Exploring September 2026's Undervalued Small Caps With Insider Buying Insights
In the last week, the United States market has been flat, but it has seen a 14% increase over the past year with earnings expected to grow by 18% annually in the coming years. In this environment, identifying potentially undervalued small-cap stocks with insider buying can offer insights into promising opportunities for investors seeking to capitalize on these anticipated growth trends.
Top 10 Undervalued Small Caps With Insider Buying In The United States
| Name | PE | PS | Discount to Fair Value | Value Rating |
|---|---|---|---|---|
| Regional Management | 6.0x | 0.4x | 38.41% | ★★★★★★ |
| Cardinal Infrastructure Group | NA | 0.8x | 42.73% | ★★★★★★ |
| Enovis | NA | 0.5x | 44.26% | ★★★★★☆ |
| Surgery Partners | NA | 0.5x | 26.25% | ★★★★★☆ |
| Bank of Marin Bancorp | NA | 7.4x | 31.34% | ★★★★☆☆ |
| Bank of the James Financial Group | 10.6x | 2.4x | 28.79% | ★★★★☆☆ |
| Union Bankshares | 9.6x | 2.0x | 46.02% | ★★★★☆☆ |
| Five Star Bancorp | 14.8x | 6.4x | 46.46% | ★★★☆☆☆ |
| Citizens Community Bancorp | 16.0x | 3.5x | 11.07% | ★★★☆☆☆ |
| Orion Group Holdings | 95.8x | 0.4x | 48.94% | ★★★☆☆☆ |
Here's a peek at a few of the choices from the screener.
Citizens Financial Services (CZFS)
Simply Wall St Value Rating: ★★★★☆☆
Overview: Citizens Financial Services is a community banking institution focused on providing financial services, with operations generating $114.76 million in revenue.
Operations: The company's revenue primarily stems from its Community Banking segment, with recent figures showing $114.76 million in revenue. Operating expenses have been significant, particularly General & Administrative Expenses, which recently reached $50.61 million. The net income margin has shown variability over time, recently recorded at 35.77%.
PE: 9.3x
Citizens Financial Services, a small cap stock, recently reaffirmed its quarterly dividend at US$0.51 per share, showcasing stable cash flow. Despite being dropped from the Russell 2000 Dynamic Index in June 2026, the company demonstrated insider confidence with recent share purchases. Their net interest income for Q2 2026 increased to US$25.69 million from US$23.65 million a year ago, reflecting solid financial health despite a low allowance for bad loans at 57%.
- Click here and access our complete valuation analysis report to understand the dynamics of Citizens Financial Services.
Learn about Citizens Financial Services' historical performance.
Primis Financial (FRST)
Simply Wall St Value Rating: ★★★★★★
Overview: Primis Financial operates primarily through its subsidiaries, Primis Bank and Primis Mortgage, with a focus on banking and mortgage services, and has a market capitalization of approximately $0.32 billion.
Operations: Primis Financial generates revenue primarily through its banking and mortgage segments, with Primis Bank contributing $168.96 million and Primis Mortgage adding $51.26 million. The company has consistently reported a gross profit margin of 100%, indicating that revenue equals gross profit due to the absence of cost of goods sold data. Operating expenses, particularly general and administrative costs, represent a significant portion of expenditures, impacting net income margins which have varied over time from positive to negative values in recent periods.
PE: 7.3x
Primis Financial, a small company in the U.S., shows potential for growth with earnings projected to rise by 5.99% annually. Despite a low allowance for bad loans at 68%, recent financials reveal improved net interest income of US$33.76 million and net income of US$9.43 million for Q2 2026 compared to last year. The company's inclusion in multiple Russell indexes underscores its market presence, while insider confidence is suggested by consistent dividend payments, now at US$0.10 per share quarterly.
- Dive into the specifics of Primis Financial here with our thorough valuation report.
Evaluate Primis Financial's historical performance by accessing our past performance report.
Shore Bancshares (SHBI)
Simply Wall St Value Rating: ★★★☆☆☆
Overview: Shore Bancshares operates as a community banking organization, providing financial services primarily through its network of branches, with a market capitalization of approximately $0.28 billion.
Operations: Shore Bancshares generates revenue primarily from its community banking operations, with recent revenue reaching $230.21 million. The company has consistently reported a gross profit margin of 100%, indicating no cost of goods sold is recorded in its financials. Operating expenses, including general and administrative costs, significantly impact net income margins, which have varied over time but reached 28.75% recently.
PE: 11.6x
Shore Bancshares, a smaller player in the financial sector, shows potential for value with its recent net income increase to US$18.87 million in Q2 2026 from US$15.51 million a year ago. Despite being dropped from several Russell indexes in June 2026, insider confidence is evident with share repurchases totaling US$0.89 million between May and June 2026. The company maintains an allowance for bad loans at 91%, indicating room for improvement but also careful management of risks.
- Click to explore a detailed breakdown of our findings in Shore Bancshares' valuation report.
Understand Shore Bancshares' track record by examining our Past report.
Summing It All Up
- Click here to access our complete index of 65 Undervalued US Small Caps With Insider Buying.
- Are these companies part of your investment strategy? Use Simply Wall St to consolidate your holdings into a portfolio and gain insights with our comprehensive analysis tools.
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Ready For A Different Approach?
- 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.
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