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)
STCthis companyStewart Information Services Corporation	$46.30	17.22×	1.24×	0.7×	10.3×	63.7%	87.7%	5.7%	4.0%	7.0%	4.9%	6.5%	0.47×	1.85×	8.1×	0.72×	2.9%	5	2.12	4	A-
FBFBNCFirst Bancorp	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
HMNHorace Mann Educators Corporation	$52.91	11.75×	1.29×	1.18×	9.39×	174.2%	35.2%	12.4%	10.0%	10.9%	1.1%	28.8%	0.4×	2.14×	5.53×	0×	3.0%	7	0.84	3	B+
NICNicolet Bankshares, Inc.	$175.86	12.06×	1.44×	3.29×	6.4×	-62.6%	69.5%	33.8%	27.3%	12.0%	1.6%	8.2%	0.11×	-2.6×	1.14×	5,079.45×	1.0%	8	-0.47	3	B
PACSPACS Group, Inc.	$49.06	31.21×	6.33×	1.13×	25.36×	-583.5%	21.9%	5.9%	3.6%	20.2%	4.4%	5.0%	3.67×	8.96×	10.92×	1.07×	0.0%	7	2.32	3	B
SKWDSkyward Specialty Insurance Group, Inc.	$59.38	12.14×	2.05×	1.46×	8.86×	-309.4%	44.0%	15.3%	12.0%	16.8%	15.1%	19.5%	0.12×	-0.21×	27.33×	0.95×	0.0%	5	1.34	4	A-
Peer median	—	12.1×	1.75×	1.32×	9.13×	-186.0%	39.6%	13.8%	11.0%	14.4%	3.0%	13.9%	0.26×	0.96×	8.22×	1.01×	0.5%	7	1.09	3	—