First Seacoast Bancorp, Inc. (FSEA) Fair Value 2026

FSEA · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.2 /10

32 fundamental signals · 2 models active

Value Trap Risk

SAFE (17/100)

Quick Summary — As of 2026-08-28, First Seacoast Bancorp, Inc. (FSEA) trades at $17.18, versus a $2.88 median fair value across its 2 active models — 83.2% below the current price. QOC: 6.2/10. Value Trap Risk: 17/100 (SAFE). 2/13 models active.

Key Facts

Ticker
FSEA
Price
$17.18
Quality Score
6.2/10
Value Trap Risk
17/100
Models Active
2/13
Last Updated
Strength: 2 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is First Seacoast Bancorp, Inc. (FSEA) Undervalued or Overvalued in 2026?

According to CirclFi’s 2-model valuation engine, First Seacoast Bancorp, Inc. (FSEA) appears overvalued as of : the median of 2 independent fair value estimates is $2.88, 83.2% below the current price of $17.18. Estimates range from $0.57 to $5.19. FSEA scores 6.2/10 on fundamental quality and 17/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. FSEA’s -83.2% gap is wider than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy First Seacoast Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give FSEA?

2 Intrinsic Value Models vs. Current Price ($17.18)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $0.57 -96.7%
Relative · Low Conviction
 $5.19 -69.8%

All Models Active

All 2 models are displayed above.

What Is First Seacoast Bancorp, Inc. (FSEA) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, First Seacoast Bancorp, Inc.'s intrinsic value is estimated at $2.88, suggesting the stock is overvalued at its current price of $17.18. With 2 out of 2 models flagging downside (-83.2% vs price), the market may be pricing in unsustainable growth.

What Do the Models Say About FSEA?

2 of 13 models are currently active for FSEA. All 2 active models suggest the stock trades above fair value. Taken together, their median fair value for FSEA is $2.88 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does FSEA Rank in Banks - Regional?

Among 352 Banks - Regional stocks, FSEA ranks #328 by Quality of Company score. CirclFi's QOC score of 6.2/10 evaluates 32 fundamental signals. A score of 6.2 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, First Seacoast Bancorp, Inc. competes in an environment where CET1 capital ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is FSEA a Value Trap?

CirclFi's Value Trap algorithm assigns FSEA a score of 17/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

2 of 13 models are active for First Seacoast Bancorp, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, First Seacoast Bancorp, Inc. is rated at 6.2/10. This solid-tier score maintains reasonable quality metrics with some areas for improvement.

Models cluster within a tight range (+26.9% spread), increasing conviction. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every FSEA valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across FSEA's 2 active models, average confidence is 25%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy First Seacoast Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

FLGFlagstar Bank, National AssociationQOC 6.4AVBCAvidia Bancorp, Inc.QOC 6.2AVALGrupo Aval Acciones y Valores S.A.QOC 6.4WSBKWinchester Bancorp, Inc.QOC 6.2KBKB Financial Group Inc.QOC 6.4NSTSNSTS Bancorp, Inc.QOC 6.2BWFGBankwell Financial Group, Inc.QOC 8.5FDBCFidelity D & D Bancorp, Inc.QOC 8.1BOHBank of Hawaii CorporationQOC 7.7STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: FLG · AVBC · AVAL · WSBK · KB · NSTS · BWFG · FDBC · BOH · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to FSEA?

7 companies across all industries closest to FSEA’s Quality of Company score of 6.2/10.

BFRGBullfrog AI Holdings, Inc.QOC 6.2ZYBTZhengye Biotechnology Holding LimitedQOC 6.2EVMNEvommune, Inc.QOC 6.2WVVIWillamette Valley Vineyards, Inc.QOC 6.2PURRHyperliquid Strategies Inc.QOC 6.2RHEPRegional Health Properties, Inc.QOC 6.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: BFRG · ZYBT · EVMN · WVVI · PURR · RHEP · NVDA

Where Does FSEA Sit in CirclFi's Banks - Regional Rankings?

FSEA is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About First Seacoast Bancorp, Inc.’s Valuation?

What is First Seacoast Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts First Seacoast Bancorp, Inc. (FSEA)'s intrinsic value at $2.88 — the median of 2 independent model estimates as of 2026-08-28, ranging from $0.57 to $5.19. The Quality of Company score is 6.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is FSEA overvalued or undervalued right now?

At $17.18, 0 of 2 active models suggest FSEA may be undervalued, while 2 indicate potential overvaluation. The median of all 2 fair value estimates is $2.88, 83.2% below the current price of $17.18 — a consensus view that FSEA is overvalued. The assessment depends on which methodology best fits First Seacoast Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 6.2 mean for FSEA?

First Seacoast Bancorp, Inc.'s QOC of 6.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on FSEA?

CirclFi analyzes FSEA with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 2 of 13 are active for this stock. Read the full methodology →

Is FSEA a value trap in 2026?

First Seacoast Bancorp, Inc.'s Value Trap score is 17/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 2-model valuation engine, First Seacoast Bancorp, Inc. (FSEA) has a median fair value of $2.88 — 83.2% below the current price of $17.18 — as of 2026-08-28.” Source: circlfi.com/stock/FSEA/ · Methodology
Primary sources for this FSEA valuation
  • Financial statements: First Seacoast Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001943802) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for FSEA as of ; valuations recomputed .