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AAME vs FSEA

AAME
Atlantic American Corporation
NEUTRAL
Price
$2.77
Market Cap
$56.5M
Sector
Financial Services
AI Confidence
65%
FSEA
First Seacoast Bancorp, Inc.
BEARISH
Price
$12.75
Market Cap
$59.9M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AAME
12.04
FSEA
--
Forward P/E
AAME
--
FSEA
--
P/B Ratio
AAME
0.52
FSEA
0.87
P/S Ratio
AAME
0.27
FSEA
3.88
EV/EBITDA
AAME
6.44
FSEA
--

Profitability

Gross Margin
AAME
12.51%
FSEA
0.0%
Operating Margin
AAME
2.88%
FSEA
-0.27%
Profit Margin
AAME
2.45%
FSEA
-5.47%
ROE
AAME
4.75%
FSEA
-1.35%
ROA
AAME
1.49%
FSEA
-0.14%

Growth

Revenue Growth
AAME
20.8%
FSEA
20.2%
Earnings Growth
AAME
--
FSEA
--

Financial Health

Debt/Equity
AAME
0.39
FSEA
--
Current Ratio
AAME
1.5
FSEA
--
Quick Ratio
AAME
1.16
FSEA
--

Dividends

Dividend Yield
AAME
0.72%
FSEA
--
Payout Ratio
AAME
8.7%
FSEA
0.0%

AI Verdict

AAME NEUTRAL

AAME's Piotroski F-Score of 4/9 indicates weak financial health, signaling potential operational inefficiencies and limited profitability sustainability. The absence of an Altman Z-Score raises concern about default risk, particularly given the company's small size and high leverage relative to peers. While the stock trades at a significant discount to its Graham Number ($5.27) and intrinsic value ($1.61), suggesting undervaluation, this is offset by stagnant earnings growth, poor technical momentum, and lack of analyst coverage. The 20.8% revenue growth is encouraging but unconfirmed by earnings data, and the 1Y return of +100.9% may reflect speculative momentum rather than fundamentals.

Strengths
Trading at a deep discount to Graham Number ($5.27) and intrinsic value ($1.61), indicating potential undervaluation
Strong revenue growth of 20.8% YoY, suggesting top-line expansion
Low Price/Book (0.52) and Price/Sales (0.27) ratios, indicating market discount
Risks
Piotroski F-Score of 4/9 indicates weak financial health and operational inefficiencies
No Altman Z-Score available; potential distress risk due to small size and lack of financial resilience
No analyst coverage or target price, indicating low institutional interest and information opacity
FSEA BEARISH

FSEA exhibits severe fundamental weakness, highlighted by a Piotroski F-Score of 2/9, indicating poor financial health and deteriorating operational efficiency. While the company shows strong top-line revenue growth of 20.20% and trades at a discount to book value (P/B 0.87), this is offset by negative profit margins (-5.47%) and negative ROE (-1.35%). The combination of a bearish technical trend, negative profitability, and weak insider sentiment suggests a high-risk profile despite the low valuation.

Strengths
Strong YoY revenue growth of 20.20%
Positive Q/Q revenue growth of 20.35%
Trading below book value (P/B 0.87)
Risks
Critical financial health failure (Piotroski F-Score 2/9)
Negative profitability (Profit Margin -5.47%)
Negative Return on Equity (-1.35%) and Return on Assets (-0.14%)

Compare Another Pair

AAME vs FSEA: Head-to-Head Comparison

This page compares Atlantic American Corporation (AAME) and First Seacoast Bancorp, Inc. (FSEA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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