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)
TCBSthis companyTexas Community Bancshares, Inc.	$17.31	17.28×	0.91×	1.92×	21.55×	-212.6%	60.9%	13.2%	11.1%	5.3%	2.8%	2.0%	0.85×	9.17×	0.37×	0.16×	1.2%	8	-0.63	2	B-
ASRVAmeriServ Financial, Inc.	$4.32	9.38×	0.44×	0.6×	8.67×	-80.8%	62.4%	7.7%	6.4%	4.7%	2.7%	3.9%	0.63×	2.75×	0.23×	0.06×	3.8%	6	0.19	3	B+
BAFNBayFirst Financial Corp.	$5.69	-1.32×	0.37×	0.31×	7.08×	674.7%	38.0%	-29.6%	-22.0%	-26.2%	-19.9%	879.3%	0.24×	8.57×	-0.77×	0.18×	4.4%	6	0.21	3	B+
CLSTCatalyst Bancorp, Inc.	$16.91	28.12×	0.72×	3.82×	16.46×	-88.6%	72.8%	16.3%	13.4%	2.5%	2.1%	5.3%	0.18×	-3.58×	0.61×	0.4×	0.0%	5	1.19	2	C+
HFBLHome Federal Bancorp, Inc. of Louisiana	$23.50	10.24×	1.08×	1.81×	3.66×	-6.7%	67.7%	22.3%	17.7%	10.5%	1.1%	12.0%	0.06×	-3.45×	0.73×	17,913.35×	2.6%	5	1.24	3	B+
OPHCOptimumBank Holdings, Inc.	$8.88	2.99×	0.41×	0.7×	-0.51×	612.5%	66.5%	31.2%	23.4%	13.7%	9.3%	33.9%	0.43×	-2.68×	1.02×	0.12×	0.0%	6	0.24	4	A+
Peer median	—	9.38×	0.44×	0.7×	7.08×	-6.7%	66.5%	16.3%	13.4%	4.7%	2.1%	12.0%	0.24×	-2.68×	0.61×	0.18×	2.6%	6	0.24	3	—