A Business at a Glance
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First Seacoast Bancorp, Inc.
FSEA
$62M
Mkt Cap
$16.90
+0.06%
First Seacoast Bancorp, Inc. (FSEA) has a current P/E ratio of 70.4, compared to its historical median P/E of 28.2. The stock is currently considered Expensive based on its historical valuation range.
First Seacoast Bancorp, Inc. (FSEA) has a 5-year average return on invested capital (ROIC) of -3.4%. This is below average and may indicate limited pricing power.
First Seacoast Bancorp, Inc. (FSEA) has a market capitalization of $62M. It is classified as a small-cap stock.
First Seacoast Bancorp, Inc. (FSEA) does not currently pay a regular dividend.
Based on historical P/E analysis, First Seacoast Bancorp, Inc. (FSEA) appears expensive. The current P/E of 70.4 is 150% above its historical median of 28.2. The estimated fair value CAGR (P/E method) is -17.8%.
First Seacoast Bancorp, Inc. (FSEA) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
First Seacoast Bancorp, Inc. (FSEA) reported annual revenue of $29 million in its most recent fiscal year, based on SEC EDGAR filings.
First Seacoast Bancorp, Inc. First Seacoast Bancorp, Inc. (together with its bank subsidiary, unless the context otherwise requires, the “Company”) is the savings and loan holding company for First Seacoast Bank (the “Bank”). The Company conducts its operations primarily through its wholly-owned subsidiary, First Seacoast Bank. The Company is the successor to First Seacoast Bancorp (a federal corporation). Effective January 19, 2023, the Company succeeded First Seacoast Bancorp (a federal corporation) as the holding company for First Seacoast Bank in connection with the conversion of First Seacoast Bancorp, MHC, the former federal mutual holding company for First Seacoast Bank, from mutual to stock form. At December 31, 2024, the Company had total consolidated assets of $580.8 million, loans of $439.0 million, deposits of $454.2 million and stockholders’ equity of $62.1 million.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 29M | 29M | 29M | 19M | 17M | 18M |
| Net Income | -845K | -845K | -513K | -11M | -565K | 2.6M |
| EPS | $-0.23 | $-0.23 | $-0.12 | $-2.29 | $-0.12 | $0.45 |
| Free Cash Flow | 329K | 329K | -3.3M | -2.3M | 870K | 2.4M |
| ROIC | 0.1% | -1.3% | -0.8% | -18.4% | -1.0% | 4.4% |
| Gross Margin | 0.0% | 0.0% | - | - | - | - |
| Debt/Equity | 0.00 | 0.00 | 0.33 | 7.57 | 9.89 | 7.06 |
| Dividends/Share | $0.00 | $0.00 | - | - | - | - |
| Operating Income | 48K | 48K | 44K | -6.7M | 40K | 3.2M |
| Operating Margin | 0.2% | 0.2% | 0.1% | -36.1% | 0.2% | 18.2% |
| ROE | -1.3% | -1.3% | -0.8% | -18.4% | -1.0% | 4.4% |
| Shares Outstanding | 4M | 4M | 4M | 5M | 5M | 6M |
| Metric | ||||||
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | 18M | 17M | 19M | 29M | 29M | 29M |
| Gross Margin | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 7.8M | 11M | 9.7M | 8.6M | 9.0M | 9.0M |
| EBIT | 3.2M | 40K | -6.7M | 44K | 48K | 48K |
| Op. Margin | 18.2% | 0.2% | -36.1% | 0.1% | 0.2% | 0.2% |
| Net Income | 2.6M | -565K | -11M | -513K | -845K | -845K |
| Net Margin | 14.8% | -3.2% | -57.3% | -1.7% | -2.9% | -2.9% |
| Non-Recurring | 0 | 0 | -2K | 2.5M | 0 | 0 |
| Returns on Capital | ||||||
| ROIC | 4.4% | -1.0% | -18.4% | -0.8% | -1.3% | 0.1% |
| ROE | 4.4% | -1.0% | -18.4% | -0.8% | -1.3% | -1.3% |
