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)
PBFSthis companyPioneer Bancorp, Inc.	$18.60	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-
BWFGBankwell Financial Group, Inc.	$70.31	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-
DCOMDime Community Bancshares, Inc.	$42.99	12.75×	0.88×	1.77×	-4.24×	85.4%	56.1%	21.5%	15.2%	7.5%	4.4%	14.1%	0.25×	-12.21×	0.57×	0.25×	3.9%	8	-0.49	3	B+
MCBMetropolitan Bank Holding Corp.	$96.50	11.38×	1.09×	1.53×	4.71×	-24.7%	52.6%	19.3%	13.5%	9.6%	8.1%	10.2%	0.01×	-4.23×	0.48×	0.13×	0.4%	6	-0.6	4	A-
MGYRMagyar Bancorp, Inc.	$22.00	9.43×	0×	1.86×	0×	2.3%	62.3%	27.8%	19.7%	0.0%	0.0%	0.0%	0×	0×	0.77×	0×	2.0%	6	-0.62	2	C
NECBNortheast Community Bancorp, Inc.	$29.76	6.75×	0.85×	1.91×	4.63×	207.3%	66.1%	39.6%	28.2%	12.6%	10.3%	17.0%	0.21×	-0.1×	1.17×	0.06×	4.4%	8	-0.41	4	A+
Peer median	—	10.2×	0.88×	1.77×	4.63×	85.4%	56.1%	23.3%	16.9%	9.6%	4.4%	10.2%	0.21×	-0.86×	0.57×	0.13×	2.0%	7	-0.49	4	—