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)
HIFSthis companyHingham Institution for Savings	$305.11	11.35×	1.29×	2.62×	28.24×	63.4%	43.6%	30.7%	23.0%	11.4%	1.2%	5.7%	3.05×	19.82×	0.55×	0.02×	0.9%	5	0.37	3	B+
BOTJBank of the James Financial Group, Inc.	$24.75	9.34×	1.05×	1.35×	4.96×	3.2%	77.9%	17.8%	14.4%	11.3%	0.9%	12.4%	0.11×	-1.51×	0.8×	496.36×	2.2%	6	0.52	3	B+
INDBIndependent Bank Corp.	$85.49	16.42×	1.01×	3.1×	13.87×	-17.6%	67.9%	22.9%	17.6%	5.8%	0.8%	6.6%	0.25×	2.17×	0.85×	0.55×	2.9%	7	-0.5	4	A-
JMSBJohn Marshall Bancorp, Inc.	$23.29	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+
NBBKNB Bancorp, Inc. Common Stock	$22.47	14.79×	0.94×	2.55×	9.11×	554.3%	54.9%	22.4%	15.9%	5.9%	0.7%	7.1%	0.23×	-1.73×	0.51×	306.98×	0.7%	5	-0.64	3	B+
NBNNortheast Bank	$132.17	10.24×	1.82×	2.86×	13.28×	-47.0%	61.5%	38.2%	27.9%	17.8%	2.1%	-5.8%	1.42×	5.81×	0.99×	0.11×	0.0%	3	0.45	3	B
Peer median	—	13.33×	1.05×	2.55×	9.11×	3.2%	61.5%	22.9%	17.6%	8.0%	0.9%	7.1%	0.25×	-1.51×	0.8×	0.55×	1.5%	6	0.3	3	—