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)
CZNCthis companyCitizens & Northern Corporation	$28.40	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
CACCamden National Corp.	$59.06	11.27×	1.05×	1.99×	13.77×	94.9%	62.8%	22.2%	17.7%	9.4%	5.5%	8.0%	0.92×	5.9×	0.7×	1.77×	3.9%	7	-0.46	4	A
CCNECNB Financial Corporation	$36.43	10.43×	0.74×	1.59×	4.62×	5.5%	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
CFFIC&F Financial Corporation	$107.38	8.76×	0.9×	1.26×	7.35×	4.6%	69.5%	17.8%	14.4%	10.3%	6.4%	9.4%	0.43×	0.93×	0.73×	0.18×	2.5%	6	-0.43	4	A-
CZFSCitizens Financial Services, Inc.	$86.00	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+
CZWICitizens Community Bancorp, Inc.	$23.56	12.21×	0.92×	1.92×	11.09×	-16.8%	54.7%	7.0%	16.0%	7.7%	2.0%	6.0%	0.28×	-7.02×	0.16×	0.13×	2.1%	6	-0.58	3	B
Peer median	—	10.43×	0.9×	1.59×	11.09×	5.5%	62.8%	20.4%	16.3%	9.4%	5.3%	9.1%	0.43×	0.93×	0.7×	0.13×	3.5%	6	-0.46	4	—