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)
SMBKthis companySmartFinancial, Inc.	$48.22	12.29×	1.12×	1.96×	3.62×	-11.3%	61.0%	19.4%	15.9%	9.1%	7.1%	9.6%	0.18×	-5.09×	0.51×	0.22×	0.9%	7	-0.61	3	B
BCALCalifornia BanCorp	$21.99	9.57×	1.06×	2.58×	6.74×	221.3%	79.7%	37.1%	26.6%	10.9%	-8.8%	9.3%	0.12×	0.21×	1.55×	0.24×	0.5%	6	0.4	4	A
BWBBridgewater Bancshares, Inc.	$20.55	11.46×	0.93×	1.65×	13.21×	-58.7%	47.2%	21.1%	15.8%	8.9%	4.4%	4.6%	0.98×	5.88×	0.41×	0.11×	0.8%	6	-0.53	3	B
FCBCFirst Community Bankshares, Inc.	$46.04	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-
GSBCGreat Southern Bancorp, Inc.	$81.61	9.88×	1.1×	2.04×	9.57×	-44.2%	66.9%	25.4%	20.7%	11.2%	6.4%	9.4%	0.64×	2.25×	0.77×	0.14×	2.7%	6	-0.46	2	B-
IBCPIndependent Bank Corporation	$36.69	9.86×	1.34×	2.13×	7.14×	-28.2%	69.6%	25.8%	21.7%	13.6%	9.2%	10.4%	0.23×	-0.24×	0.91×	0.03×	3.2%	4	0.36	3	B+
Peer median	—	9.88×	1.1×	2.13×	7.14×	-28.2%	69.6%	25.8%	21.7%	10.9%	4.4%	9.4%	0.23×	0.21×	0.91×	0.14×	2.7%	6	-0.33	3	—