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FSEA.O NASDAQ Banks

First Seacoast Bancorp Inc

$17,01
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USD
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Last 30 days
1D5D1M3M6MYTD1Y5YMax
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Mcap
79,8M USD
P/E
EV / Rev
Div yield
Op margin
ROE
-1,3 %
Net margin
-6,2 %
Debt / equity
0,02
Beta
52w range
Volume
642
Day range
$16,72–$16,76
Prev close
$16,75
Open
$16,72
Next earnings
2026-10-28
Ex-dividend
TR 1Y
About

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.

Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryBanks
Generated · model-assisted
Sell-side consensus
consensus pending
— buy— hold— sell
Avg 12m price target
Upcoming events
  • EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
See all catalysts →

At a glance

Score
not yet scored
Valuation
valuation pending
Analysts
not yet wired
Ownership
AllianceBernstein L.P.
largest disclosed fund holder
Profitability
-1,3 %
return on equity
Quality
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning FSEA.
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to FSEA.O. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • 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

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    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.

    Classification92 %
    SectorFinancials
    Business sectorBanking & Investment Services
    IndustryBanks
    AI synthesis
    GENERATED

    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.

    Key takeaways
    • 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-assisted
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $17,01
    Market cap
    $78.2M
    Enterprise value
    $79.7M
    P/E
    Non-GAAP P/E
    EV / Revenue
    EV / Op income
    EV / OCF
    177.4x
    P / B
    1.2x
    P / Tangible book
    1.2x
    Tangible book
    $63.5M
    Net cash
    -$1.5M
    Current ratio
    Debt / equity
    0.0
    ROA
    -0.1%
    ROE
    -1.3%
    Cash conversion
    -53.0%
    CapEx / revenue
    -0.9%
    SBC / revenue
    Dilution ratio
    0.0%

    Revenue by segment

    Commercial Banking
    low · business_description · 2026-07-03
    Commercial Real Estate Lending
    low · business_description · 2026-07-03
    Construction Lending
    low · business_description · 2026-07-03
    Consumer & Retail Banking
    low · business_description · 2026-07-03
    Mortgage & Home Lending
    low · business_description · 2026-07-03

    Market share

    — missing data

    Business relationships

    Business relationships6 disclosed relationships · 1 type · extracted from filings & disclosures
    Subsidiaries6
    EX21:15f96ff6bf4bEX21:15f96ff6bf4bSubsidiarie97%Source ↗
    EX21:3d82c13b8aebEX21:3d82c13b8aebSubsidiarie97%
    EX21:7e560b0d5753EX21:7e560b0d5753Subsidiarie97%
    EX21:84ef391541aeEX21:84ef391541aeSubsidiarie97%Source ↗
    EX21:acfc10b8aeeaEX21:acfc10b8aeeaSubsidiarie97%Source ↗
    EX21:ad5736686512EX21:ad5736686512Subsidiarie97%Source ↗

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    — missing data

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Net Margin-6,2 %Bottom quartile
    ROE-1,3 %Bottom quartile
    Capex / Rev-0,9 %Above P75
    D/E0,02Above median
    Cash Conv-0,53Bottom quartile

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Ev To Operating Cash Flow
      enterprise_value / operating_cash_flow
    • Return On Equity
      net_income / total_equity
    • Price To Book
      market_price / (adjusted_book_value / shares_outstanding_diluted)
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Market Price
      input from market-data provider (delayed close or quote-shim mid)
    • Market Cap
      market_price * shares_outstanding_diluted
    Source documents
    • First Seacoast Bancorp Inc Market data — financials · 2026-05-27

    Ownership & reference

    Top holders

    • AllianceBernstein L.P.Investment Managers · as of 2026-03-310,00 %$6M
    • Vanguard Capital Management, LLCInvestment Managers · as of 2025-12-310,00 %$3M
    • Geode Capital Management, L.L.C.Investment Managers · as of 2026-03-310,00 %$0M
    • BlackRock Institutional Trust Company, N.A.Investment Managers · as of 2024-06-300,00 %$0M
    • UBS Financial Services, Inc.Investment Managers · as of 2026-03-310,00 %$0M

