First Seacoast Bancorp, Inc. FSEA FINANCIAL
Company Overview
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.
Why Investors Should Care
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $15.26M (+16.0% YoY); net profit $-845.00K.
- Trailing 12 Months Year-on-year growth — revenue +8.2%.
- 5-Year Trend Long-term compounding — revenue CAGR -0.7%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | -0.67% |
| 1 Year: | 8.20% |
Stock Price Performance
| 1 Year: | +49.79% |
| 6 Months: | +33.65% |
| 3 Months: | +2.25% |
| 1 Month: | +0.46% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)70.81 · Overbought
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Revenue declined at -0.7% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | FSEA First Seacoast Bancorp, Inc. FINANCIAL | 17.19 | -859.50 | $80.87M | 0.00% | - | 0.07% | -0.67% | - |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | 3.49M | 3.83M | 3.94M | 3.99M | 3.89M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | 3.25M | 3.29M | 3.45M | 3.30M | 2.95M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | -632.00K | -533.00K | -206.00K | -112.00K | -235.00K |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | -29.00K | 12.00K | -596.00K | -25.00K | 273.00K |
| Net Income | 392.00K | 180.00K | 468.00K | 464.00K | -540.00K | -911.00K | -1.15M | 2.00M | 44.00K | - | -603.00K | -545.00K | 390.00K | -87.00K | -508.00K |
| Diluted EPS | 0.08 | 0.04 | 0.10 | 0.10 | -0.12 | -0.20 | -0.24 | 0.42 | 0.01 | - | -0.14 | -0.13 | 0.08 | - | -0.12 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 15.57M | 9.31M | 13.15M | 15.26M |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 1.75M | 9.08M | 13.53M | 13.30M |
| Pretax Income | - | -1.02M | -6.71M | 14.00K | -1.48M |
| Tax Provision | - | -451.00K | 3.94M | 527.00K | -638.00K |
| Net Income | - | -565.00K | -10.66M | -513.00K | -845.00K |
| Diluted EPS | - | -0.12 | -2.29 | -0.12 | -0.23 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Total Assets | - | 487.07M | 537.42M | 571.03M | 580.78M | 599.29M |
| Total Equity | 58.86M | 60.47M | 49.34M | 66.62M | 62.05M | 63.55M |
| Total Liabilities | - | 426.61M | 488.09M | 504.42M | 518.73M | 535.75M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 973.00K | -1.92M | -2.95M | 449.00K |
| Investing Cash Flow | - | -58.07M | -39.49M | -2.51M | -9.86M |
| Financing Cash Flow | - | 58.71M | 39.22M | 6.49M | 15.72M |
| Capital Expenditure | - | -103.00K | -349.00K | -368.00K | -120.00K |
| Free Cash Flow | - | 870.00K | -2.26M | -3.32M | 329.00K |
| Net Change in Cash | - | 1.61M | -2.18M | 1.03M | 6.31M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | -3.6% | -114.4% | -3.9% | -5.5% |
| ROE % | - | -1.1% | -16.0% | -0.8% | -1.3% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Alliancebernstein L.P. | 9.85% | 463.35K | $7.95M |
| 2 | Vanguard Capital Management LLC | 3.95% | 185.88K | $3.19M |
| 3 | Yakira Capital Management, Inc. | 1.87% | 87.82K | $1.51M |
| 4 | Gabelli Funds, LLC | 1.79% | 84.30K | $1.45M |
| 5 | Gabelli & Co. Investment Advisers, Inc. | 1.52% | 71.50K | $1.23M |
| 6 | Flywheel Private Wealth LLC | 1.06% | 50.09K | $859.51K |
| 7 | RBF Capital, LLC | 0.83% | 39.05K | $670.08K |
| 8 | Renaissance Technologies, LLC | 0.79% | 36.93K | $633.75K |
| 9 | Geode Capital Management, LLC | 0.77% | 36.29K | $622.74K |
| 10 | Stifel Financial Corporation | 0.55% | 26.00K | $446.16K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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First Seacoast Shareholders Approve Merger With Cambridge Financial - The Globe and Mail
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FSEA — Frequently Asked Questions
What is the current share price of First Seacoast Bancorp, Inc. (FSEA)?
As of 2026-09-19 21:16 PDT, First Seacoast Bancorp, Inc. (FSEA) trades at $17.19 on NasdaqCM. Its 52-week range is $11.12 to $17.19.
What is the market capitalisation of FSEA?
First Seacoast Bancorp, Inc. (FSEA) has a market capitalisation of $80.87M on NasdaqCM.
What is the P/E ratio of FSEA?
FSEA trades at a trailing price-to-earnings (P/E) ratio of -859.50. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.17.
What is the return on equity (ROE) of FSEA?
FSEA has a return on equity (ROE) of 0.07%.
Is FSEA a good stock to buy?
This page provides a data-driven analysis of First Seacoast Bancorp, Inc. (FSEA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.