U.S. Banks Undiscovered Gems With Strong Fundamentals

Southern Michigan Bancorp

Market Cap: US$111.0m

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

Franklin Financial Services

Market Cap: US$203.3m

Operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to businesses, individuals, governmental entities in Pennsylvania.

FineMark Holdings

Market Cap: US$439.2m

Operates as the bank holding company for FineMark National Bank & Trust that provides various banking and financial services to individual and corporate clients.

Sound Financial Bancorp

Market Cap: US$112.7m

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

Affinity Bancshares

Market Cap: US$116.2m

Operates as the holding company for Affinity Bank that provides various banking products and services in Georgia.

First Bancorp

Market Cap: US$278.5m

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

First Northern Community Bancorp

Market Cap: US$206.1m

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.

Oakworth Capital

Market Cap: US$164.9m

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

Morris State Bancshares

Market Cap: US$250.3m

Operates as the bank holding company for Morris Bank that provides various financial services to individuals and small businesses in Georgia.

Tri-County Financial Group

Market Cap: US$113.4m

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.

Century Next Financial

Market Cap: US$107.7m

Operates as the holding company for the Century Next Bank that provides various banking products and services in Louisiana and Arkansas.

Hingham Institution for Savings

Market Cap: US$644.0m

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

First Ottawa Bancshares

Market Cap: US$145.2m

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.

Skyline Bankshares

Market Cap: US$104.4m

Operates as the 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.

SR Bancorp

Market Cap: US$118.2m

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.

Kish Bancorp

Market Cap: US$122.3m

A diversified financial services company, provides various banking products and services primarily in central Pennsylvania and the surrounding areas.

First National Bank Alaska

Market Cap: US$886.4m

A commercial bank, provides various banking products and services for business, industry, and individual customers primarily in Alaska.

Embassy Bancorp

Market Cap: US$132.4m

Operates as the bank holding company for the Embassy Bank for the Lehigh Valley that provides various banking and related financial products and services to individual, business, and government customers in Pennsylvania.

Fidelity D & D Bancorp

Market Cap: US$252.0m

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.

River Financial

Market Cap: US$264.5m

Operates as the bank holding company for the River Bank & Trust that provides financial services to small to medium-sized businesses, organizations, entrepreneurs, and individuals in the United States.

Alpine Banks of Colorado

Market Cap: US$590.6m

Provides banking products and services to individuals and businesses.

FS Bancorp

Market Cap: US$174.8m

Operates as the holding company for Farmers State Bank that provides banking products and services to individuals and business customers in Indiana and Michigan.

Ohio Valley Banc

Market Cap: US$166.3m

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

Community Bancorp

Market Cap: US$129.6m

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.

Timberland Bancorp

Market Cap: US$256.0m

Operates as the bank holding company for Timberland Bank that provides various community banking services in Washington.

First Capital Bancshares

Market Cap: US$111.8m

Operates as a holding company for First Capital Bank that provides commercial banking services in the United States.

Calvin B. Taylor Bankshares

Market Cap: US$150.1m

Operates as the holding company for Calvin B.

Magyar Bancorp

Market Cap: US$111.2m

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.

InBankshares

Market Cap: US$139.3m

Offers a range of banking and mortgage services to individual and business customers in the United States.

Croghan Bancshares

Market Cap: US$100.4m

Operates as the holding company for the Croghan Colonial Bank, a state-chartered bank that provides a range of commercial and retail banking services to individuals and business clients in Ohio.

Citizens Bancorp Investment

Market Cap: US$180.0m

Provides various banking products and services.

QNB

Market Cap: US$131.3m

Operates as the bank holding company for QNB Bank that engages in the provision of commercial and retail banking products, and retail brokerage services in the United States.

Somerset Trust Holding

Market Cap: US$166.5m

Operates as the bank holding company for Somerset Trust Company that provides banking products and services in Pennsylvania.

Thomasville Bancshares

Market Cap: US$582.3m

Operates as the bank holding company for Thomasville National Bank that provides a range of banking services to individual and corporate customers primarily in Thomas and Glynn counties, Georgia, Leon County, Florida, and the surrounding counties.

C&F Financial

Market Cap: US$221.4m

Operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses.

Lyons Bancorp

Market Cap: US$144.5m

Operates as a financial holding company for The Lyons National Bank that provides a range of commercial and retail banking services to individual and small business customers.