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)
MVBFthis companyMVB Financial Corp.	$26.36	12.24×	0.99×	1.22×	4.14×	25.6%	71.7%	13.6%	10.0%	8.1%	5.8%	0.6%	0.23×	-4.23×	0.54×	0.09×	2.6%	5	1.31	3	B
BWFGBankwell Financial Group, Inc.	$70.67	10.2×	1.18×	1.71×	5.89×	432.8%	51.6%	23.3%	16.9%	11.7%	1.9%	7.6%	0.6×	-0.86×	0.49×	1.89×	1.8%	7	1.5	4	A-
CZNCCitizens & Northern Corporation	$28.45	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
FMAOFarmers & Merchants Bancorp, Inc.	$36.96	7.25×	0.91×	1.79×	10.89×	-57.2%	62.3%	22.5%	17.6%	9.0%	4.8%	10.2%	0.81×	4.07×	0.61×	0.11×	3.6%	8	-0.45	3	B
OBTOrange County Bancorp, Inc.	$40.01	8.57×	1.26×	2.26×	3.51×	26.6%	75.5%	32.6%	26.3%	14.6%	11.9%	11.6%	0.12×	-3.18×	1.67×	0.16×	2.0%	5	0.64	4	A-
PBFSPioneer Bancorp, Inc.	$18.53	16.24×	1.02×	2.6×	7.01×	155.5%	73.1%	20.9%	16.0%	6.3%	5.0%	2.7%	0×	-4.61×	0.87×	0.11×	0.0%	4	-0.53	1	C-
Peer median	—	10.2×	1.02×	2.09×	7.01×	26.6%	65.3%	22.5%	16.9%	9.0%	4.8%	9.4%	0.56×	-0.86×	0.61×	0.16×	2.0%	7	-0.45	3	—