In September 2025, the United States stock market is experiencing a remarkable upswing, with major indices like the Dow Jones, S&P 500, and Nasdaq reaching record highs driven by surging technology stocks. Amidst this bullish sentiment and favorable economic conditions following a recent Federal Reserve rate cut, identifying lesser-known small-cap stocks that show potential for growth becomes an intriguing pursuit for investors.
Top 10 Undiscovered Gems With Strong Fundamentals In The United States
| Name | Debt To Equity | Revenue Growth | Earnings Growth | Health Rating |
|---|---|---|---|---|
| Morris State Bancshares | NA | 3.34% | 3.70% | ★★★★★★ |
| Senstar Technologies | NA | -18.50% | 29.50% | ★★★★★★ |
| Oakworth Capital | 87.50% | 15.82% | 9.79% | ★★★★★★ |
| SUI Group Holdings | NA | 16.40% | -30.66% | ★★★★★★ |
| First Northern Community Bancorp | NA | 8.05% | 12.27% | ★★★★★★ |
| FRMO | 0.10% | 42.87% | 47.51% | ★★★★★☆ |
| Rich Sparkle Holdings | 26.73% | -6.13% | 1.75% | ★★★★★☆ |
| Gulf Island Fabrication | 20.48% | 3.25% | 43.31% | ★★★★★☆ |
| Greenfire Resources | 35.48% | -1.31% | -25.79% | ★★★★☆☆ |
| Solesence | 91.26% | 23.30% | 4.70% | ★★★★☆☆ |
Below we spotlight a couple of our favorites from our exclusive screener.
Jiayin Group (JFIN)
Simply Wall St Value Rating: ★★★★★★
Overview: Jiayin Group Inc., along with its subsidiaries, provides online consumer finance services in the People's Republic of China and has a market capitalization of approximately $582.26 million.
Operations: Jiayin Group generates revenue from its online consumer finance services, with reported revenues of CN¥6.51 billion. The company's financial performance includes a focus on managing costs to optimize profitability.
Jiayin Group, a smaller player in the finance sector, presents an intriguing profile with its debt-free status and impressive earnings growth of 33.3% over the past year, outpacing the Consumer Finance industry's 33.1%. The company is trading at 75.8% below its estimated fair value, suggesting potential undervaluation. Recent financials show net income for Q2 at CNY 519 million compared to CNY 238 million last year, reflecting strong performance. Additionally, Jiayin has repurchased shares worth $13.61 million in 2025 alone and declared dividends totaling approximately US$41.1 million, showcasing shareholder-friendly initiatives amidst robust profitability and high-quality earnings.
- Take a closer look at Jiayin Group's potential here in our health report.
Gain insights into Jiayin Group's past trends and performance with our Past report.
Waterstone Financial (WSBF)
Simply Wall St Value Rating: ★★★★★★
Overview: Waterstone Financial, Inc. is a bank holding company for WaterStone Bank SSB, offering a range of financial services in southeastern Wisconsin, with a market cap of $282.17 million.
Operations: Waterstone Financial generates revenue primarily through its Mortgage Banking segment, which contributes $76.64 million, and its Community Banking segment, adding $57.54 million. The company's net profit margin is a key indicator to consider when evaluating its financial performance.
Waterstone Financial, with total assets of US$2.3 billion and equity of US$341.5 million, showcases stability through its sufficient allowance for bad loans at 0.5% of total loans and a net interest margin of 2.2%. The company repurchased 507,502 shares for US$6.5 million in the latest tranche, completing a significant buyback program representing 15.91% of shares for US$39 million since May 2023. Earnings surged by 73% over the past year, outpacing industry growth significantly while maintaining primarily low-risk funding sources with customer deposits making up most liabilities at 72%.
Crawford (CRD.B)
Simply Wall St Value Rating: ★★★★★☆
Overview: Crawford & Company offers claims management and outsourcing solutions across multiple regions including the United States, the United Kingdom, Europe, Canada, Australia, Asia, and Latin America with a market capitalization of approximately $507.83 million.
Operations: Crawford's revenue streams are primarily derived from four segments: Broadspire ($393.69 million), Platform Solutions ($169.70 million), International Operations ($431.70 million), and North America Loss Adjusting ($316.58 million).
Crawford, a notable player in the insurance sector, has shown resilience with its earnings growing by 29.3% over the past year, outpacing the industry average of 6%. The company’s strategic focus on insurtech solutions is expected to enhance operational efficiency and profitability. Despite a high net debt to equity ratio of 95.2%, Crawford's interest payments are well-covered by EBIT at 3.7 times coverage. Recent financials reveal revenue for Q2 at US$334.6 million and net income at US$7.78 million, slightly down from last year’s figures but still indicating robust performance amidst challenges like rising corporate costs and weather-related revenue declines.
Key Takeaways
- Click here to access our complete index of 282 US Undiscovered Gems With Strong Fundamentals.
- Already own these companies? Link your portfolio to Simply Wall St and get alerts on any new warning signs to your stocks.
- Streamline your investment strategy with Simply Wall St's app for free and benefit from extensive research on stocks across all corners of the world.
Ready To Venture Into Other Investment Styles?
- 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.
Valuation is complex, but we're here to simplify it.
Discover if Crawford might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.
Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com