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)
PFSthis companyProvident Financial Services, Inc.	$23.18	8.86×	0.91×	1.86×	10.31×	178.0%	62.7%	29.5%	21.1%	10.3%	-1.9%	16.7%	0.89×	4.87×	0.8×	0.18×	4.9%	5	0.27	3	B
BANRBanner Corporation	$70.64	11.05×	1.1×	2.62×	9×	-35.4%	79.0%	29.5%	23.8%	10.0%	8.5%	11.6%	0.19×	0.73×	1.11×	0.02×	3.1%	4	-0.54	3	B+
CVBFCVB Financial Corp.	$22.97	12.24×	1.1×	3.93×	11.51×	-9.2%	79.9%	43.8%	32.5%	9.1%	5.1%	8.6%	0.43×	2.98×	2.12×	0.01×	4.4%	7	-0.31	3	B
FFBCFirst Financial Bancorp.	$32.87	9.3×	0.86×	1.89×	9.37×	52.5%	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	4	A-
NBTBNBT Bancorp Inc.	$53.32	12.43×	1.03×	2.25×	8.29×	39.1%	72.1%	25.3%	19.5%	8.9%	1.1%	11.2%	0.17×	0.56×	1.05×	1.6×	3.7%	8	0.23	4	A-
PRKPark National Corporation	$179.37	13.61×	1.81×	3.68×	10.36×	-28.6%	82.1%	33.3%	27.1%	13.3%	1.8%	7.8%	0.07×	-0.17×	2.06×	2.04×	3.7%	5	-0.45	3	B+
Peer median	—	12.24×	1.1×	2.62×	9.37×	-9.2%	79.0%	29.5%	23.8%	9.2%	5.1%	11.2%	0.19×	0.73×	1.11×	0.28×	3.7%	5	-0.36	3	—