Taptica International and OneSavings Bank are companies that are currently trading below what they’re actually worth. Investors can determine how much a company is worth based on how much money they are expected to make in the future, or compared to the value of their peers. The list I’ve put together below are of stocks that compare favourably on all criteria, which potentially makes them good investments if you believe the price should eventually reflect the stock’s actual value.

Taptica International Ltd (AIM:TAP)

Taptica International Ltd., together with its subsidiaries, operates a mobile advertising platform. Established in 2007, and currently headed by CEO Hagai Tal, the company employs 122 people and with the market cap of GBP £287.10M, it falls under the small-cap category.

TAP’s shares are currently floating at around -42% under its true level of $7.07, at a price tag of UK£4.09, according to my discounted cash flow model. The divergence signals an opportunity to buy TAP shares at a low price. Additionally, TAP’s PE ratio stands at 17.98x compared to its Media peer level of, 19.63x suggesting that relative to its competitors, we can buy TAP’s stock at a cheaper price today. TAP is also strong financially, as near-term assets sufficiently cover liabilities in the near future as well as in the long run. TAP has zero debt on its books as well, meaning it has no long term debt obligations to worry about. More detail on Taptica International here.

OneSavings Bank Plc (LSE:OSB)

OneSavings Bank Plc operates as a specialist lender and retail savings company in the United Kingdom and the Channel Islands. Founded in 1847, and headed by CEO Andrew Golding, the company employs 775 people and with the stock’s market cap sitting at GBP £914.94M, it comes under the small-cap category.

OSB’s stock is now trading at -53% under its real value of £8.09, at a price tag of UK£3.78, based on its expected future cash flows. This difference in price and value gives us a chance to buy low. In terms of relative valuation, OSB’s PE ratio stands at around 7.41x compared to its index peer level of, 16.69x suggesting that relative to other stocks in the industry, we can buy OSB’s stock at a cheaper price today. OSB is also a financially robust company, with current assets covering liabilities in the near term and over the long run.

Dig deeper into OneSavings Bank here.

Gattaca plc (AIM:GATC)

Gattaca plc, a human capital resources company, provides contract and permanent recruitment in the private and public sectors primarily in the United Kingdom. Founded in 1984, and run by CEO , the company now has 876 employees and has a market cap of GBP £68.86M, putting it in the small-cap group.