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)
BOKFthis companyBOK Financial Corporation	$132.21	12.9×	1.22×	2.17×	12.41×	0.1%	63.7%	21.4%	17.4%	9.8%	5.1%	10.2%	0.78×	3.62×	0.59×	0.17×	2.0%	7	-0.09	3	B
CBSHCommerce Bancshares, Inc.	$55.98	12.83×	1.92×	3.4×	12.01×	-6.2%	80.0%	34.2%	26.5%	14.9%	4.2%	8.1%	0.79×	2.79×	1.97×	0×	2.1%	6	-0.32	3	B+
CFRCullen/Frost Bankers, Inc.	$158.60	12.64×	1.77×	2.78×	4.67×	33.3%	75.0%	26.4%	22.2%	14.2%	6.4%	1.6%	1.04×	-4.77×	1.13×	0.21×	3.2%	6	-0.72	3	B
EFSCEnterprise Financial Services Corp	$62.76	10.09×	0.98×	2.19×	7.78×	-12.0%	68.4%	31.1%	22.1%	9.9%	1.2%	9.1%	0.25×	1.02×	1.08×	27.2×	2.4%	7	-0.47	3	B+
FFINFirst Financial Bankshares, Inc.	$30.74	16.78×	2.23×	5.18×	9.96×	-81.0%	71.8%	37.5%	30.7%	13.2%	13.1%	7.2%	0.01×	-3.27×	1.54×	0.68×	2.5%	7	-0.24	4	A-
OZKBank OZK	$51.46	7.41×	0.83×	1.81×	5.23×	92.3%	55.4%	33.3%	25.5%	11.7%	-93.4%	14.4%	0.08×	0.44×	0.87×	0.8×	4.2%	6	0.36	4	A
Peer median	—	12.64×	1.77×	2.78×	7.78×	-6.2%	71.8%	33.3%	25.5%	13.2%	4.2%	8.1%	0.25×	0.44×	1.13×	0.68×	2.5%	6	-0.32	3	—