The United States market has shown robust performance, climbing 4.9% over the last week and 21% in the past year, with earnings projected to grow by 17% annually in the coming years. In this dynamic environment, identifying small-cap stocks that are undervalued with insider activity can offer intriguing opportunities for investors looking to capitalize on potential growth.

Top 10 Undervalued Small Caps With Insider Buying In The United States

Name	PE	PS	Discount to Fair Value	Value Rating
Industrial Logistics Properties Trust	NA	1.3x	43.78%	★★★★★☆
Kingstone Companies	9.5x	1.3x	35.13%	★★★★☆☆
Similarweb	NA	2.2x	16.50%	★★★★☆☆
Onterris	186.6x	1.0x	21.50%	★★★★☆☆
AVITA Medical	NA	2.0x	5.29%	★★★★☆☆
Auburn National Bancorporation	10.9x	2.7x	12.10%	★★★☆☆☆
Union Bankshares	9.0x	1.9x	16.46%	★★★☆☆☆
Bank of the James Financial Group	10.7x	2.4x	28.34%	★★★☆☆☆
Shore Bancshares	12.4x	3.6x	32.97%	★★★☆☆☆
Angel Oak Mortgage REIT	12.3x	6.2x	18.83%	★★★☆☆☆

We'll examine a selection from our screener results.

Tompkins Financial (TMP)

Simply Wall St Value Rating: ★★★☆☆☆

Overview: Tompkins Financial is a financial services company primarily engaged in banking and wealth management, with a market cap of approximately $1.04 billion.

Operations: Tompkins Financial's primary revenue streams are from its banking and wealth management segments, with the banking segment contributing significantly more to overall revenue. The company consistently achieves a gross profit margin of 100%, indicating that it incurs no cost of goods sold. Operating expenses are primarily driven by general and administrative costs, which constitute a major portion of total expenses. Net income margin has shown variability over time, reflecting changes in net income relative to revenue fluctuations.

PE: 8.3x

Tompkins Financial, a smaller U.S. financial institution, recently demonstrated insider confidence with share purchases in the second quarter of 2026. Despite being dropped from the Russell 2000 Index in June, their net interest income rose to US$73.98 million for Q2 2026 from US$60.13 million a year prior, indicating strong operational performance amidst challenges like increased net charge-offs of US$1.6 million this quarter. A dividend increase and ongoing buyback efforts further highlight shareholder value initiatives despite earnings forecasts showing potential declines ahead.

Chain Bridge Bancorp (CBNA)

Simply Wall St Value Rating: ★★★★☆☆

Overview: Chain Bridge Bancorp operates primarily in the banking sector, offering a range of financial services, with a focus on traditional banking activities, and has a market capitalization of $0.02 billion.

Operations: CBNA generates its revenue primarily from banking activities, with recent figures showing a revenue of $65.71 million. The company consistently reports a gross profit margin of 100%, indicating no cost of goods sold is recorded against its revenues. Operating expenses are significant, with general and administrative expenses being the largest component, amounting to $28.01 million in the latest period. Net income margin has shown variability over time, reaching 40.52% in the most recent data point provided.

PE: 11.8x

Chain Bridge Bancorp's recent performance highlights its potential as an undervalued investment. Net interest income surged to US$17.05 million in Q2 2026 from US$11.79 million the previous year, while net income more than doubled to US$9.51 million. Over six months, net interest income reached US$32 million, up from US$25.64 million last year, with insiders showing confidence through recent share purchases this quarter. Earnings are projected to grow annually by 10%.

Kronos Worldwide (KRO)

Simply Wall St Value Rating: ★★★☆☆☆

Overview: Kronos Worldwide is a company engaged in the production and sale of titanium dioxide pigments, with a market capitalization of approximately $1.36 billion.

Operations: The company's revenue primarily stems from the production and sale of titanium dioxide pigments, totaling $1.88 billion. Over recent periods, there has been a notable decline in gross profit margin, reaching 10.29% as of March 31, 2026. Operating expenses have consistently impacted profitability, with general and administrative expenses being a significant component.

PE: -5.4x

Kronos Worldwide, a smaller company in the U.S., recently experienced some turbulence, including its drop from several Russell 2000 indices on June 27, 2026. Despite these challenges, insider confidence is evident with Bart Reichert purchasing 20,000 shares for US$99,200. However, financial health raises concerns as earnings have declined over the past five years and debt coverage by operating cash flow remains weak. The upcoming Q2 earnings release on August 5 could provide further insights into its potential trajectory.

Turning Ideas Into Actions

• Explore the 58 names from our Undervalued US Small Caps With Insider Buying screener here.
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Want To Explore Some Alternatives?

• 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.