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First Seacoast Bancorp logo

First Seacoast Bancorp

FSEA

NASDAQFinancial ServicesBanks - Regional

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Previous close

$17.09

+$0.01 · +0.06%

Aug 21, 4:00 PM ET

FSEA company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

52

Fair Value

Momentum

54

Neutral

Sentiment

52

Mixed

Risk resilience

89

Low Risk

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Company profile

Company website

First Seacoast Bancorp serves as the parent organization for First Seacoast Bank, offering a broad spectrum of banking products and financial services to individuals and businesses. The company provides various deposit options, including both interest-bearing and non-interest-bearing checking accounts, savings accounts, money market accounts, and certificates of deposit. It also extends a wide array of lending solutions, such as residential mortgages for one to four-family homes, commercial real estate and multi-family property financing, acquisition, development, and land loans, commercial and industrial loans, home equity loans and lines of credit, and consumer loans. Additionally, First Seacoast Bancorp delivers wealth management services, which include retirement and college planning, portfolio management, investment and insurance strategy development, and business retirement plans. The company conducts its operations through a wealth management office located in Dover, New Hampshire, four full-service banking branches in Strafford County, New Hampshire, and one full-service banking branch in Rockingham County, New Hampshire. Founded in 1890, the firm's headquarters are in Dover, New Hampshire, and it operates as a subsidiary of First Seacoast Bancorp, MHC, its mutual holding company.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
James R. Brannen
Listed since
Jul 17, 2019
Employees
72

Market position

Day range

Current $17.09

52-week range

Current $17.09

Open
$17.08
Previous close
$17.08
Volume
5.27K
0.14× average
Average volume
36.89K
Average daily volume
Market cap
80.18M USD
Beta
0.09
Market reference 1
50-day average
$16.9414
+0.88% above average
200-day average
$14.1612
+20.68% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
92.78M USD
P/E (TTM)
1,780.21×
P/B (TTM)
1.15×
P/S (TTM)
3.12×
EV / EBITDA
-79.57×
Earnings yield
-1.74%
Free cash flow yield
0.68%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
62.47%
Operating margin
-2.07%
Net margin
0.17%
Return on equity
-1.33%
Return on assets
-0.14%
Return on invested capital
-0.14%

Financial health

Debt / equity
0.7×
Current ratio
3.31×
Altman Z-score
-0.46
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends107%47%-13%-73%Gross margin, FY2021: 91.79%Gross margin, FY2022: 89.91%Gross margin, FY2023: 49.61%Gross margin, FY2024: 49.56%Gross margin, FY2025: 53.73%Operating margin, FY2021: 18.36%Operating margin, FY2022: -5.87%Operating margin, FY2023: -36.49%Operating margin, FY2024: 0.05%Operating margin, FY2025: -5.16%Net margin, FY2021: 14.94%Net margin, FY2022: -3.26%Net margin, FY2023: -57.93%Net margin, FY2024: -1.92%Net margin, FY2025: -2.94%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 91.79%. Gross margin FY2022 89.91%. Gross margin FY2023 49.61%. Gross margin FY2024 49.56%. Gross margin FY2025 53.73%. Operating margin FY2021 18.36%. Operating margin FY2022 -5.87%. Operating margin FY2023 -36.49%. Operating margin FY2024 0.05%. Operating margin FY2025 -5.16%. Net margin FY2021 14.94%. Net margin FY2022 -3.26%. Net margin FY2023 -57.93%. Net margin FY2024 -1.92%. Net margin FY2025 -2.94%.

Income trends

Revenue

28.74M USD+7.70%

Operating income

−1.48M USD−1.5M USD

Net income

−845K USD-64.72%
Income trends across reported periods32.68M USD16.92M USD1.16M USD−14.6M USDRevenue, FY2021: 17.55M USDRevenue, FY2022: 17.31M USDRevenue, FY2023: 18.39M USDRevenue, FY2024: 26.69M USDRevenue, FY2025: 28.74M USDOperating income, FY2021: 3.22M USDOperating income, FY2022: −1.02M USDOperating income, FY2023: −6.71M USDOperating income, FY2024: 14K USDOperating income, FY2025: −1.48M USDNet income, FY2021: 2.62M USDNet income, FY2022: −565K USDNet income, FY2023: −10.66M USDNet income, FY2024: −513K USDNet income, FY2025: −845K USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 17.55M USD. Revenue FY2022 17.31M USD. Revenue FY2023 18.39M USD. Revenue FY2024 26.69M USD. Revenue FY2025 28.74M USD. Operating income FY2021 3.22M USD. Operating income FY2022 −1.02M USD. Operating income FY2023 −6.71M USD. Operating income FY2024 14K USD. Operating income FY2025 −1.48M USD. Net income FY2021 2.62M USD. Net income FY2022 −565K USD. Net income FY2023 −10.66M USD. Net income FY2024 −513K USD. Net income FY2025 −845K USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue28.74M USD26.69M USD18.39M USD17.31M USD17.55M USD
Cost of goods sold13.3M USD13.46M USD9.27M USD1.75M USD1.44M USD
Gross profit15.44M USD13.22M USD9.13M USD15.57M USD16.11M USD
Selling, general, and administrative11.28M USD10.4M USD10.79M USD11.75M USD8.58M USD
Operating expenses16.92M USD13.21M USD15.84M USD16.58M USD12.89M USD
Interest income26.99M USD25.2M USD20.35M USD16.49M USD15.47M USD
Interest expense13.3M USD13.53M USD9.08M USD1.75M USD1.24M USD
Depreciation and amortization317K USD384K USD486K USD522K USD561K USD
Operating income−1.48M USD14K USD−6.71M USD−1.02M USD3.22M USD
Net income−845K USD−513K USD−10.66M USD−565K USD2.62M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.05

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.12-0.04-0.19-0.35Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 0.01, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 21, 2025: actual -0.31, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual -0.14, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 8, 2025: actual -0.13, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual 0.08, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Mar 20, 2026: actual -0.05, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual -0.12, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 7, 2026: actual 0.05, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates7.69M6.41M5.13M3.85MQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 6.88M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 21, 2025: actual 6.85M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 6.74M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 8, 2025: actual 7.13M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual 7.39M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Mar 20, 2026: actual 7.3M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual 6.88M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 7, 2026: actual 4.14M USD, estimate —, surprise —, Comparison unavailable.

Corporate actions

Corporate action history

Stock split

Effective Jan 20, 2023

4,179:5,000

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ETFs holding FSEA

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
2.38M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
707.09K
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
202.52K
Weight
0.01%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%

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