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)
CWBCthis companyCommunity West Bancshares	$26.27	11.19×	1.04×	2.2×	7.94×	88.8%	72.6%	27.0%	19.6%	9.3%	1.0%	10.2%	0.35×	0.41×	1.06×	1.63×	2.1%	6	-0.55	3	B+
BCALCalifornia BanCorp	$21.99	9.57×	1.06×	2.58×	6.74×	221.3%	79.7%	37.1%	26.6%	10.9%	-8.8%	9.3%	0.12×	0.21×	1.55×	0.24×	0.5%	6	0.4	4	A
BSRRSierra Bancorp	$41.62	10.41×	1.21×	2.18×	13.96×	5.5%	73.9%	27.9%	21.0%	11.6%	4.4%	7.3%	1.42×	6.49×	1.21×	0.19×	3.1%	9	-0.37	4	A-
FNRNFirst Northern Community Bancorp	$17.14	9.97×	1×	2.4×	2.41×	69.1%	83.2%	31.0%	23.9%	10.0%	1.1%	2.4%	0.03×	-4.65×	1.85×	140.53×	0.0%	4	0.73	2	C
OVLYOak Valley Bancorp	$35.06	10.37×	1.19×	3.03×	1.41×	163.5%	99.0%	37.5%	29.3%	11.5%	10.4%	9.9%	0×	-6.39×	2.3×	0.23×	2.0%	4	—	3	B
PBAMPrivate Bancorp of America, Inc.	$85.43	8.18×	1.25×	1.92×	3.39×	88.7%	69.2%	33.6%	23.6%	15.4%	13.0%	13.1%	0.11×	-2.21×	1.23×	0.17×	0.0%	6	0.49	4	A-
Peer median	—	9.97×	1.19×	2.4×	3.39×	88.7%	79.7%	33.6%	23.9%	11.5%	4.4%	9.3%	0.11×	-2.21×	1.55×	0.23×	0.5%	6	0.45	4	—