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)
TOWNthis companyTowneBank	$36.93	15.03×	1.06×	2.54×	10.69×	-52.8%	69.6%	20.9%	16.8%	7.0%	2.7%	8.3%	0.15×	0.47×	0.74×	0.1×	3.1%	7	0.32	4	A-
CBUCommunity Bank System, Inc.	$65.75	14.43×	1.51×	2.99×	11.36×	21.6%	78.8%	27.2%	20.8%	10.5%	1.2%	7.7%	0.37×	1.46×	1.43×	1.49×	3.2%	9	0.26	3	B+
CVBFCVB Financial Corp.	$22.97	12.24×	1.1×	3.93×	11.51×	-9.2%	79.9%	43.8%	32.5%	9.1%	5.1%	8.6%	0.43×	2.98×	2.12×	0.01×	4.4%	7	-0.31	3	B
NBTBNBT Bancorp Inc.	$53.66	12.43×	1.03×	2.25×	8.29×	39.1%	72.1%	25.3%	19.5%	8.9%	1.1%	11.2%	0.17×	0.56×	1.05×	1.6×	3.7%	8	0.23	4	A-
OZKBank OZK	$51.46	7.41×	0.83×	1.81×	5.23×	92.3%	55.4%	33.3%	25.5%	11.7%	-93.4%	14.4%	0.08×	0.44×	0.87×	0.8×	4.2%	6	0.36	4	A
PFSProvident Financial Services, Inc.	$23.38	8.86×	0.91×	1.86×	10.31×	178.0%	62.7%	29.5%	21.1%	10.3%	-1.9%	16.7%	0.89×	4.87×	0.8×	0.18×	4.9%	5	0.27	3	B
Peer median	—	12.24×	1.03×	2.25×	10.31×	39.1%	72.1%	29.5%	21.1%	10.3%	1.1%	11.2%	0.37×	1.46×	1.05×	0.8×	4.2%	7	0.26	3	—