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)
OVLYthis companyOak Valley Bancorp	$34.65	10.37×	1.19×	3.03×	1.41×	163.5%	99.0%	37.5%	29.3%	11.5%	10.4%	9.9%	0×	-6.39×	2.3×	0.23×	2.0%	4	—	3	B
CFFIC&F Financial Corporation	$107.22	8.76×	0.9×	1.26×	7.35×	4.6%	69.5%	17.8%	14.4%	10.3%	6.4%	9.4%	0.43×	0.93×	0.73×	0.18×	2.5%	6	-0.43	4	A-
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+
FUNCFirst United Corporation	$46.32	9.9×	1.19×	2.04×	6.35×	56.1%	70.2%	27.3%	20.6%	12.0%	7.0%	6.3%	0.56×	-0.47×	0.99×	0.09×	2.5%	8	-0.48	3	B+
FVCBFVCBankcorp, Inc.	$16.33	11.4×	0.99×	2.07×	5.24×	-9.8%	53.9%	23.1%	18.1%	8.7%	7.5%	9.4%	0.1×	-3.58×	0.52×	0.07×	0.9%	8	-0.64	3	B+
HWBKHawthorn Bancshares, Inc.	$39.35	10.14×	1.4×	2.17×	9.38×	-5.0%	71.3%	26.0%	21.2%	13.7%	7.0%	9.4%	0.89×	1.6×	0.92×	0.11×	2.2%	6	0.5	2	C
Peer median	—	9.9×	1.05×	2.04×	6.35×	-5.0%	69.5%	23.6%	20.1%	11.8%	7.0%	9.4%	0.43×	-0.47×	0.73×	0.11×	2.5%	8	-0.48	3	—