FIRST SEACOAST BANCORP INC (FSEA) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:FSEA - US33631F1049 - Common Stock

13.11 USD

+0.11 (+0.85%)

Last: 1/29/2026, 8:20:15 PM

Fundamental Rating

Overall FSEA gets a fundamental rating of 2 out of 10. We evaluated FSEA against 383 industry peers in the Banks industry. FSEA may be in some trouble as it scores bad on both profitability and health. FSEA does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

FSEA had negative earnings in the past year.
FSEA had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: FSEA reported negative net income in multiple years.
The reported operating cash flow has been mixed in the past 5 years: FSEA reported negative operating cash flow in multiple years.

1.2 Ratios

Looking at the Return On Assets, with a value of -0.36%, FSEA is doing worse than 92.17% of the companies in the same industry.
FSEA has a worse Return On Equity (-3.43%) than 92.17% of its industry peers.

		Industry Rank	Sector Rank
ROA	-0.36%
ROE	-3.43%
ROIC	N/A

ROA(3y)-0.69%

ROA(5y)-0.26%

ROE(3y)-5.99%

ROE(5y)-2.36%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for FSEA so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FSEA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FSEA has less shares outstanding
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.

2.2 Solvency

A Debt/Equity ratio of 0.02 indicates that FSEA is not too dependend on debt financing.
FSEA's Debt to Equity ratio of 0.02 is amongst the best of the industry. FSEA outperforms 85.64% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC12.78%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 71.58% over the past year.
FSEA shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.53%.
Measured over the past years, FSEA shows a small growth in Revenue. The Revenue has been growing by 3.76% on average per year.

EPS 1Y (TTM)71.58%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%734%

Revenue 1Y (TTM)29.53%

Revenue growth 3Y-1.45%

Revenue growth 5Y3.76%

Sales Q2Q%19.13%

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.