Logo image of FSEA

FIRST SEACOAST BANCORP INC (FSEA) Stock Fundamental Analysis

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

11.95 USD
0 (0%)
Last: 11/25/2025, 8:00:00 PM
Fundamental Rating

2

FSEA gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. Both the profitability and financial health of FSEA have multiple concerns. FSEA does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

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.
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.
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

With a Return On Assets value of -0.42%, FSEA is not doing good in the industry: 93.80% of the companies in the same industry are doing better.
FSEA's Return On Equity of -4.14% is on the low side compared to the rest of the industry. FSEA is outperformed by 92.76% of its industry peers.
Industry RankSector Rank
ROA -0.42%
ROE -4.14%
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

The Profit Margin and Operating Margin and Gross Margin are not available for FSEA so they could not be analyzed.
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 0 -20 -40 -60 -80 -100

More info and screens

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

A Debt/Equity ratio of 0.03 indicates that FSEA is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.03, FSEA belongs to the top of the industry, outperforming 84.24% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.88%
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

More info and screens

2

3. Growth

3.1 Past

FSEA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 70.87%, which is quite impressive.
FSEA shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.14%.
FSEA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.76% yearly.
EPS 1Y (TTM)70.87%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-130.48%
Revenue 1Y (TTM)29.14%
Revenue growth 3Y-1.45%
Revenue growth 5Y3.76%
Sales Q2Q%-34.48%

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

More info and screens

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

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

FIRST SEACOAST BANCORP INC

NASDAQ:FSEA (11/25/2025, 8:00:00 PM)

11.95

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-14 2025-11-14
Earnings (Next)03-19 2026-03-19
Inst Owners23.49%
Inst Owner Change-0.08%
Ins Owners6.72%
Ins Owner Change0%
Market Cap56.16M
Revenue(TTM)14.11M
Net Income(TTM)-2.52M
Analysts0
Price TargetN/A
Short Float %0.25%
Short Ratio2.11
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 3.98
P/FCF N/A
P/OCF N/A
P/B 0.92
P/tB 0.92
EV/EBITDA N/A
EPS(TTM)-0.61
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.27
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS3
BVpS12.94
TBVpS12.94
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.42%
ROE -4.14%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
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
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-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 68.52%
Cap/Sales 1.57%
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
WACC12.88%
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)70.87%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-130.48%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)29.14%
Revenue growth 3Y-1.45%
Revenue growth 5Y3.76%
Sales Q2Q%-34.48%
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 1Y56.38%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y60.45%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST SEACOAST BANCORP INC / FSEA FAQ

What is the ChartMill fundamental rating of FIRST SEACOAST BANCORP INC (FSEA) stock?

ChartMill assigns a fundamental rating of 2 / 10 to FSEA.


What is the valuation status for FSEA stock?

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


Can you provide the profitability details for FIRST SEACOAST BANCORP INC?

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


What is the financial health of FIRST SEACOAST BANCORP INC (FSEA) stock?

The financial health rating of FIRST SEACOAST BANCORP INC (FSEA) is 3 / 10.