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INDICATIVE · SAMPLE DATA
FSEA$16.6756

First Seacoast Bancorp Inc

BanksVerified

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.

30-day price · FSEA+4.00 (+31.4%)
Low$11.07High$16.76Close$16.72As of10 May, 00:00 UTC
Profile
CompanyFirst Seacoast Bancorp Inc
TickerFSEA.O
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. First Seacoast Bancorp Inc provides commercial and retail banking services, including deposits, loans, and wealth management, primarily in the New England region.

Classification. The company is classified under the Banks industry within the Financials economic sector, with a confidence level of 0.92 based on verified market 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.
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.
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Financial snapshot
PeriodHA-latest
CurrencyUSD
Revenue$13.7M
Gross profit
Operating income
Net income-$845.0k
R&D
SG&A
D&A
SBC
Operating cash flow$449.0k
CapEx-$120.0k
Free cash flow-$648.0k
Total assets$599.3M
Total liabilities$535.7M
Total equity$63.5M
Cash & equivalents
Long-term debt$1.5M
Valuation
Market price$16.67
Market cap$78.2M
Enterprise value$79.7M
P/E
Reported non-GAAP P/E
EV/Revenue5.8
EV/Op income
EV/OCF177.4
P/B1.2
P/Tangible book1.2
Tangible book$63.5M
Net cash-$1.5M
Current ratio
Debt/Equity0.0
ROA-0.1%
ROE-1.3%
Cash conversion-53.0%
CapEx/Revenue-0.9%
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskMedium
  • Net cash is negative after subtracting total debt.
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricFSEAActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin-6.2%33.6% medp25 19.4% · p75 51.1%bottom quartile
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-0.9%-4.6% medp25 -10.4% · p75 -2.1%top quartile
Debt / equity2.0%56.1% medp25 13.2% · p75 161.2%bottom quartile
Observations
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod financials
no public URL
2026-05-16 17:37 UTC#8d20ea36
Market quoteclose USD 16.65 · shares 0.00B diluted
no public URL
2026-05-15 14:34 UTC#9f550e45
Source: analysis-pipeline (hybrid)Generated: 2026-05-27 23:41 UTCJob: ca8a93ab