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)
SFNCthis companySimmons First National Corporation	$23.78	-6.39×	0.74×	4.05×	-5.9×	-102.3%	5.8%	-84.2%	-63.4%	-11.6%	-28.7%	16.7%	0.19×	-0.55×	-1.01×	0.86×	4.5%	6	-0.5	3	B-
BKUBankUnited, Inc.	$44.51	12.52×	1.11×	1.58×	12.61×	-121.7%	49.5%	16.7%	12.5%	8.8%	0.8%	10.6%	0.65×	4.3×	0.44×	15.41×	2.7%	7	-0.42	3	B+
FBFBNCFirst Bancorp	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FFBCFirst Financial Bancorp.	$33.04	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.	$53.66	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-
PFSProvident Financial Services, Inc.	$23.38	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
Peer median	—	10.87×	0.97×	1.87×	9.84×	45.8%	65.6%	25.4%	19.9%	9.1%	0.9%	12.3%	0.54×	3.55×	0.84×	0.94×	3.8%	6	-0.07	4	—