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)
NWBIthis companyNorthwest Bancshares, Inc.	$15.39	12.9×	0.93×	2.01×	11.96×	0.8%	68.3%	18.8%	14.4%	6.7%	4.5%	8.1%	0.24×	1.29×	0.73×	0.13×	6.2%	6	-0.61	3	B+
BANFBancFirst Corporation	$117.58	14.68×	1.91×	4.3×	10.59×	-58.3%	82.9%	36.8%	29.2%	13.0%	1.6%	6.7%	0.07×	-0.29×	0.98×	20.32×	1.8%	5	-0.29	3	B+
CIVBCivista Bancshares, Inc.	$28.85	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-
CZNCCitizens & Northern Corporation	$28.40	13.82×	0.94×	2.09×	15.12×	-55.3%	65.3%	18.6%	15.2%	6.9%	0.7%	9.4%	0.56×	4.74×	0.6×	1.11×	5.1%	7	-0.48	3	B
EBCEastern Bankshares, Inc.	$23.33	46.07×	0.91×	3.75×	23.61×	-31.5%	65.8%	9.4%	8.3%	2.0%	1.7%	10.4%	0.05×	-0.72×	0.3×	0.03×	2.7%	7	-0.49	4	A-
FCBCFirst Community Bankshares, Inc.	$46.11	12.68×	1.23×	3.33×	1.55×	76.5%	90.3%	34.0%	26.3%	9.7%	-122.0%	9.7%	0×	-7.43×	3.52×	0.73×	9.8%	5	-0.33	4	A-
Peer median	—	13.82×	0.94×	3.33×	10.59×	-31.5%	66.4%	21.7%	18.1%	8.5%	1.6%	9.7%	0.07×	-0.29×	0.67×	0.73×	3.0%	6	-0.48	4	—