| ROA | 0.5% | -0.1% | -1.9% | -0.1% | -0.1% | -0.1% |
| Cash Flow | ||||||
| Op. Cash Flow | 2.4M | 973K | -1.9M | -2.9M | 449K | 449K |
| Free Cash Flow | 2.4M | 870K | -2.3M | -3.3M | 329K | 329K |
| Owner Earnings | 1.8M | 64K | -2.8M | -3.6M | -464K | -464K |
| CapEx | 36K | 103K | 349K | 368K | 120K | 120K |
| Maint. CapEx | 561K | 522K | 486K | 384K | 317K | 317K |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 561K | 522K | 486K | 384K | 317K | 317K |
| CapEx/OCF | 1.5% | 10.6% | N/A | N/A | N/A | 26.7% |
| Capital Allocation | ||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 46K | 387K | 399K | 270K | 596K | 596K |
| Debt Repayment | 0 | 0 | 0 | 20M | 0 | 0 |
| Balance Sheet | ||||||
| Net Debt | N/A | N/A | N/A | -107M | -166M | -13M |
| Cash & Equiv. | 6.6M | 8.3M | 6.1M | 7.1M | 13M | 13M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 7.06 | 9.89 | 7.57 | 0.33 | 0.00 | 0.00 |
| Interest Coverage | 3.6 | 0.0 | -0.2 | 0.0 | 0.0 | 0.0 |
| Equity | 60M | 49M | 67M | 62M | 64M | 64M |
| Total Assets | 487M | 537M | 571M | 581M | 599M | 599M |
| Total Liabilities | 427M | 488M | 504M | 519M | 536M | 536M |
| Intangibles | N/A | N/A | N/A | N/A | 0 | 0 |
| Retained Earnings | 37M | 36M | 26M | 25M | 24M | 24M |
| Working Capital | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | ||||||
| EPS | 0.45 | -0.12 | -2.29 | -0.12 | -0.23 | -0.23 |
| Owner EPS | 0.31 | 0.01 | -0.60 | -0.84 | -0.13 | -0.13 |
| Book Value | 10.38 | 10.48 | 14.32 | 14.51 | 17.30 | 17.30 |
| Cash Flow/Share | 0.42 | 0.21 | -0.41 | -0.69 | 0.12 | -0.14 |
| Dividends/Share | N/A | N/A | N/A | N/A | 0.00 | 0.00 |
| Shares Out. | 5.8M | 4.7M | 4.7M | 4.3M | 3.7M | 3.7M |
| Valuation | ||||||
| P/E Ratio | 28.2 | N/A | N/A | N/A | N/A | -73.5 |
| P/FCF | 31.0 | 62.8 | N/A | N/A | N/A | 188.7 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 1.2 | 1.1 | 0.5 | 0.7 | N/A | 1.0 |
| Price/Sales | 4.1 | 3.7 | 4.0 | 2.4 | N/A | 2.2 |
| FCF Yield | 3.2% | 1.6% | -6.5% | -7.7% | N/A | 0.5% |
| Market Cap | 74M | 55M | 35M | 43M | 0 | 62M |
| Avg. Price | 11.53 | 12.49 | 8.25 | 8.96 | 0.00 | 16.90 |
| Year-End Price | 12.68 | 11.61 | 7.52 | 10.06 | 0.00 | 16.90 |
First Seacoast Bancorp, Inc. passes 1 of 9 quality checks, indicating weak fundamentals.
First Seacoast Bancorp, Inc. trades at 70.4x trailing earnings, compared to its 15-year median P/E of 28.2x, suggesting it is currently Expensive relative to its historical range. At current prices, the estimated annualized return to fair value is -18.7%.
First Seacoast Bancorp, Inc. (FSEA) has a net profit margin of -2.9%. The company is currently unprofitable.
First Seacoast Bancorp, Inc. (FSEA) generated $329 thousand in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
First Seacoast Bancorp, Inc. (FSEA) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
First Seacoast Bancorp, Inc. (FSEA) reported earnings per share (EPS) of $-0.23 in its most recent fiscal year.
First Seacoast Bancorp, Inc. (FSEA) has a return on equity (ROE) of -1.3%. A negative ROE may indicate losses or negative equity.
The Ledger Terminal provides 5 years of financial data for First Seacoast Bancorp, Inc. (FSEA), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
First Seacoast Bancorp, Inc. (FSEA) has a book value per share of $17.30, based on its most recent annual SEC filing.
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