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)
CVBFthis companyCVB Financial Corp.	$22.97	12.24×	1.1×	3.93×	11.51×	-9.2%	79.9%	43.8%	32.5%	9.1%	5.1%	8.6%	0.43×	2.98×	2.12×	0.01×	4.4%	7	-0.31	3	B
CBFVCB Financial Services, Inc.	$40.90	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+
CBUCommunity Bank System, Inc.	$65.75	14.43×	1.51×	2.99×	11.36×	21.6%	78.8%	27.2%	20.8%	10.5%	1.2%	7.7%	0.37×	1.46×	1.43×	1.49×	3.2%	9	0.26	3	B+
FBKFB Financial Corporation	$55.34	23.15×	1.52×	3.37×	14.77×	-24.8%	58.9%	15.8%	14.0%	6.3%	5.2%	5.0%	0.15×	-4.23×	0.44×	0.12×	1.3%	6	-0.52	3	B+
FBFBNCFirst Bancorp	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FFBCFirst Financial Bancorp.	$33.04	9.3×	0.86×	1.89×	9.37×	52.5%	68.4%	25.5%	20.3%	9.2%	5.4%	13.4%	0.43×	2.8×	0.89×	0.28×	4.0%	5	-0.36	4	A-
Peer median	—	18.79×	1.31×	2.78×	13.07×	1.0%	65.5%	20.6%	17.1%	7.8%	3.8%	8.7%	0.3×	0.94×	0.66×	0.2×	3.1%	6	-0.11	3	—