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)
TFINthis companyTriumph Financial, Inc.	$62.51	66.63×	1.57×	2.87×	23.11×	-58.8%	83.9%	6.4%	4.9%	2.7%	-0.7%	3.4%	0.42×	2.06×	0.41×	0.12×	0.2%	5	-0.64	2	C+
CFRCullen/Frost Bankers, Inc.	$158.60	12.64×	1.77×	2.78×	4.67×	33.3%	75.0%	26.4%	22.2%	14.2%	6.4%	1.6%	1.04×	-4.77×	1.13×	0.21×	3.2%	6	-0.72	3	B
CNOBConnectOne Bancorp, Inc.	$33.07	17.72×	0.84×	2.18×	18.93×	524.2%	44.2%	18.6%	13.3%	5.1%	0.6%	7.6%	0.74×	8.5×	0.39×	391.51×	2.9%	6	-0.62	3	B+
FSUNFirstSun Capital Bancorp	$39.49	10.51×	0.91×	1.84×	3.18×	29.2%	69.3%	22.0%	17.2%	8.5%	7.2%	9.9%	0.03×	-4.54×	0.83×	0.16×	0.0%	7	-0.56	3	B
OCFCOceanFirst Financial Corp.	$18.19	15.34×	0.62×	1.57×	23.77×	-131.8%	54.5%	14.1%	10.8%	4.3%	2.0%	7.7%	0.98×	14.09×	0.33×	0.13×	4.7%	6	-0.55	2	C
PEBOPeoples Bancorp Inc.	$39.02	9.91×	0.87×	1.7×	10.69×	-74.2%	67.5%	21.8%	17.3%	8.8%	5.2%	12.3%	0.61×	3.65×	0.85×	0.84×	5.5%	7	-0.48	3	B
Peer median	—	12.64×	0.87×	1.84×	10.69×	29.2%	67.5%	21.8%	17.2%	8.5%	5.2%	7.7%	0.74×	3.65×	0.83×	0.21×	3.2%	6	-0.56	3	—