FRST vs FSEA

Primis Financial Corp. vs First Seacoast Bancorp, Inc. — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — FRST scores higher on quality with 8.2/10 vs FSEA's 6.7/10. FRST trades at $14.89 while FSEA trades at $16.76. Both analyzed daily using SEC EDGAR data across 13 institutional models.

FRST

Banks - Regional
Primis Financial Corp.
Quality
8.2
out of 10
Value Trap
12
SAFE
Price
$14.89
Last close
Models
11/13
Active
VS

FSEA

Banks - Regional
First Seacoast Bancorp, Inc.
Quality
6.7
out of 10
Value Trap
12
SAFE
Price
$16.76
Last close
Models
10/13
Active
FRST
Quality Score 8.2/10 — top tier
Limited to 2/13 visible models
FSEA
2 models active
Limited to 2/13 visible models

FRST vs FSEA — Fair Value Comparison

FRST
$0$6$12$18 Price$14.89 Bayesian …$3.96 (-73.4%) Earnings …$14.00 (-6.0%)
FSEA
$0$7$13$20 Price$16.76 Bayesian …$1.78 (-89.4%) Earnings …$9.19 (-19.2%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType FRST Fair ValueFRST Upside FSEA Fair ValueFSEA Upside
Bayesian DCF Intrinsic $3.96 -73.4% $1.78 -89.4%
Earnings Power Value Intrinsic $14.00 -6.0% $9.19 -19.2%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

FRST vs FSEA — Which Stock Is More Undervalued in 2026?

FRST scores higher with a 8.2/10 quality rating vs FSEA's 6.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do FRST and FSEA Valuations Compare?

At $14.89, FRST trades +73.4% above its Bayesian DCF fair value of $3.96, while FSEA at $16.76 trades +89.4% above its estimate of $1.78. FSEA shows a wider gap between price and intrinsic value.

Quality of Company: FRST vs FSEA

FRST earns a Quality of Company score of 8.2/10 compared to FSEA's 6.7/10. This moderate difference suggests one company has an edge in fundamental quality, though both may offer investment merit depending on valuation. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: FRST vs FSEA

FRST carries a SAFE value trap risk (12/100) while FSEA shows SAFE risk (12/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.

Both in Banks - Regional

Both FRST and FSEA 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).

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