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)
FINWthis companyFinWise Bancorp	$14.05	14.35×	1.19×	1.52×	2.67×	139.8%	61.0%	14.4%	10.7%	8.3%	7.3%	-14.9%	0.02×	-5.97×	1.07×	0.22×	0.0%	3	0.74	3	B+
CHMGChemung Financial Corporation	$85.31	17.83×	1.05×	1.92×	11.09×	-54.1%	64.2%	14.2%	10.8%	5.9%	3.4%	16.3%	0.02×	-0.79×	0.44×	0.13×	2.4%	5	-0.57	3	B+
COSOCoastalSouth 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-
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+
FRSTPrimis Financial Corp	$14.65	5.59×	0.81×	1.1×	5.64×	47.1%	67.6%	23.2%	19.7%	14.5%	3.1%	2.6%	0.62×	1.45×	0.82×	0.07×	2.9%	5	0.18	4	A
JMSBJohn Marshall Bancorp, Inc.	$23.28	13.33×	1.07×	2.46×	8.28×	3.8%	52.8%	23.7%	18.4%	8.0%	5.9%	7.8%	0.32×	-1.53×	0.52×	0.08×	1.5%	6	0.3	3	B+
Peer median	—	10.38×	1.03×	1.92×	8.28×	30.0%	63.3%	23.2%	18.4%	9.6%	3.4%	12.9%	0.32×	-0.34×	0.58×	0.08×	2.4%	5	0.3	3	—