Community Bankers Trust (BTC)
Community Bankers Trust is a bank holding company for Essex Bank. The Bank engages in commercial banking business and provides a range of financial services primarily to individuals and small businesses. On January 30, 2009, the Bank acquired Suburban Federal Savings Bank, Crofton, Maryland. Essex Services sells title insurance to the Bank’s mortgage loan customers. Essex Services also offers insurance products through an ownership interest in Bankers Insurance and investment products through an affiliation with VBA Investments.
Duff & Phelps (DUF)
Duff & Phelps is financial services firm with a focus on financial advisory and investment banking services. Its financial advisory segment, which offers valuation advisory and corporate finance consulting services, is at the core of Duff & Phelps' offerings and accounts for more than four fifths of its revenue. Investment banking services make up the rest.
H&R Block (HRB)
H&R Block is the leader in tax preparation with about 16% market share, offering store-based and digital tax solutions. The firm also offers several financing services to its customers, including refund-anticipation loans and lines of credit. In addition, the firm owns a sizable bank that allows it to offer various financing products to its customers. The firm participates in the business consulting market through its RSM McGladrey division.
Tejon Ranch (TRC)
Tejon Ranch owns around 270,000 acres of land north of Los Angeles. Although at one time used almost exclusively for agricultural purposes, the majority of income is now earned through transactions related to real estate. The company owns and operates an industrial complex on the land, which leases space to industrial and commercial users, as well as ranching and recreational facilities. Agricultural operations still produce significant portions of revenue, earned through the sale of fruits, vegetables and nuts to commercial buyers.
Disclosure: The author holds share in Community Bankers Trust (BTC)