The United States market has remained flat over the last week but is up 26% over the past year with earnings forecasted to grow by 16% annually. In this context, identifying stocks that are potentially undervalued and exhibit insider buying can provide investors with opportunities to capitalize on promising growth prospects within the small-cap sector.
Top 10 Undervalued Small Caps With Insider Buying In The United States
| Name |
PE |
PS |
Discount to Fair Value |
Value Rating |
|---|---|---|---|---|
| Financial Institutions |
9.3x |
3.0x |
29.43% |
★★★★★☆ |
| Ferroglobe |
NA |
0.6x |
24.63% |
★★★★★☆ |
| Appian |
2038.1x |
2.4x |
29.17% |
★★★★★☆ |
| AVITA Medical |
NA |
1.9x |
48.02% |
★★★★★☆ |
| First Bancorp |
9.1x |
3.4x |
30.45% |
★★★★☆☆ |
| NameSilo Technologies |
410.2x |
1.9x |
44.26% |
★★★★☆☆ |
| Similarweb |
NA |
1.3x |
33.80% |
★★★★☆☆ |
| German American Bancorp |
12.1x |
4.4x |
44.27% |
★★★☆☆☆ |
| Bank of Marin Bancorp |
NA |
11.7x |
34.52% |
★★★☆☆☆ |
| Bank of the James Financial Group |
9.5x |
2.1x |
40.54% |
★★★☆☆☆ |
We're going to check out a few of the best picks from our screener tool.
Burke & Herbert Financial Services
Simply Wall St Value Rating:★★★☆☆☆
Overview:Burke & Herbert Financial Services operates primarily in the community banking sector with a market capitalization of $0.46 billion.
Operations:BHRB's revenue primarily comes from community banking, with recent figures reaching $340.90 million. The company's operating expenses have fluctuated over time, impacting net income margins which varied significantly, such as 0.3142% in mid-2015 and 0.3419% by early 2026. General and administrative expenses form a substantial portion of the costs, often exceeding $130 million in recent periods.
PE:11.0x
Burke & Herbert Financial Services, a smaller player in the financial sector, is navigating through leadership changes with Carl Lundblad stepping in as Chief Operating Officer. Insider confidence is evident with recent insider share purchases. The company has reported stable earnings for Q1 2026, with net income at US$27.35 million and consistent dividends of US$0.55 per share declared for June 2026. Despite challenges like low bad loan allowances and past shareholder dilution, earnings are projected to grow annually by 24.66%.
PCB Bancorp
Simply Wall St Value Rating:★★★★☆☆
Overview:PCB Bancorp operates as a bank holding company providing a range of financial services primarily to small and medium-sized businesses, with a market capitalization of approximately $0.17 billion.
Operations:PCB Bancorp generates its revenue primarily from the banking industry, with a recent figure of $116.14 million. The company consistently reports a gross profit margin of 100%, indicating that all reported revenues translate directly into gross profit. Operating expenses are significant, with general and administrative expenses being the largest component, recently amounting to $51.37 million. The net income margin has shown variability over time, most recently recorded at 34.21%.
PE:8.8x
PCB Bancorp, a smaller player in the financial sector, shows signs of being undervalued. Their recent performance highlights a net income increase to US$10.65 million for Q1 2026 from US$7.74 million last year, driven by net interest income growth to US$26.81 million from US$24.28 million. Insider confidence is apparent with Sang Lee purchasing 18,200 shares worth approximately US$390K between January and March 2026. Additionally, the company completed a share buyback of over half a million shares since August 2023 for about US$9.5 million, indicating strategic financial management aimed at enhancing shareholder value amidst forecasted earnings growth of 5.2% annually.
-
Take a closer look at PCB Bancorp's potential here in our valuation report.
-
Examine PCB Bancorp's past performance report to understand how it has performed in the past.
Tompkins Financial
Simply Wall St Value Rating:★★★★☆☆
Overview:Tompkins Financial is a financial services company primarily engaged in banking and wealth management, with a market capitalization of $1.03 billion.
Operations:Tompkins Financial generates revenue primarily from its Banking segment, with additional contributions from Wealth Management. The company's net income margin has shown variability, reaching a high of 37.02% in late 2025 and a low of 3.29% in early 2024. Operating expenses are predominantly driven by General & Administrative costs, which have consistently been the largest expense component over recent periods.
PE:7.4x
Tompkins Financial, a relatively small player in the financial sector, has shown promising signs with a net interest income of US$71.86 million for Q1 2026, up from US$56.66 million the previous year. Insider confidence is evident as executives bought shares recently. The company repurchased 23,731 shares for US$1.8 million by March 31, 2026. However, future earnings are projected to decline by an average of 20.2% annually over the next three years, suggesting caution for investors seeking growth opportunities in this space.
-
Dive into the specifics of Tompkins Financial here with our thorough valuation report.
-
Explore historical data to track Tompkins Financial's performance over time in our Past section.
Next Steps
-
Access the full spectrum of 73 Undervalued US Small Caps With Insider Buying by clicking on this link.
-
Have a stake in these businesses? Integrate your holdings into Simply Wall St's portfolio for notifications and detailed stock reports.
-
Join a community of smart investors by using Simply Wall St. It's free and delivers expert-level analysis on worldwide markets.
Interested In Other Possibilities?
-
Explore high-performing small cap companies that haven't yet garnered significant analyst attention.
-
Fuel your portfolio with companies showing strong growth potential, backed by optimistic outlooks both from analysts and management .
-
Find companies with promising cash flow potential yet trading below their fair value .
This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
Companies discussed in this article include BHRB PCB and TMP.
Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com
