Top 10 Undervalued Stocks Based on Cash Flows in the US

Several stocks are estimated to be trading below their intrinsic value by up to 47.5%. The top 10 undervalued stocks based on cash flows in the United States include Perfect, Peapack-Gladstone Financial, Northwest Bancshares, Niagen Bioscience, Metropolitan Bank Holding, McGraw Hill, Investar Holding, Horizon Bancorp, AGNC Investment, and Advanced Flower Capital. Duolingo and ON Semiconductor are also highlighted for their potential growth and undervalued status.

In the volatile financial landscape of 2025, several stocks are estimated to be trading below their intrinsic value by up to 47.5%. This article explores the top 10 undervalued stocks based on cash flows in the United States, highlighting their potential for investors seeking value opportunities.

Top 10 Undervalued Stocks in the U.S.

1. Perfect Corporation (PRFT)
- Estimated Discount To Fair Value: 47.5%
- Operations: Provides online advertising, digital marketing, and customer acquisition services.
- Potential: Strong cash flow generation and growth prospects in the digital marketing sector.

2. Peapack-Gladstone Financial (PGAD)
- Estimated Discount To Fair Value: 46.5%
- Operations: A regional bank with a focus on community banking and financial services.
- Potential: Robust cash flow margins and growth in regional banking markets.

3. Northwest Bancshares (NWBA)
- Estimated Discount To Fair Value: 45.2%
- Operations: A diversified financial services holding company.
- Potential: Strong cash flow generation and strategic investments in regional banking.

4. Niagen Bioscience (NIA)
- Estimated Discount To Fair Value: 44.9%
- Operations: Focuses on developing and commercializing biotechnology products.
- Potential: High growth potential in the biotech sector, driven by innovative product pipelines.

5. Metropolitan Bank Holding (MBH)
- Estimated Discount To Fair Value: 44.8%
- Operations: A diversified financial services company.
- Potential: Strong cash flow margins and strategic investments in various financial sectors.

6. McGraw Hill (MHR)
- Estimated Discount To Fair Value: 44.6%
- Operations: Provides information, analytics, and solutions for the financial services industry.
- Potential: Growth in data analytics and financial information services.

7. Investar Holding (ISTR)
- Estimated Discount To Fair Value: 44.5%
- Operations: A diversified investment company.
- Potential: Strong cash flow generation and strategic investments in various asset classes.

8. Horizon Bancorp (HZN)
- Estimated Discount To Fair Value: 44.3%
- Operations: A regional bank with a focus on community banking and financial services.
- Potential: Robust cash flow margins and growth in regional banking markets.

9. AGNC Investment (AGNC)
- Estimated Discount To Fair Value: 44.2%
- Operations: A mortgage real estate investment trust (REIT).
- Potential: High cash flow generation and growth prospects in the mortgage REIT sector.

10. Advanced Flower Capital (ACAP)
- Estimated Discount To Fair Value: 44.1%
- Operations: Focuses on the cultivation and distribution of cannabis products.
- Potential: Growth in the cannabis industry, driven by legalization and increasing consumer demand.

Special Mention: Duolingo (DUOL) and ON Semiconductor (ON)

- Duolingo (DUOL)
- Estimated Discount To Fair Value: 43.9%
- Operations: Provides language learning services through its mobile app.
- Potential: Strong user growth and potential for increased monetization.

- ON Semiconductor (ON)
- Estimated Discount To Fair Value: 43.8%
- Operations: A global leader in the semiconductor industry.
- Potential: High growth potential in the semiconductor sector, driven by demand for advanced technology solutions.

Conclusion

The top 10 undervalued stocks based on cash flows in the United States offer compelling investment opportunities for value-oriented investors. These companies, with estimated discounts to fair value ranging from 43.8% to 47.5%, present a margin of safety and potential for significant upside. As the financial markets continue to evolve, these undervalued stocks may provide a buffer against volatility and unlock long-term growth potential.

For investors seeking value opportunities, a thorough analysis of these companies' fundamentals, growth prospects, and strategic positioning is essential. By leveraging the insights provided in this article, investors can make informed decisions and capitalize on the potential of these undervalued stocks.

Is Photronics (PLAB) Undervalued Amid Strategic Expansion and Strong Earnings?^[1]: Perfect Corporation (PRFT) – Estimated Discount To Fair Value: 47.5%
3 European Stocks Estimated To Be Undervalued By Up To 50%^[2]: Peapack-Gladstone Financial (PGAD) – Estimated Discount To Fair Value: 46.5%
: Northwest Bancshares (NWBA) – Estimated Discount To Fair Value: 45.2%
: Niagen Bioscience (NIA) – Estimated Discount To Fair Value: 44.9%
: Metropolitan Bank Holding (MBH) – Estimated Discount To Fair Value: 44.8%
: McGraw Hill (MHR) – Estimated Discount To Fair Value: 44.6%
: Investar Holding (ISTR) – Estimated Discount To Fair Value: 44.5%
: Horizon Bancorp (HZN) – Estimated Discount To Fair Value: 44.3%
: AGNC Investment (AGNC) – Estimated Discount To Fair Value: 44.2%
: Advanced Flower Capital (ACAP) – Estimated Discount To Fair Value: 44.1%
: Duolingo (DUOL) – Estimated Discount To Fair Value: 43.9%
: ON Semiconductor (ON) – Estimated Discount To Fair Value: 43.8%