<div id="readability-page-1"><div><p>Over the last 7 days, the United States market has experienced a 2.7% drop, though it has risen by 23% over the past year, with earnings forecasted to grow by 17% annually. In this fluctuating environment, identifying undervalued stocks can present opportunities for investors seeking to capitalize on potential growth and favorable market estimates.</p><h3>Top 10 Undervalued Stocks Based On Cash Flows In The United States</h3><div><table><tbody><tr><td><strong>Name</strong></td><td><strong>Current Price</strong></td><td><strong>Fair Value (Est)</strong></td><td><strong>Discount (Est)</strong></td></tr><tr><td>Solstice Advanced Materials (SOLS)</td><td>$80.46</td><td>$154.84</td><td>48%</td></tr><tr><td>Reddit (RDDT)</td><td>$171.13</td><td>$329.09</td><td>48%</td></tr><tr><td>Rayonier (RYN)</td><td>$20.78</td><td>$40.79</td><td>49.1%</td></tr><tr><td>Luckin Coffee (LKNC.Y)</td><td>$30.61</td><td>$59.38</td><td>48.4%</td></tr><tr><td>Live Oak Bancshares (LOB)</td><td>$37.63</td><td>$74.21</td><td>49.3%</td></tr><tr><td>Lazard (LAZ)</td><td>$45.74</td><td>$91.21</td><td>49.9%</td></tr><tr><td>Inter &amp; Co (INTR)</td><td>$5.57</td><td>$10.88</td><td>48.8%</td></tr><tr><td>FB Financial (FBK)</td><td>$52.92</td><td>$101.61</td><td>47.9%</td></tr><tr><td>BlackSky Technology (BKSY)</td><td>$34.28</td><td>$68.23</td><td>49.8%</td></tr><tr><td>AbbVie (ABBV)</td><td>$223.07</td><td>$444.25</td><td>49.8%</td></tr></tbody></table></div><p>Click here to see the full list of 136 stocks from our Undervalued US Stocks Based On Cash Flows screener.</p><p>Let's take a closer look at a couple of our picks from the screened companies.</p><h2>Mid Penn Bancorp (MPB)</h2><p><strong>Overview:</strong> Mid Penn Bancorp, Inc. is a bank holding company for Mid Penn Bank, offering commercial banking services to a diverse range of clients in Pennsylvania and New Jersey, with a market cap of $832.83 million.</p><p><strong>Operations:</strong> The company's revenue primarily comes from providing banking and financial services to individuals, businesses, and institutional clients, amounting to $240.26 million.</p><p><strong>Estimated Discount To Fair Value:</strong> 29.0%</p><p>Mid Penn Bancorp is trading at US$32.92, significantly below its estimated future cash flow value of US$46.37, suggesting undervaluation based on cash flows. Despite a recent net income decrease to US$8.71 million from US$13.74 million year-over-year, earnings are forecasted to grow substantially at 31.54% annually, outpacing the market's growth rate. However, the company has faced shareholder dilution and reported large one-off items impacting financial results recently.</p><ul><li>In light of our recent growth report, it seems possible that Mid Penn Bancorp's financial performance will exceed current levels.</li><li>Delve into the full analysis health report here for a deeper understanding of Mid Penn Bancorp.</li></ul><figure><img height="476" src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/4318dd2d-843c-4267-963b-216839e4e37b/chart/dcf/query-dGhlbWU9bGlnaHQ?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="746" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/4318dd2d-843c-4267-963b-216839e4e37b/chart/dcf/query-dGhlbWU9bGlnaHQ"/><figcaption>MPB Discounted Cash Flow as at Jun 2026</figcaption></figure><h2>Heritage Financial (HFWA)</h2><p><strong>Overview:</strong> Heritage Financial Corporation is the bank holding company for Heritage Bank, offering a range of financial services to small and medium-sized businesses and their owners in the United States, with a market cap of $1.15 billion.</p><p><strong>Operations:</strong> The company generates revenue primarily through its commercial banking segment, which accounts for $265.58 million.</p><p><strong>Estimated Discount To Fair Value:</strong> 33.1%</p><p>Heritage Financial, trading at US$27.91, is undervalued relative to its estimated future cash flow value of US$41.7. The company reported a significant increase in net income to US$18.95 million for Q1 2026 from US$13.91 million the previous year, with earnings expected to grow significantly at 27.57% annually, surpassing market growth rates. However, recent insider selling and past shareholder dilution may raise concerns despite strong cash flow valuation metrics and improved financial performance.