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)
NEWTOthis companyNewtekOne, Inc. 8.5 % Notes -01.02.31	$25.25	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
BAFNBayFirst Financial Corp.	$5.67	-1.32×	0.37×	0.31×	7.08×	674.7%	38.0%	-29.6%	-22.0%	-26.2%	-19.9%	879.3%	0.24×	8.57×	-0.77×	0.18×	4.4%	6	0.21	3	B+
BFSTBusiness First Bancshares, Inc.	$32.54	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+
CUBICustomers Bancorp, Inc.	$85.97	11.43×	1.18×	1.77×	11.75×	-64.0%	51.6%	22.0%	15.8%	10.6%	2.6%	13.3%	0.81×	4.66×	0.51×	0.01×	0.4%	8	-0.41	3	B
EFSIEagle Financial Services, Inc.	$46.02	25.03×	1.13×	2.04×	25.16×	-16.5%	61.6%	9.5%	7.9%	4.3%	2.9%	12.4%	0.37×	5.2×	0.27×	0.09×	2.9%	7	-0.58	3	B+
NEWTNewtekOne, Inc.	$10.89	4.73×	0.72×	0.89×	6×	1031.8%	75.3%	42.5%	18.8%	15.2%	8.2%	19.6%	2.07×	3.92×	2.42×	0.2×	9.8%	3	0.48	3	B+
Peer median	—	9.37×	0.86×	1.51×	7.66×	-16.5%	60.9%	22.0%	15.8%	9.8%	2.9%	13.3%	0.61×	4.66×	0.51×	0.15×	2.9%	6	-0.41	3	—