FSEA vs FULTP

First Seacoast Bancorp, Inc. vs Fulton Financial Corporation - — Valuation Comparison 2026

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

Quick Summary — FULTP scores higher on quality with 8.8/10 vs FSEA's 6.7/10. FSEA trades at $16.76 while FULTP trades at $18.49. 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

FULTP

Banks - Regional
Fulton Financial Corporation -
Quality
8.8
out of 10
Value Trap
12
SAFE
Price
$18.49
Last close
Models
12/13
Active
FSEA
2 models active
Limited to 2/13 visible models
FULTP
Quality Score 8.8/10 — top tier
Limited to 2/13 visible models

FSEA vs FULTP — Fair Value Comparison

FSEA
$0$7$13$20 Price$16.76 Bayesian …$1.78 (-89.4%) Earnings …$9.19 (-19.2%)
FULTP
$0$7$15$22 Price$18.49 Bayesian …$9.40 (-49.2%) Earnings …$16.74 (-9.5%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType FSEA Fair ValueFSEA Upside FULTP Fair ValueFULTP Upside
Bayesian DCF Intrinsic $1.78 -89.4% $9.40 -49.2%
Earnings Power Value Intrinsic $9.19 -19.2% $16.74 -9.5%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

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

FULTP scores higher with a 8.8/10 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 FULTP Valuations Compare?

At $16.76, FSEA trades +89.4% above its Bayesian DCF fair value of $1.78, while FULTP at $18.49 trades +49.2% above its estimate of $9.40. FSEA shows a wider gap between price and intrinsic value.

Quality of Company: FSEA vs FULTP

FSEA earns a Quality of Company score of 6.7/10 compared to FULTP's 8.8/10. 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 FULTP

FSEA carries a SAFE value trap risk (12/100) while FULTP 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 FSEA and FULTP 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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