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First Seacoast Bancorp, Inc (FSEA) Fair Value & Analysis

Financial Services · US · Market cap $78.7M

Price$16.91
Fair Value$7.12
Upside-57.9%
Quality95/100
Evidence: Medium Range $3.95 – $9.80

Fair value as of: Jun 26, 2026

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Analysis

First Seacoast Bancorp, Inc (FSEA) currently trades at $16.91, while our model-based Fair Value estimate is $7.12 — implying the stock looks roughly 57.9% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

About the company

First Seacoast Bancorp, Inc. operates as the holding company for First Seacoast Bank that provides banking and wealth management services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts, as well as time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family real estate loans; acquisition, development, and land loans; commercial and industrial loans; and home equity loans and lines of credit, as well as consumer loans. In addition, the company offers wealth management services, such as retirement planning, portfolio management, investment and insurance strategies, business retirement plans, and college planning services through a third-party registered broker-dealer and investment advisor. First Seacoast Bancorp, Inc. was founded in 1890 and is headquartered in Dover, New Hampshire.

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Frequently asked questions

Is First Seacoast Bancorp, Inc (FSEA) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $7.12 versus a price of $16.91 — about −58% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FSEA?
Our 21-model fair value for First Seacoast Bancorp, Inc is $7.12 (as of Jun 26, 2026), built from audited fundamentals. The current price is $16.91.
What is the quality score of FSEA?
First Seacoast Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.