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)
GBLIthis companyGlobal Indemnity Group, LLC	$21.46	16.22×	0.57×	0.89×	8.87×	-52.8%	14.4%	7.4%	5.6%	3.6%	3.3%	2.3%	0.01×	-1.47×	0×	1.35×	5.1%	5	1.14	4	A
AIIAmerican Integrity Insurance Group, Inc.	$27.45	3.6×	1.07×	1.3×	1.33×	469.1%	64.5%	41.6%	36.0%	29.6%	38.2%	37.1%	0×	-1.73×	0×	92.89×	6.4%	8	1.26	5	A+
CIVBCivista Bancshares, Inc.	$28.88	8.42×	0.72×	1.53×	9.13×	19.5%	66.4%	21.7%	18.1%	8.5%	5.3%	10.8%	0.52×	3.16×	0.67×	0.11×	3.0%	6	-0.53	4	A-
COFSChoiceOne Financial Services, Inc.	$37.33	14.61×	0.88×	2.13×	11.78×	146.9%	58.2%	17.7%	14.6%	6.1%	3.5%	6.1%	0.67×	4.17×	0.52×	0.06×	4.1%	5	0.36	4	A
FBIZFirst Business Financial Services, Inc.	$75.46	8.96×	1.19×	1.59×	10.46×	448.1%	57.3%	21.6%	18.0%	13.5%	1.2%	13.8%	0.7×	3.56×	0.55×	0.31×	2.4%	6	1.33	4	A-
HBCPHome Bancorp, Inc.	$62.10	9.75×	1.03×	2.15×	5.96×	-4.4%	70.5%	27.7%	22.0%	10.6%	3.0%	9.9%	0.13×	-1.37×	0.96×	0.09×	2.0%	6	-0.5	3	B+
Peer median	—	8.96×	1.03×	1.59×	9.13×	146.9%	64.5%	21.7%	18.1%	10.6%	3.5%	10.8%	0.52×	3.16×	0.55×	0.11×	3.0%	6	0.36	4	—