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)
SFSTthis companySouthern First Bancshares, Inc.	$60.06	13.67×	1.12×	1.85×	13.38×	-46.3%	51.3%	17.6%	13.5%	8.2%	4.4%	7.2%	0.72×	4.03×	0.37×	0.02×	0.0%	7	-0.63	3	B
CARECarter Bankshares, Inc.	$29.07	14.04×	1.05×	1.73×	10.76×	-72.5%	61.7%	15.7%	12.3%	7.5%	4.9%	7.2%	0.43×	1.53×	0.39×	0.12×	0.0%	6	0.61	4	A+
CFFIC&F Financial Corporation	$107.13	8.76×	0.9×	1.26×	7.35×	4.6%	69.5%	17.8%	14.4%	10.3%	6.4%	9.4%	0.43×	0.93×	0.73×	0.18×	2.5%	6	-0.43	4	A-
COSOCoastalSouth Bancshares, Inc.	$28.48	10.38×	1.03×	1.97×	7.66×	30.0%	58.0%	22.9%	18.3%	9.6%	-5.6%	22.9%	0.12×	-0.34×	0.58×	0.15×	0.0%	5	0.44	4	A-
FBFBNCFirst Bancorp	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCFCBMFirst Carolina Financial Services	$13.49	31.5×	1.1×	1.8×	16.74×	-450.7%	53.0%	7.3%	5.8%	3.5%	16.3%	8.4%	0.4×	0.19×	0.17×	0×	0.0%	—	—	3	B+
Peer median	—	12.21×	1.04×	1.77×	9.21×	-33.9%	59.8%	16.7%	13.4%	8.5%	5.7%	8.9%	0.41×	0.56×	0.49×	0.13×	0.0%	6	0.44	4	—