Quick Summary — FSBC scores higher on quality with 8.8/10 vs FRME's 8.4/10. FRME trades at $40.15 while FSBC trades at $42.82. Both analyzed daily using SEC EDGAR data across 13 institutional models.
FSBC scores higher with a 8.8/10 quality rating vs FRME's 8.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.
At $40.15, FRME trades +42.2% above its Bayesian DCF fair value of $23.19, while FSBC at $42.82 trades +8.1% below its estimate of $46.30. FRME shows a wider gap between price and intrinsic value.
FRME earns a Quality of Company score of 8.4/10 compared to FSBC's 8.8/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.
FRME carries a SAFE value trap risk (20/100) while FSBC shows SAFE risk (20/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.
Both FRME and FSBC operate in Banks - Regional, which has 329 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).
11 hidden models compare FRME vs FSBC differently — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more. Some may disagree with the 2 you see above.
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