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)
PBHCthis companyPathfinder Bancorp, Inc.	$17.19	-26.13×	0.73×	1.12×	-108.91×	544.7%	38.5%	-5.2%	-4.3%	-2.8%	-0.3%	11.3%	0.89×	-56.5×	-0.13×	26.41×	2.8%	5	0.99	2	C
AUBNAuburn National Bancorporation, Inc.	$25.85	12.96×	1.02×	2.87×	-2.86×	88.8%	98.1%	28.1%	22.1%	7.9%	7.6%	11.5%	0×	-11.17×	0.83×	0.14×	4.0%	6	0.3	2	C+
DTSQDT Cloud Star Acquisition Corporation	$12.67	29.86×	4.01×	0×	-121.2×	—	0.0%	0.0%	0.0%	12.7%	-3.2%	-0.6%	0×	0×	0×	0.21×	4.0%	4	10.41	2	C
FDSBFifth District Savings Bank	$17.89	18.99×	0.59×	2.91×	14.86×	-25.1%	65.2%	15.8%	15.4%	3.2%	2.9%	1.2%	0×	-1.03×	0.45×	0.02×	0.0%	5	0.66	2	C
LSBKLake Shore Bancorp, Inc.	$18.81	15.27×	0.77×	2.76×	5×	-7.0%	70.9%	22.1%	18.4%	5.1%	1.0%	6.8%	0.01×	-6.83×	0.75×	200.88×	0.9%	8	—	2	C
MGYRMagyar Bancorp, Inc.	$21.88	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
Peer median	—	15.27×	0.77×	2.76×	0×	-2.4%	65.2%	22.1%	18.4%	5.1%	1.0%	1.2%	0×	-1.03×	0.75×	0.14×	2.0%	6	0.48	2	—