U.S. Undiscovered Gems With Strong Fundamentals

Tri-County Financial Group

Market Cap: US$124.5m

Operates as a bank holding company for First State Bank, providing various banking and mortgage banking services, and insurance services to individuals and businesses in the United States.

Security Federal

Market Cap: US$106.7m

Operates as the bank holding company for Security Federal Bank that provides various banking products and services.

Oxford Bank

Market Cap: US$104.0m

Operates as the holding company for Oxford Bank that provides various banking products and services to various customers in Michigan.

Winchester Bancorp

Market Cap: US$119.4m

Operates as a bank holding company for Winchester Savings Bank that provides banking products and services in the United States.

Affinity Bancshares

Market Cap: US$135.9m

Operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States.

Bank of the James Financial Group

Market Cap: US$101.3m

Operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States.

ASA Gold and Precious Metals

Market Cap: US$1.2b

A publicly owned investment manager.

Seneca Foods

Market Cap: US$1.1b

Provides packaged fruits and vegetables in the United States and internationally.

Cashmere Valley Bank

Market Cap: US$259.0m

A state chartered bank, provides banking products and services to small and middle-market businesses, and retail customers.

Anbio Biotechnology

Market Cap: US$1.2b

Provides in vitro diagnostics (IVD) products in the European Union, the Asia Pacific, North America, South America, Africa, and internationally.

First Bancorp

Market Cap: US$329.8m

Operates as the bank holding company for First National Bank that provides a range of banking products and services to individual and corporate customers.

NameSilo Technologies

Market Cap: US$112.5m

Through its subsidiaries, provides domain name registration services in the United States, East and South Asia, South East Asia, Australasia, and internationally.

Sound Financial Bancorp

Market Cap: US$115.4m

Operates as the bank holding company for Sound Community Bank that provides banking and other financial services for consumers and businesses.

Union Bankshares

Market Cap: US$112.9m

Operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in the United States.

Southern Michigan Bancorp

Market Cap: US$118.8m

Operates as the bank holding company for Southern Michigan Bank & Trust that provides a range of commercial banking services to individuals, businesses, institutions, and government agencies primarily in the southwest and south-central Michigan communities.

Oakworth Capital

Market Cap: US$191.5m

Operates as a bank holding company for Oakworth Capital Bank that provides range of banking services in the United States.

First Northern Community Bancorp

Market Cap: US$252.4m

Operates as the bank holding company for First Northern Bank of Dixon that provides commercial banking products and services to individuals, and small and medium sized businesses.

QDM International

Market Cap: US$1.0b

Operates as an insurance brokerage company primarily in Hong Kong.

Peoples

Market Cap: US$107.7m

Operates as the holding company for PS Bank that provides various financial services to individuals, small businesses, and corporate customers in Pennsylvania, the United States.

Calvin B. Taylor Bankshares

Market Cap: US$141.0m

Operates as the holding company for Calvin B.

River Financial

Market Cap: US$390.6m

Operates as the bank holding company for River Bank & Trust that provides commercial and consumer banking services to small to medium-sized businesses, organizations, entrepreneurs, and individuals in Alabama and the Florida Panhandle.

Agencia Comercial Spirits

Market Cap: US$307.9m

Imports, procures, distributes, and sells bottled, raw cask, and proprietary brand whisky products in Taiwan and international markets.

Oil-Dri Corporation of America

Market Cap: US$1.0b

Develops, manufactures, and markets sorbent products in the United States and internationally.

First Ottawa Bancshares

Market Cap: US$180.4m

Operates as the bank holding company for American Commercial Bank & Trust, National Association that provides a range of banking and financial services to individual and corporate customers in LaSalle, Grundy, Cook, and other counties in Illinois.

First Farmers Financial

Market Cap: US$457.3m

Operates as the financial holding company for First Farmers Bank & Trust, which provides banking products and services to individuals, families, and businesses.

Magyar Bancorp

Market Cap: US$114.5m

Operates as the holding company for Magyar Bank that provides various consumer and commercial banking services to individuals, businesses, and nonprofit organizations in New Jersey, the United States.

MetroCity Bankshares

Market Cap: US$882.8m

Operates as the bank holding company for Metro City Bank that provides banking products and services in the United States.

Jiayin Group

Market Cap: US$233.8m

Engages in the provision of online consumer finance services in the People’s Republic of China.

Community Bancorp

Market Cap: US$200.3m

Operates as the bank holding company for Community National Bank that provides various financial services to individuals, businesses, nonprofit organizations, and municipalities in northern and central Vermont.

Hingham Institution for Savings

Market Cap: US$667.8m

Provides various financial services to individuals and small businesses in the United States.

AMTD Digital

Market Cap: US$524.8m

Through its subsidiaries, provides digital solutions; media and entertainment services; and hotel operations, hospitality, and very important person (VIP) services in China, Hong Kong, Europe, the Americas and Southeast Asia.

Fidelity D & D Bancorp

Market Cap: US$266.2m

Operates as the bank holding company for The Fidelity Deposit and Discount Bank that provides a range of banking, trust, and financial services to individuals, small businesses, and corporate customers.

Ohio Valley Banc

Market Cap: US$213.3m

Operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and retail banking products and services.

SR Bancorp

Market Cap: US$140.2m

Operates as the holding company for Somerset Regal Bank that provides retail and commercial banking services to individuals, businesses, and local municipalities in the communities of Essex, Hunterdon, Middlesex, Morris, Somerset, and Union counties in New Jersey.

Village Super Market

Market Cap: US$645.5m

Engages in the operation of a chain of supermarkets in the United States.

Skyline Bankshares

Market Cap: US$125.6m

Operates as the bank holding company for the Skyline National Bank that provides a range of retail and commercial banking services to individuals, and small and medium-sized businesses in the United States.