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)
NWFLthis companyNorwood Financial Corp.	$36.19	9.26×	1.06×	1.89×	7.76×	-11.4%	63.6%	26.1%	20.4%	11.5%	8.4%	11.4%	0.31×	0.8×	0.74×	0.16×	4.5%	7	1.35	3	B+
CHMGChemung Financial Corporation	$86.20	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+
CZFSCitizens Financial Services, Inc.	$85.85	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+
FDBCFidelity D & D Bancorp, Inc.	$69.44	8.92×	1.05×	1.79×	3.12×	-10.4%	65.5%	23.6%	20.1%	11.8%	10.0%	9.9%	0.07×	-3.4×	0.7×	0.14×	3.7%	8	-0.63	3	B+
FINWFinWise Bancorp	$13.91	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+
FRSTPrimis Financial Corp	$14.69	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
Peer median	—	8.92×	1.05×	1.58×	5.64×	47.1%	64.2%	23.2%	19.7%	10.8%	5.3%	9.9%	0.07×	-0.79×	0.74×	0.13×	2.9%	5	0.18	3	—