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)
UBSIthis companyUnited Bankshares, Inc.	$48.95	11.71×	0.98×	2.96×	6.39×	14.9%	65.4%	32.4%	25.5%	8.5%	6.0%	8.9%	0.17×	-2.75×	1.01×	28.21×	3.9%	6	-0.53	4	A-
AUBAtlantic Union Bankshares Corporation	$40.26	17.39×	0.91×	2.23×	15.24×	115.0%	60.3%	16.6%	13.5%	5.5%	4.1%	1.9%	0.3×	3.31×	0.51×	6.81×	4.2%	7	0.16	3	B+
COLBColumbia Banking System, Inc.	$31.13	12.1×	1.05×	2.57×	13.17×	-52.0%	67.7%	23.4%	17.1%	7.0%	0.8%	8.6%	0.51×	3.92×	0.82×	0.22×	4.1%	6	-0.51	3	B+
EBCEastern Bankshares, Inc.	$23.33	46.07×	0.91×	3.75×	23.61×	-31.5%	65.8%	9.4%	8.3%	2.0%	1.7%	10.4%	0.05×	-0.72×	0.3×	0.03×	2.7%	7	-0.49	4	A-
FNBF.N.B. Corporation	$18.33	10.89×	0.91×	2.28×	10.13×	400.7%	62.3%	24.8%	21.0%	8.4%	5.6%	6.1%	0.58×	1.9×	0.72×	1.01×	2.8%	6	0.2	3	B+
HOMBHome Bancshares, Inc.	$30.38	11.53×	1.27×	3.98×	9.11×	-31.8%	77.3%	43.8%	34.6%	11.1%	8.8%	6.9%	0.22×	0.43×	1.47×	0.13×	2.9%	7	-0.22	4	A-
Peer median	—	12.1×	0.91×	2.57×	13.17×	-31.5%	65.8%	23.4%	17.1%	7.0%	4.1%	6.9%	0.3×	1.9×	0.72×	0.22×	2.9%	7	-0.22	3	—