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)
UVSPthis companyUnivest Financial Corporation	$40.99	10.36×	1×	1.81×	6.19×	-36.5%	61.0%	21.9%	17.5%	9.6%	6.9%	10.3%	0.37×	-1.69×	0.6×	0.08×	2.7%	6	0.31	3	B+
CZFSCitizens Financial Services, Inc.	$85.85	7.48×	0.81×	1.58×	11.55×	61.4%	63.3%	26.0%	21.1%	10.8%	5.3%	12.9%	0.92×	5.75×	0.74×	0.04×	3.5%	4	0.47	3	B+
FDBCFidelity D & D Bancorp, Inc.	$69.44	8.92×	1.05×	1.79×	3.12×	-10.4%	65.5%	23.6%	20.1%	11.8%	10.0%	9.9%	0.07×	-3.4×	0.7×	0.14×	3.7%	8	-0.63	3	B+
FRAFFranklin Financial Services Corporation	$69.50	10.59×	1.29×	1.69×	10.97×	13.8%	64.3%	19.7%	15.9%	12.1%	5.3%	10.9%	1.23×	3.03×	0.59×	0.13×	2.6%	6	0.31	3	B+
FRBAFirst Bank	$19.92	9.41×	0.93×	1.66×	6.17×	133.2%	55.2%	23.2%	17.7%	9.8%	5.8%	15.3%	0.61×	-0.51×	0.58×	0.13×	1.5%	6	0.29	4	A-
JMSBJohn Marshall Bancorp, Inc.	$23.29	13.33×	1.07×	2.46×	8.28×	3.8%	52.8%	23.7%	18.4%	8.0%	5.9%	7.8%	0.32×	-1.53×	0.52×	0.08×	1.5%	6	0.3	3	B+
Peer median	—	9.41×	1.05×	1.69×	8.28×	13.8%	63.3%	23.6%	18.4%	10.8%	5.8%	10.9%	0.61×	-0.51×	0.59×	0.13×	2.6%	6	0.3	3	—