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)
HBTthis companyHBT Financial, Inc.	$37.52	10.59×	1.32×	2.77×	7.73×	53.0%	80.0%	35.6%	26.3%	12.5%	-3.8%	9.2%	0.11×	0.37×	1.84×	0.28×	3.3%	5	-0.39	3	B+
ACNBACNB Corporation	$66.43	13.39×	1.18×	2.91×	15.12×	26.4%	73.7%	27.3%	21.7%	8.8%	1.1%	10.6%	0.78×	5.8×	1.16×	0.32×	2.9%	7	0.36	4	A-
BFSTBusiness First Bancshares, Inc.	$32.78	9.37×	0.86×	1.51×	7.66×	-29.7%	60.9%	22.2%	17.2%	9.8%	6.0%	11.9%	0.61×	1.18×	0.59×	0.15×	2.9%	6	-0.58	3	B+
BHBBar Harbor Bankshares	$41.82	13.38×	0.97×	2.13×	13.47×	-23.1%	67.4%	19.0%	15.2%	6.9%	4.3%	8.4%	0.51×	3.6×	0.62×	0.17×	3.9%	6	-0.66	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+
HOPEHope Bancorp, Inc.	$13.46	23.83×	0.62×	1.46×	8.26×	-15.7%	48.6%	8.3%	6.0%	2.6%	-37.9%	10.7%	0.17×	-1.09×	0.17×	0.72×	5.0%	8	0.24	3	B+
Peer median	—	13.38×	0.97×	2.13×	8.26×	-15.7%	67.4%	22.2%	17.2%	8.8%	1.2%	10.6%	0.51×	1.18×	0.62×	0.32×	2.9%	7	-0.47	3	—