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FIRST SEACOAST BANCORP INC (FSEA) Stock Fundamental Analysis

NASDAQ:FSEA - Nasdaq - US33631F1049 - Common Stock - Currency: USD

11.35  +0.04 (+0.35%)

Fundamental Rating

2

FSEA gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 394 industry peers in the Banks industry. FSEA has a bad profitability rating. Also its financial health evaluation is rather negative. FSEA has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year FSEA has reported negative net income.
In the past year FSEA has reported a negative cash flow from operations.
In multiple years FSEA reported negative net income over the last 5 years.
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 0 -5M -10M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.01%, FSEA is doing worse than 90.61% of the companies in the same industry.
With a Return On Equity value of 0.06%, FSEA is not doing good in the industry: 90.61% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.01%
ROE 0.06%
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
FSEA Yearly ROA, ROE, ROICFSEA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 -5 -10 -15

1.3 Margins

FSEA's Profit Margin of 0.22% is on the low side compared to the rest of the industry. FSEA is outperformed by 90.61% of its industry peers.
FSEA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 0.22%
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 0 -20 -40 -60 -80 -100

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3

2. Health

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.
FSEA has less shares outstanding than it did 5 years ago.
FSEA has a better debt/assets ratio than last year.
FSEA Yearly Shares OutstandingFSEA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 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 100M 200M 300M 400M 500M

2.2 Solvency

FSEA has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of FSEA (0.02) is better than 85.03% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.32%
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 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 5M 10M 15M 20M

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 97.63% over the past year.
Looking at the last year, FSEA shows a very strong growth in Revenue. The Revenue has grown by 93.67%.
FSEA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.76% yearly.
EPS 1Y (TTM)97.63%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%42.51%
Revenue 1Y (TTM)93.67%
Revenue growth 3Y-1.45%
Revenue growth 5Y3.76%
Sales Q2Q%10.66%

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 5M 10M 15M

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0

4. Valuation

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

Industry RankSector Rank
P/FCF N/A
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

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0

5. Dividend

5.1 Amount

FSEA does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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FIRST SEACOAST BANCORP INC

NASDAQ:FSEA (7/18/2025, 8:00:01 PM)

11.35

+0.04 (+0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-09 2025-05-09
Earnings (Next)08-07 2025-08-07
Inst Owners25.08%
Inst Owner Change0%
Ins Owners6.68%
Ins Owner Change0.01%
Market Cap53.57M
Analysts0
Price TargetN/A
Short Float %0.4%
Short Ratio1.31
Dividend
Industry RankSector Rank
Dividend Yield N/A
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 3.32
P/FCF N/A
P/OCF N/A
P/B 0.87
P/tB 0.87
EV/EBITDA N/A
EPS(TTM)-0.06
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.57
FCFYN/A
OCF(TTM)-0.49
OCFYN/A
SpS3.42
BVpS12.97
TBVpS12.97
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.01%
ROE 0.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 0.22%
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 110.23%
Cap/Sales 2.4%
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-Score5
WACC13.32%
ROIC/WACCN/A
Cap/Depr(3y)62.29%
Cap/Depr(5y)49.84%
Cap/Sales(3y)2.21%
Cap/Sales(5y)1.81%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)97.63%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%42.51%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)93.67%
Revenue growth 3Y-1.45%
Revenue growth 5Y3.76%
Sales Q2Q%10.66%
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 1Y-892.06%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-590.43%
OCF growth 3YN/A
OCF growth 5YN/A