</p><ul><li>Our growth report here indicates Heritage Financial may be poised for an improving outlook.</li><li>Unlock comprehensive insights into our analysis of Heritage Financial stock in this financial health report.</li></ul><figure><img height="476" src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/1784a824-333b-48ae-9644-f2c5b51096cf/chart/dcf/query-dGhlbWU9bGlnaHQ?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="746" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/1784a824-333b-48ae-9644-f2c5b51096cf/chart/dcf/query-dGhlbWU9bGlnaHQ"/><figcaption>HFWA Discounted Cash Flow as at Jun 2026</figcaption></figure><h2>Colony Bankcorp (CBAN)</h2><p><strong>Overview:</strong> Colony Bankcorp, Inc. is the bank holding company for Colony Bank, offering a range of banking products and services to retail and commercial customers in the United States, with a market cap of $428.27 million.</p><p><strong>Operations:</strong> Colony Bankcorp generates its revenue through three main segments: the Banking Division ($121.34 million), Mortgage Banking Division ($7.94 million), and Small Business Specialty Lending Division ($8.05 million).</p><p><strong>Estimated Discount To Fair Value:</strong> 16.9%</p><p>Colony Bankcorp, trading at US$20.45, is undervalued with an estimated future cash flow value of US$24.61. Recent Q1 2026 results show net interest income increased to US$29.2 million from US$20.95 million a year ago, while earnings are forecast to grow 21% annually, outpacing the market's 16.8%. However, past shareholder dilution and modest undervaluation based on discounted cash flows may temper enthusiasm despite strong growth prospects and financial performance improvements.</p><ul><li>Our expertly prepared growth report on Colony Bankcorp implies its future financial outlook may be stronger than recent results.</li><li>Navigate through the intricacies of Colony Bankcorp with our comprehensive financial health report here.</li></ul><figure><img height="476" src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/63e259f7-b0e8-484f-8d34-5a8f349fc804/chart/dcf/query-dGhlbWU9bGlnaHQ?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="746" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/63e259f7-b0e8-484f-8d34-5a8f349fc804/chart/dcf/query-dGhlbWU9bGlnaHQ"/><figcaption>CBAN Discounted Cash Flow as at Jun 2026</figcaption></figure><h2>Turning Ideas Into Actions</h2><ul><li>Unlock our comprehensive list of 136 Undervalued US Stocks Based On Cash Flows by clicking here.</li><li>Have a stake in these businesses? Integrate your holdings into Simply Wall St's portfolio for notifications and detailed stock reports.</li><li>Elevate your portfolio with Simply Wall St, the ultimate app for investors seeking global market coverage.</li></ul><h2>Contemplating Other Strategies?</h2><ul><li>Explore high-performing small cap companies that haven't yet garnered significant analyst attention.</li><li>Diversify your portfolio with solid dividend payers offering reliable income streams to weather potential market turbulence.</li><li>Fuel your portfolio with companies showing strong growth potential, backed by optimistic outlooks both from analysts and management.</li></ul> <p><em> This article by Simply Wall St is general in nature. <strong>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.</strong> 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.</em></p><div><h3><strong>New: </strong>AI Stock Screener &amp; Alerts</h3><p>Our new AI Stock Screener scans the market every day to uncover opportunities.</p><div><p>• Dividend Powerhouses (3%+ Yield)<br/>• Undervalued Small Caps with Insider Buying<br/>• High growth Tech and AI Companies</p><p>Or build your own from over 50 metrics.</p></div><p>Explore Now for Free</p></div></div></div>

SOLS

CBAN

HFWA

RDDT

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<p>Simply Wall St identifies undervalued US stocks based on cash flow estimates for June 2026. Highlighted companies include Solstice Advanced Materials, Reddit, and Rayonier, trading at significant discounts to fair value. Specific analysis covers Mid Penn Bancorp, Heritage Financial, and Colony Bankcorp, noting strong earnings growth forecasts despite recent financial fluctuations or dilution concerns.</p>

Undervalued Stock Opportunities Based On Market Estimates In June 2026