First Seacoast Bancorp Inc
First Seacoast Bancorp Inc provides commercial and retail banking services, including deposits, loans, and wealth management, primarily in the New England region.
Business. First Seacoast Bancorp Inc (FSEA.O) is a bank holding company operating within the Banking & Investment Services sector. The company is headquartered in the United States and is primarily listed on the NASDAQ stock exchange. As a financial institution, it generates revenue primarily through interest income. Specific details regarding operating segments or geographic breakdowns are not provided in the available data.
At a glance
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- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
First Seacoast Bancorp Inc (FSEA.O) is a bank holding company operating within the Banking & Investment Services sector. The company is headquartered in the United States and is primarily listed on the NASDAQ stock exchange. As a financial institution, it generates revenue primarily through interest income. Specific details regarding operating segments or geographic breakdowns are not provided in the available data.
First Seacoast Bancorp Inc has a market price of $16.67, resulting in a market capitalization of $78.21 million. The company's price-to-book ratio is 1.23, and its price-to-tangible-book ratio is also 1.23, indicating that the market values the company slightly above its book value. The enterprise value to revenue ratio is 5.82, suggesting a moderate valuation relative to its revenue. The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt.
The company's profitability is weak, with a return on equity of -1.33% and a return on assets of -0.14%, both significantly below the industry median for banks. The net income for the period is -$845,000, indicating a loss, and the operating cash flow is $449,000, which is insufficient to cover the free cash flow of -$648,000. The debt-to-equity ratio is 0.02, suggesting a low level of leverage compared to industry peers.
The company's revenue is concentrated in the New England region, with no disclosed segments or geographic breakdown provided in the available data. The lack of segment data limits the ability to assess geographic diversification or segment-specific performance.
The company's growth trajectory is uncertain, with no specific outlook provided for the current or next fiscal year. The capital expenditure of -$120,000 indicates a reduction in investment, which may affect long-term growth potential. The company's risk assessment indicates a low dilution risk, with no significant dilution sources identified in the available data.
Recent events and filings do not provide specific details on material developments for First Seacoast Bancorp Inc. The absence of recent transcripts or filings limits the ability to assess near-term strategic or operational changes.
- First Seacoast Bancorp Inc is trading at a price-to-book ratio of 1.23, slightly above book value.
- The company reported a net loss of $845,000, with a negative return on equity of -1.33%.
- The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt.
- The company's growth trajectory is uncertain, with no specific outlook provided for the current or next fiscal year.
- The company has a low debt-to-equity ratio of 0.02, indicating a conservative capital structure.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Ev To Operating Cash Flowenterprise_value / operating_cash_flow
- Return On Equitynet_income / total_equity
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- Market Capmarket_price * shares_outstanding_diluted
- First Seacoast Bancorp Inc Market data — financials · 2026-05-27
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,00 %$6M
- Investment Managers · as of 2025-12-310,00 %$3M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2024-06-300,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
Insider activity
- President and CFO · Common StockBought 100 @ $12,32$1K · 2025-12-09
- President and CFO · Common StockBought 500 @ $12,10$6K · 2025-12-09
- President and CFO · Common StockBought 500 @ $12,18$6K · 2025-12-09
- President and CFO · Common StockBought 322 @ $12,23$4K · 2025-12-09
- President and CFO · Common StockBought 900 @ $12,32$11K · 2025-12-09
- Director · Common StockSold 500 @ $11,52$6K · 2025-11-18
- Director · Common StockSold 1 250 @ $11,60$15K · 2025-11-18
- Director · Common StockBought 1 200 @ $11,47$14K · 2025-09-03
- EVP and COO · Common StockBought 300 @ $11,74$4K · 2025-08-21
- EVP and COO · Common StockBought 99 @ $11,55$1K · 2025-08-21
- EVP and COO · Common StockBought 12 @ $11,54$138 · 2025-08-21
- EVP and COO · Common StockBought 189 @ $11,57$2K · 2025-08-21
- Director, Chief Executive Officer · Common StockBought 500 @ $11,31$6K · 2025-08-15
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 2.4%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): -64.7%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): 115.2%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 3.3%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 3.2%Derived (calculated)
- Return on equity (FY 2025-12-31): -1.3%Derived (calculated)
- Return on assets (FY 2025-12-31): -0.1%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 8.43xDerived (calculated)
- Capex (YoY) (2025-12-31 vs 2024-12-31): -67.4%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): -91.7%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): -91.7%Derived (calculated)
- Capex (annual): USD 120KSEC XBRL filing
- Net income (annual): USD -845KSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES -0SEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES -0SEC XBRL filing
- Total liabilities (annual): USD 535.75MSEC XBRL filing
- Shareholders' equity (annual): USD 63.55MSEC XBRL filing
- Shares outstanding (annual): 4.69MSEC XBRL filing
- Operating cash flow (annual): USD 449KSEC XBRL filing
- Total assets (annual): USD 599.29MSEC XBRL filing
- Pre-tax income (annual): USD -1.48MSEC XBRL filing
- Capex (YoY) (2024-12-31 vs 2023-12-31): 5.4%Derived (calculated)
- EPS (diluted) (YoY) (2024-12-31 vs 2023-12-31): 94.8%Derived (calculated)
- Debt-to-equity (FY 2024-12-31): 8.36xDerived (calculated)