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)
SSBIthis companySummit State Bank	$11.26	11.51×	0.77×	1.33×	2×	27.5%	55.8%	15.2%	11.6%	6.7%	0.7%	8.4%	0.06×	-6.38×	0.38×	171.08×	0.0%	5	0.34	2	B-
BOTJBank of the James Financial Group, Inc.	$24.63	9.34×	1.05×	1.35×	4.96×	3.2%	77.9%	17.8%	14.4%	11.3%	0.9%	12.4%	0.11×	-1.51×	0.8×	496.36×	2.2%	6	0.52	3	B+
BYFCBroadway Financial Corp.	$11.60	-2.29×	0.24×	1.01×	-8.56×	-255.5%	51.9%	-38.8%	-39.3%	-9.4%	-5.7%	-0.0%	0.58×	-5.91×	-0.87×	0.03×	4.7%	6	-0.65	2	B-
CASHPathward Financial, Inc.	$76.56	8.7×	1.86×	1.83×	8.43×	-435.4%	88.3%	24.7%	21.1%	21.4%	11.3%	0.0%	0.45×	1×	20.53×	0.24×	0.3%	7	-0.33	4	A-
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
FNWBFirst Northwest Bancorp	$9.92	-19.54×	0.57×	0.84×	-71.56×	-301.3%	47.3%	-5.5%	-3.9%	-2.7%	-0.8%	-3.1%	2.06×	-52.08×	-0.12×	0.06×	1.5%	3	1.21	2	C
Peer median	—	8.7×	0.59×	1.35×	4.96×	-255.5%	65.2%	15.8%	14.4%	3.2%	0.9%	0.0%	0.45×	-1.51×	0.45×	0.06×	1.5%	6	0.52	2	—