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)
SPFIthis companySouth Plains Financial, Inc.	$43.04	10.78×	1.28×	2.12×	1.73×	53.1%	69.6%	24.9%	19.7%	11.8%	9.6%	11.4%	0.12×	-6.16×	0.87×	0.29×	1.6%	6	-0.39	4	A-
ACNBACNB Corporation	$66.05	13.39×	1.18×	2.91×	15.12×	26.4%	73.7%	27.3%	21.7%	8.8%	1.1%	10.6%	0.78×	5.8×	1.16×	0.32×	2.9%	7	0.36	4	A-
FISIFinancial Institutions, Inc.	$40.22	8.54×	1×	1.66×	8.59×	-32.4%	61.7%	24.2%	19.8%	11.9%	7.2%	2.1%	0.53×	2.27×	0.69×	0.03×	4.2%	8	0.4	2	C+
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-
MSBIMidland States Bancorp, Inc.	$32.30	-3.45×	0.82×	0.99×	-7.84×	-118.8%	57.4%	-22.1%	-26.6%	-22.0%	-9.5%	26.0%	0.67×	-2.77×	-0.68×	0.26×	7.9%	7	0.18	3	B
RRBIRed River Bancshares, Inc.	$104.31	11.16×	1.31×	2.81×	4.68×	5.9%	72.5%	31.3%	25.2%	11.7%	11.2%	8.9%	0×	-3.74×	1.2×	0.08×	0.8%	8	0.65	4	A-
Peer median	—	9.88×	1.1×	2.04×	8.59×	-32.4%	66.9%	25.4%	20.7%	11.2%	6.4%	9.4%	0.64×	2.25×	0.77×	0.14×	2.9%	7	0.36	3	—