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)
ORRFthis companyOrrstown Financial Services, Inc.	$44.12	8.41×	1×	1.67×	7.49×	119.8%	70.6%	29.0%	22.8%	13.7%	23.9%	12.0%	0.57×	2.49×	0.99×	1.13×	3.5%	7	-0.54	4	A
ACNBACNB Corporation	$66.05	13.39×	1.18×	2.91×	15.12×	26.4%	73.7%	27.3%	21.7%	8.8%	1.1%	10.6%	0.78×	5.8×	1.16×	0.32×	2.9%	7	0.36	4	A-
CARECarter Bankshares, Inc.	$29.07	14.04×	1.05×	1.73×	10.76×	-72.5%	61.7%	15.7%	12.3%	7.5%	4.9%	7.2%	0.43×	1.53×	0.39×	0.12×	0.0%	6	0.61	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+
CZNCCitizens & Northern Corporation	$28.26	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
FRAFFranklin Financial Services Corporation	$68.80	10.59×	1.29×	1.69×	10.97×	13.8%	64.3%	19.7%	15.9%	12.1%	5.3%	10.9%	1.23×	3.03×	0.59×	0.13×	2.6%	6	0.31	3	B+
Peer median	—	13.39×	1.05×	1.73×	11.55×	13.8%	64.3%	19.7%	15.9%	8.8%	4.9%	10.6%	0.78×	4.74×	0.6×	0.13×	2.9%	6	0.36	3	—