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First Seacoast Bancorp, Inc.

FSEA

$17.01 ▼ -0.05 (-0.29%) at close

6 Visible periods

30 Metrics

Peer-ranked Benchmarks

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Health

Poor

Bearish

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Analytical Summary

First Seacoast Bancorp, Inc. faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $62.5M

Dividend Yield —

Revenue Growth -2.3% ↘

Op. Margin -9.6% ↘

ROIC None

FCF / Share None

Trailing P/E —

Price / Book 1.3x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 4, 2026.

6-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$15.44M

↓ -2.3% —

Net Income Profit after all expenses

$-845.00K

↓ -64.7% —

Operating Margin Operating profit as % of sales

-9.6%

↓ -10941.2% 16th

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability

Returns

Financial view

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📈 Is growth accelerating? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue Growth YoY (%)	-2.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-138%)	66.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1005%)	-39.7% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-761%)	-4.6% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-177%)	—	—
EPS Growth YoY (%)	-91.7% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	94.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-1808.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—
Net Income Growth YoY (%)	-64.7% Weak ↑ Weak Improving Year-over-year change in net income	95.2% Excellent Excellent Year-over-year change in net income	-1786.0% Weak Weak Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-0.7% Weak Weak Compound annual revenue growth over 3 years	-1.4% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Operating Margin (%) (%)	-9.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-138%)	0.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-100%)	-70.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-383%)	-6.5% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-126%)	19.5% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	—
Effective Tax Rate (%) (%)	43.0% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	3764.3% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-58.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	44.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.7% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	-5.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-125%)	-3.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-115%)	-112.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-610%)	-3.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-116%)	15.9% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	-1.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-111%)	-0.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-107%)	-16.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-233%)	-1.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-110%)	4.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue per Share (USD)	$4.20	$3.65	$2.04	$3.27	$2.84	—
Basic EPS, GAAP (USD)	$-0.23	$-0.12	$-2.29	$-0.12	$0.45	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$13.54	$12.97	$13.12	$9.73	$9.88	—
Tangible Book Value per Share (USD)	$13.54	$12.97	$13.12	$9.73	$9.88	—
Basic Weighted Avg Shares (shares)	3.68M	4.34M	4.65M	4.82M	5.82M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$63.55M	$62.05M	$66.62M	$49.34M	$60.47M	$58.86M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Sales/Revenue/Turnover (USD)	$15.44M	$15.80M	$9.50M	$15.75M	$16.51M	—
Depreciation Expense (USD)	$317.00K	$384.00K	$486.00K	$522.00K	$561.00K	—
Net Income, GAAP (USD)	$-845.00K	$-513.00K	$-10.66M	$-565.00K	$2.62M	—
Operating Cash Flow (USD)	$449.00K	$-2.95M	$-1.92M	$973.00K	$2.42M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Net Interest Margin (approx.) (%)	2.3%	2.0%	2.0%	2.8%	2.9%	—
Efficiency Ratio (%) (%)	109.6%	100.4%	168.7%	106.5%	79.2%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 6 years · 19 quarters

First Seacoast Bancorp, Inc.

Analytical Summary

6-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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