FSEA vs FSUN

First Seacoast Bancorp, Inc. vs FirstSun Capital Bancorp — Valuation Comparison 2026

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

Quick Summary — FSUN scores higher on quality with 9.5/10 vs FSEA's 6.7/10. FSEA trades at $16.76 while FSUN trades at $35.11. Both analyzed daily using SEC EDGAR data across 13 institutional models.

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
VS

FSUN

Banks - Regional
FirstSun Capital Bancorp
Quality
9.5
out of 10
Value Trap
33
LOW
Price
$35.11
Last close
Models
11/13
Active
FSEA
2 models active
Limited to 2/13 visible models
FSUN
Quality Score 9.5/10 — top tier
Limited to 2/13 visible models

FSEA vs FSUN — Fair Value Comparison

FSEA
$0$7$13$20 Price$16.76 Bayesian …$1.78 (-89.4%) Earnings …$9.19 (-19.2%)
FSUN
$0$14$28$41 Price$35.11 Bayesian …$29.61 (-15.7%) Earnings …$24.53 (-30.1%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType FSEA Fair ValueFSEA Upside FSUN Fair ValueFSUN Upside
Bayesian DCF Intrinsic $1.78 -89.4% $29.61 -15.7%
Earnings Power Value Intrinsic $9.19 -19.2% $24.53 -30.1%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

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

FSUN scores higher with a 9.5/10 quality rating vs FSEA's 6.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do FSEA and FSUN Valuations Compare?

At $16.76, FSEA trades +89.4% above its Bayesian DCF fair value of $1.78, while FSUN at $35.11 trades +15.7% above its estimate of $29.61. FSEA shows a wider gap between price and intrinsic value.

Quality of Company: FSEA vs FSUN

FSEA earns a Quality of Company score of 6.7/10 compared to FSUN's 9.5/10. 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: FSEA vs FSUN

FSEA carries a SAFE value trap risk (12/100) while FSUN shows LOW risk (33/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.

Both in Banks - Regional

Both FSEA and FSUN 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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