First Seacoast Bancorp
FSEA · Price history
Price at last available close
$17.25
+$0.00 (+0.00%) 1M
2026-10-05
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Company & revenue
About First Seacoast Bancorp
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
First Seacoast Bancorp serves as the parent organization for First Seacoast Bank, offering a broad spectrum of banking products and financial services to individuals and businesses. The company provides various deposit options, including both interest-bearing and non-interest-bearing checking accounts, savings accounts, money market accounts, and certificates of deposit. It also extends a wide array of lending solutions, such as residential mortgages for one to four-family homes, commercial real estate and multi-family property financing, acquisition, development, and land loans, commercial and industrial loans, home equity loans and lines of credit, and consumer loans.
How they make money
First Seacoast Bancorp, Inc. operates as a savings and loan holding company for First Seacoast Bank. The company generates revenue primarily through net interest income, which is the difference between interest earned on loans and investment securities and interest paid on customer deposits and other borrowings, supplemented by non-interest income from banking fees and services.
Products & services
The company provides a range of community banking services, including residential and commercial real estate loans, commercial business loans, consumer loans, and various deposit products such as savings, checking, and money market accounts.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Technology and Core Banking Service Providers — The company relies on third-party vendors for core banking software, data processing, and information technology infrastructure services.Source
Strengths
- Established community banking presence in the New Hampshire and southern Maine Seacoast regionSource
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Quarterly revenue fell 41.9% versus the same quarter last year.
Check comparable business scope and currency, then separate volume, pricing and divestitures. One weaker quarter does not establish that the same decline will continue.
Total debt increased 111.0% versus the same quarter last year.
Compare the added borrowing with available cash, cash generation and maturities. A percentage increase from a small starting balance can look large without measuring the full debt burden.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
24
Poor
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
21
Poor
Financial Strength
27
Business Quality / Moat
44
Management
0
Growth Quality
10
Risk / Durability
0
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
20
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
25/100
Building Historical Record
Model Score 25/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently cautious.
- •Insider activity signal is favorable
- •Recent buyback activity is present
- •Elevated debt risk
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for FSEA
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving FSEA's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is FSEA's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is FSEA's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •What future growth or profitability would be needed to justify FSEA's current valuation?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of FSEA's score?
Essential Investment Snapshot
Wall Street Score
24
Opportunity Score
20
Market Cap
$81.2M
P/E Ratio
1796.9
EPS
$0.01
52-Week High
$17.25
52-Week Low
$11.07
Beta
0.09
Intrinsic Value
$0.37
Shares Outstanding
3.7M
Total Revenue
$25.7M
Total Debt
$44.8M
Dividend
No current dividend
Liquidation Value / Share
$17.36
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for FSEA
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Cash covers less than 20% of total debt
Community Sentiment
0 active · 0 total callsNo personal call yet on FSEA.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Established community banking presence in the New Hampshire and southern Maine Seacoast region.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Cash covers less than 20% of total debt.
- −Interest rate risk and fluctuations in market rates.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
5 historical score records availablePrevious Score
24
Sep 24, 2026
Change
Unchanged
Current Score
24
Oct 1, 2026
Category Changes
FSEA score was unchanged.
Projected Score
Projected Score
20
Projected Change
-3.6 points
Preliminary comparable-period financial changes suggest decline of approximately 3.6 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
OvervaluedCurrent Price
$17.25
Model Intrinsic Value
$0.37
Difference
+$16.88
+4567.2% vs IV
Margin of Safety
-4567.2%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $25.7M | $28.7M | $26.7M | $18.4M | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $9.6M | $13.3M | $13.5M | $9.3M | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $16.1M | $15.4M | $13.2M | $9.1M | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $12.8M | $11.3M | $10.4M | $10.8M | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $16.6M | $16.9M | $13.2M | $15.8M | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | -$290K | -$1.2M | $398K | -$6.2M | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | -$531K | -$1.5M | $14K | -$6.7M | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $12.4M | $13.3M | $13.5M | $9.1M | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | -$531K | -$1.5M | $14K | -$6.7M | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | -$575K | -$638K | $527K | $3.9M | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $44K | -$845K | -$513K | -$10.7M | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $0.01 | $-0.23 | $-0.12 | $-2.29 | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 4.29M | 3.68M | 4.34M | 4.65M | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 4.63M | 3.68M | 4.34M | 4.65M | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$4.1M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.05
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+111.0%
Cash Change
-18.1%
Margin Change
+13.7 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
What Weakened
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included net income margin. Pressure indicators included revenue growth, EPS growth, cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 41.9%. EPS declined 138.5%. Cash declined 18.1%. Total debt increased 111.0%. Net income margin improved by 13.7 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
5 historical recordsHistorical Score Chart
3 of 5 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalNews
No news available for FSEA.
Rumor Mill · FSEA
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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