    Insider activity

    Net buying11 buys · 2 sellsnet $35K5 insiders · last 365d
    • Donovan Richard MPresident and CFO · Common StockBought 100 @ $12,32$1K · 2025-12-09
    • Donovan Richard MPresident and CFO · Common StockBought 500 @ $12,10$6K · 2025-12-09
    • Donovan Richard MPresident and CFO · Common StockBought 500 @ $12,18$6K · 2025-12-09
    • Donovan Richard MPresident and CFO · Common StockBought 322 @ $12,23$4K · 2025-12-09
    • Donovan Richard MPresident and CFO · Common StockBought 900 @ $12,32$11K · 2025-12-09
    • Jean Thomas J.Director · Common StockSold 500 @ $11,52$6K · 2025-11-18
    • Jean Thomas J.Director · Common StockSold 1 250 @ $11,60$15K · 2025-11-18
    • Boulanger Mark P.Director · Common StockBought 1 200 @ $11,47$14K · 2025-09-03
    • Swenson John E.EVP and COO · Common StockBought 300 @ $11,74$4K · 2025-08-21
    • Swenson John E.EVP and COO · Common StockBought 99 @ $11,55$1K · 2025-08-21
    • Swenson John E.EVP and COO · Common StockBought 12 @ $11,54$138 · 2025-08-21
    • Swenson John E.EVP and COO · Common StockBought 189 @ $11,57$2K · 2025-08-21
    • Brannen James R.Director, Chief Executive Officer · Common StockBought 500 @ $11,31$6K · 2025-08-15

    Short positioning

    9.2Kshares short-4.9% vs prior
    1.54days to cover
    72.1%short of daily vol
    98fails-to-deliver
    as of 2026-07-15 · short-interest report (free)

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    FSEA.OCanonical
    NASDAQ · USD

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.
    Relationship graph
    FSEAJPMBACCEX21:15fEX21:3d8EX21:7e5EX21:84eEX21:acfEX21:ad5Banks
    This companyPeerSectorSubsidiaries

    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)
    Showing 24 of 60 surfaced claims.
    Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.

    The Thread

    Everything we know, in order
    2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
    2026-05-15FILING10-Q filing →
    2026-05-05FILING8-K filing →
    2026-03-20FILING10-K filing →
    2025-12-09 00:00 UTCINSIDER5 insider transactions — 2025-12
    2025-12-09INSIDERDonovan Richard M bought 500 sh — President and CFO ~$6k
    2025-12-09INSIDERDonovan Richard M bought 322 sh — President and CFO ~$4k
    2025-12-09INSIDERDonovan Richard M bought 100 sh — President and CFO ~$1k
    2025-12-09INSIDERDonovan Richard M bought 900 sh — President and CFO ~$11k
    2025-11-18 00:00 UTCINSIDER2 insider transactions — 2025-11
    2025-11-18INSIDERJean Thomas J. sold 500 sh — Director ~$6k
    2025-11-18INSIDERJean Thomas J. sold 1.2k sh — Director ~$15k
    2025-11-14FILING10-Q filing →
    2025-09-03 00:00 UTCINSIDER1 insider transaction — 2025-09
    2025-09-03INSIDERBoulanger Mark P. bought 1.2k sh — Director ~$14k
    2025-08-21 00:00 UTCINSIDER5 insider transactions — 2025-08
    2025-08-21INSIDERSwenson John E. bought 12 sh — EVP and COO ~$0k
    2025-08-21INSIDERSwenson John E. bought 99 sh — EVP and COO ~$1k
    2025-08-21INSIDERSwenson John E. bought 189 sh — EVP and COO ~$2k
    2025-08-21INSIDERSwenson John E. bought 300 sh — EVP and COO ~$4k
    2025-08-15INSIDERBrannen James R. bought 500 sh — Director, Chief Executive Officer ~$6k
    2025-08-08FILING10-Q filing →
    2025-06-17 00:00 UTCINSIDER6 insider transactions — 2025-06
    2025-05-09FILING10-Q filing →
    2025-04-22FILINGDEF 14A filing →
    2025-03-21FILING10-K filing →
    2025-01-31FILINGCurrent report →
    2024-12-12FILINGCurrent report →
    2024-12-03 00:00 UTCINSIDER29 insider transactions — 2024-12 14 derivative
    2024-11-20 00:00 UTCINSIDER2 insider transactions — 2024-11
    2024-08-19 00:00 UTCINSIDER1 insider transaction — 2024-08
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage