FIRST SEACOAST BANCORP INC (FSEA) Fundamental Analysis & Valuation

NASDAQ:FSEA • US33631F1049

Current stock price

11.16 USD
+0.04 (+0.31%)
Last:

This FSEA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. FSEA Profitability Analysis

1.1 Basic Checks

  • FSEA had negative earnings in the past year.
  • FSEA had a positive operating cash flow in the past year.
  • In the past 5 years FSEA reported 4 times negative net income.
  • The reported operating cash flow has been mixed in the past 5 years: FSEA reported negative operating cash flow in multiple years.
FSEA Yearly Net Income VS EBIT VS OCF VS FCFFSEA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -5M -10M

1.2 Ratios

  • With a Return On Assets value of -0.14%, FSEA is not doing good in the industry: 92.82% of the companies in the same industry are doing better.
  • FSEA's Return On Equity of -1.33% is on the low side compared to the rest of the industry. FSEA is outperformed by 92.82% of its industry peers.
Industry RankSector Rank
ROA -0.14%
ROE -1.33%
ROIC N/A
ROA(3y)-0.7%
ROA(5y)-0.33%
ROE(3y)-6.05%
ROE(5y)-3%
ROIC(3y)N/A
ROIC(5y)N/A
FSEA Yearly ROA, ROE, ROICFSEA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -5 -10 -15

1.3 Margins

  • FSEA does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FSEA Yearly Profit, Operating, Gross MarginsFSEA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -20 -40 -60 -80 -100

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3

2. FSEA Health Analysis

2.1 Basic Checks

  • FSEA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • FSEA has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for FSEA has been reduced compared to 5 years ago.
  • The debt/assets ratio for FSEA has been reduced compared to a year ago.
FSEA Yearly Shares OutstandingFSEA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 1M 2M 3M 4M 5M
FSEA Yearly Total Debt VS Total AssetsFSEA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.2 Solvency

  • FSEA has a debt to FCF ratio of 4.41. This is a neutral value as FSEA would need 4.41 years to pay back of all of its debts.
  • FSEA's Debt to FCF ratio of 4.41 is on the low side compared to the rest of the industry. FSEA is outperformed by 68.62% of its industry peers.
  • A Debt/Equity ratio of 0.02 indicates that FSEA is not too dependend on debt financing.
  • The Debt to Equity ratio of FSEA (0.02) is better than 86.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 4.41
Altman-Z N/A
ROIC/WACCN/A
WACC14.94%
FSEA Yearly LT Debt VS Equity VS FCFFSEA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FSEA Yearly Current Assets VS Current LiabilitesFSEA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2020 2022 2023 2024 2025 5M 10M 15M 20M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. FSEA Growth Analysis

3.1 Past

  • FSEA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -38.48%.
  • Looking at the last year, FSEA shows a decrease in Revenue. The Revenue has decreased by -2.29% in the last year.
  • Measured over the past years, FSEA shows a small growth in Revenue. The Revenue has been growing by 0.95% on average per year.
EPS 1Y (TTM)-38.48%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%87.05%
Revenue 1Y (TTM)-2.29%
Revenue growth 3Y-0.66%
Revenue growth 5Y0.95%
Sales Q2Q%20.56%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
FSEA Yearly Revenue VS EstimatesFSEA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M

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0

4. FSEA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for FSEA. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
FSEA Price Earnings VS Forward Price EarningsFSEA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

  • FSEA's Price/Free Cash Flow ratio is rather expensive when compared to the industry. FSEA is more expensive than 87.23% of the companies in the same industry.
Industry RankSector Rank
P/FCF 159.09
EV/EBITDA N/A
FSEA Per share dataFSEA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. FSEA Dividend Analysis

5.1 Amount

  • FSEA does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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FSEA Fundamentals: All Metrics, Ratios and Statistics

FIRST SEACOAST BANCORP INC

NASDAQ:FSEA (4/24/2026, 2:55:58 PM)

11.16

+0.04 (+0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-19
Earnings (Next)05-07
Inst Owners23.33%
Inst Owner Change4.6%
Ins Owners6.66%
Ins Owner Change-0.05%
Market Cap52.34M
Revenue(TTM)15.44M
Net Income(TTM)-845.00K
Analysts0
Price TargetN/A
Short Float %0.13%
Short Ratio1.31
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 3.39
P/FCF 159.09
P/OCF 116.57
P/B 0.82
P/tB 0.82
EV/EBITDA N/A
EPS(TTM)-0.23
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.07
FCFY0.63%
OCF(TTM)0.1
OCFY0.86%
SpS3.29
BVpS13.55
TBVpS13.55
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -0.14%
ROE -1.33%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 2.13%
ROA(3y)-0.7%
ROA(5y)-0.33%
ROE(3y)-6.05%
ROE(5y)-3%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 4.41
Debt/EBITDA N/A
Cap/Depr 37.85%
Cap/Sales 0.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC14.94%
ROIC/WACCN/A
Cap/Depr(3y)68.5%
Cap/Depr(5y)46.37%
Cap/Sales(3y)2.26%
Cap/Sales(5y)1.53%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-38.48%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%87.05%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.29%
Revenue growth 3Y-0.66%
Revenue growth 5Y0.95%
Sales Q2Q%20.56%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y109.92%
FCF growth 3Y-27.69%
FCF growth 5Y-21.45%
OCF growth 1Y115.23%
OCF growth 3Y-22.64%
OCF growth 5Y-20.57%

FIRST SEACOAST BANCORP INC / FSEA Fundamental Analysis FAQ

What is the fundamental rating for FSEA stock?

ChartMill assigns a fundamental rating of 1 / 10 to FSEA.


What is the valuation status of FIRST SEACOAST BANCORP INC (FSEA) stock?

ChartMill assigns a valuation rating of 0 / 10 to FIRST SEACOAST BANCORP INC (FSEA). This can be considered as Overvalued.


What is the profitability of FSEA stock?

FIRST SEACOAST BANCORP INC (FSEA) has a profitability rating of 1 / 10.