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)
TMPthis companyTompkins Financial Corporation	$101.41	6.42×	1.1×	1.79×	6.69×	56.7%	75.1%	38.8%	27.8%	17.2%	9.3%	3.1%	0.7×	2.26×	1.7×	0.15×	3.5%	8	-0.43	4	A
ACNBACNB Corporation	$66.05	13.39×	1.18×	2.91×	15.12×	26.4%	73.7%	27.3%	21.7%	8.8%	1.1%	10.6%	0.78×	5.8×	1.16×	0.32×	2.9%	7	0.36	4	A-
AROWArrow Financial Corporation	$38.83	11.8×	1.2×	2.14×	8.52×	-28.6%	65.3%	22.8%	18.1%	10.2%	-7.2%	7.0%	0.07×	0×	0.72×	0.04×	3.6%	5	0.2	3	B-
BHBBar Harbor Bankshares	$41.52	13.38×	0.97×	2.13×	13.47×	-23.1%	67.4%	19.0%	15.2%	6.9%	4.3%	8.4%	0.51×	3.6×	0.62×	0.17×	3.9%	6	-0.66	3	B+
CBFVCB Financial Services, Inc.	$40.72	35.94×	1.11×	2.56×	25.13×	-19.5%	62.5%	7.7%	7.1%	3.1%	2.4%	9.8%	0.22×	0.43×	0.21×	0.02×	2.9%	6	0.14	3	B+
CTBICommunity Trust Bancorp, Inc.	$69.96	10.39×	1.19×	2.49×	10.13×	347.1%	66.7%	31.0%	24.0%	11.5%	9.1%	9.6%	0.46×	2.46×	1×	0.91×	3.5%	3	0.2	4	A-
Peer median	—	13.38×	1.18×	2.49×	13.47×	-19.5%	66.7%	22.8%	18.1%	8.8%	2.4%	9.6%	0.46×	2.46×	0.72×	0.17×	3.5%	6	0.2	3	—