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)
PROVthis companyProvident Financial Holdings, Inc.	$18.29	16.54×	0.87×	1.84×	22.56×	-20.2%	68.1%	16.2%	11.2%	5.3%	0.6%	7.8%	1.24×	11.19×	0.49×	0.48×	3.3%	8	-0.47	3	B-
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+
FGBIFirst Guaranty Bancshares, Inc.	$12.22	-1.29×	0.33×	0.38×	9.09×	248.3%	-6.2%	-35.0%	-28.6%	-24.8%	-1.4%	-13.3%	0.82×	10.26×	-0.54×	120.47×	3.8%	7	-0.38	3	B+
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
RBKBRhinebeck Bancorp, Inc.	$13.13	9.25×	0.68×	1.23×	7.46×	-58.3%	68.2%	16.7%	13.2%	7.3%	4.9%	11.7%	0.22×	0.82×	0.56×	0.12×	0.0%	6	1.25	3	B
Peer median	—	9.43×	0.68×	1.86×	5×	2.3%	68.2%	22.1%	18.4%	5.1%	1.0%	6.8%	0.01×	0×	0.75×	0.14×	2.0%	6	-0.04	2	—