.4%	63.3%	26.0%	21.1%	10.8%	5.3%	12.9%	0.92×	5.75×	0.74×	0.04×	3.5%	4	0.47	3	B+
FDBCFidelity D & D Bancorp, Inc.	$69.00	8.92×	1.05×	1.79×	3.12×	-10.4%	65.5%	23.6%	20.1%	11.8%	10.0%	9.9%	0.07×	-3.4×	0.7×	0.14×	3.7%	8	-0.63	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+
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	—	8.92×	1.03×	1.7×	11.55×	-12.9%	65.5%	23.6%	19.4%	10.8%	5.3%	9.9%	0.66×	5.23×	0.66×	0.11×	3.5%	6	0.34	3	—