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)
UMBFthis companyUMB Financial Corporation	$136.32	12.5×	1.14×	1.97×	11.12×	69.0%	54.4%	20.3%	15.8%	9.1%	-1.2%	11.2%	0.49×	2.73×	0.6×	0.01×	1.6%	6	-0.32	4	A
CBSHCommerce Bancshares, Inc.	$55.98	12.83×	1.92×	3.4×	12.01×	-6.2%	80.0%	34.2%	26.5%	14.9%	4.2%	8.1%	0.79×	2.79×	1.97×	0×	2.1%	6	-0.32	3	B+
CFGCitizens Financial Group, Inc.	$65.47	14.98×	0.96×	2.26×	8.46×	397.1%	69.8%	20.9%	16.4%	7.0%	4.3%	8.1%	0.43×	-0.51×	0.61×	1.04×	3.5%	6	-0.41	3	B
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
COLBColumbia Banking System, Inc.	$31.19	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+
FBKFB Financial Corporation	$55.34	23.15×	1.52×	3.37×	14.77×	-24.8%	58.9%	15.8%	14.0%	6.3%	5.2%	5.0%	0.15×	-4.23×	0.44×	0.12×	1.3%	6	-0.52	3	B+
Peer median	—	12.83×	1.52×	2.78×	12.01×	-6.2%	69.8%	23.4%	17.1%	7.0%	4.3%	8.1%	0.51×	-0.51×	0.82×	0.21×	3.2%	6	-0.51	3	—