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)
CPSSthis companyConsumer Portfolio Services, Inc.	$9.88	10.6×	0.66×	0.48×	14.25×	1110.0%	99.6%	60.8%	4.5%	6.2%	2831.3%	141.2%	11.33×	13.46×	1.12×	0.44×	0.0%	7	0.21	3	B-
ATLOAmes National Corporation	$34.14	10.73×	0.99×	2.09×	9.86×	330.1%	66.3%	23.6%	19.4%	9.2%	1.1%	10.1%	0.29×	1.6×	0.74×	4.95×	3.5%	8	-0.3	3	B+
EFSIEagle Financial Services, Inc.	$46.09	25.03×	1.13×	2.04×	25.16×	-16.5%	61.6%	9.5%	7.9%	4.3%	2.9%	12.4%	0.37×	5.2×	0.27×	0.09×	2.9%	7	-0.58	3	B+
MFINMedallion Financial Corp.	$9.91	5.44×	0.57×	0.66×	1.87×	1212.2%	96.7%	50.5%	12.2%	10.5%	4.3%	53.9%	0.77×	0.61×	1.81×	27.1×	4.7%	8	1.4	3	B-
MNSBMainStreet Bancshares, Inc.	$22.23	11.57×	0.71×	1.15×	8.29×	-46.3%	54.4%	14.0%	11.5%	7.1%	5.0%	6.8%	0.32×	1.81×	0.31×	0.02×	3.3%	6	-0.71	3	B
NKSHNational Bankshares, Inc.	$39.59	13.47×	1.15×	2.5×	7.46×	115.2%	65.1%	22.5%	18.6%	8.6%	8.1%	7.1%	0×	-2.87×	0.64×	0.05×	4.5%	5	-0.29	3	B+
Peer median	—	11.57×	0.99×	2.04×	8.29×	115.2%	65.1%	22.5%	12.2%	8.6%	4.3%	10.1%	0.32×	1.6×	0.64×	0.09×	3.5%	7	-0.3	3	—