FSEA Fundamental Analysis - FIRST SEACOAST BANCORP INC

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to FSEA. FSEA was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of FSEA have multiple concerns. FSEA is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

FSEA had negative earnings in the past year.

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.

In multiple years FSEA reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of FSEA (-0.42%) is worse than 93.37% of its industry peers.

Looking at the Return On Equity, with a value of -4.14%, FSEA is doing worse than 93.11% of the companies in the same industry.

		Industry Rank	Sector 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

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 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

Compared to 5 years ago, FSEA has less shares outstanding

The debt/assets ratio for FSEA has been reduced compared to a year ago.

2.2 Solvency

FSEA has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.

The Debt to Equity ratio of FSEA (0.03) is better than 84.18% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.03
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC13.31%

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 70.87% over the past year.

Looking at the last year, FSEA shows a very strong growth in Revenue. The Revenue has grown by 29.14%.

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)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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for FSEA. In the last year negative earnings were reported.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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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5. Dividend

5.1 Amount

FSEA does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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FIRST SEACOAST BANCORP INC

NASDAQ:FSEA (9/19/2025, 8:10:54 PM)

After market: 11.44 0 (0%)

11.44

-0.05 (-0.44%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-07 2025-08-07

Earnings (Next)11-06 2025-11-06

Inst Owners23.49%

Inst Owner Change-6.66%

Ins Owners6.72%

Ins Owner Change0.05%

Market Cap53.77M

Analysts0

Price TargetN/A

Short Float %0.33%

Short Ratio3

Dividend

		Industry Rank	Sector 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 Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	3.81
P/FCF	N/A
P/OCF	N/A
P/B	0.88
P/tB	0.88
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

Profitability

		Industry Rank	Sector 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

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 Turnover0.02

Health

		Industry Rank	Sector 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

WACC13.31%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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