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)
OSBCthis companyOld Second Bancorp, Inc.	$25.09	11.89×	1.15×	2.59×	10.18×	-29.2%	78.1%	27.9%	20.2%	9.0%	-45.5%	11.5%	0.38×	1.76×	1.78×	0.1×	1.2%	8	-0.43	4	A-
BFSTBusiness First Bancshares, Inc.	$32.79	9.37×	0.86×	1.51×	7.66×	-28.6%	60.9%	22.2%	17.2%	9.8%	6.0%	11.9%	0.61×	1.18×	0.59×	0.15×	2.9%	7	-0.58	3	B+
BYByline Bancorp, Inc.	$38.82	10.05×	1.03×	2.08×	9.66×	-78.0%	66.1%	29.1%	20.7%	10.3%	-4.6%	10.4%	0.45×	2.69×	0.98×	0.31×	1.4%	7	-0.4	4	A-
CUBICustomers Bancorp, Inc.	$85.62	11.43×	1.18×	1.77×	11.75×	-62.2%	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
FBFBNCFirst Bancorp	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FFBCFirst Financial Bancorp.	$33.01	9.3×	0.86×	1.89×	9.37×	52.0%	68.4%	25.5%	20.3%	9.2%	5.4%	13.4%	0.43×	2.8×	0.89×	0.28×	4.0%	5	-0.36	3	B+
Peer median	—	9.71×	0.95×	1.83×	9.52×	-45.4%	63.5%	23.8%	18.7%	10.0%	4.0%	12.6%	0.53×	2.75×	0.74×	0.21×	2.1%	7	-0.41	3	—