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)
FSBWthis companyFS Bancorp, Inc.	$43.54	9.49×	1.01×	1.42×	7.71×	37.8%	66.5%	20.6%	15.3%	10.8%	8.1%	16.8%	0.46×	2.25×	0.67×	0.12×	3.3%	6	-0.53	3	B
BCMLBayCom Corp	$31.58	13.49×	0.95×	2.26×	8.81×	-29.8%	68.4%	23.2%	16.9%	7.1%	9.9%	9.4%	0.07×	-0.12×	0.8×	55.06×	2.1%	8	-0.59	2	C+
CBANColony Bankcorp, Inc.	$20.61	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
COSOCoastalSouth Bancshares, Inc.	$28.39	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.	$86.17	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+
CZNCCitizens & Northern Corporation	$27.91	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
Peer median	—	11.21×	0.94×	1.97×	11.55×	-29.8%	65.3%	22.9%	16.9%	7.5%	4.2%	9.4%	0.56×	4.74×	0.61×	0.15×	2.5%	5	0.34	3	—