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)
UBCPthis companyUnited Bancorp, Inc.	$14.32	10.18×	1.12×	1.66×	17.01×	-3.5%	67.4%	17.4%	16.3%	11.0%	3.6%	-2.3%	1.86×	8.81×	0.55×	0.25×	7.0%	8	0.25	3	B
ASRVAmeriServ Financial, Inc.	$4.90	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+
AUBNAuburn National Bancorporation, Inc.	$25.76	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+
BOTJBank of the James Financial Group, Inc.	$24.75	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+
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	$17.63	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
Peer median	—	9.38×	1.02×	1.83×	8.43×	-25.1%	77.9%	17.8%	15.4%	7.9%	2.9%	3.9%	0.11×	-1.03×	0.8×	0.14×	2.2%	6	0.3	3	—