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Company Analysis

First Seacoast Bancorp, Inc. FSEA

A comprehensive view of key metrics, scores, and financial health for First Seacoast Bancorp, Inc.

Overview of First Seacoast Bancorp, Inc.

FSEA NCM
Financial Services Banks - Regional Micro Cap
First Seacoast Bancorp, Inc. (FSEA), is a Micro Cap company, in the Banks - Regional industry, last closed at $13.05, about 7.1% undervalued vs fair value, +18.6% 1Y return, placing in the top 10% of its sector.
$13.05
0.00%
As of March 13, 2026
Previous close • Vol 90d: 40.8%
52-Week Range
Market Cap
$60.47M
Enterprise Value
$92.65M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.firstseacoastbank....
HQ Dover, NH
Employees 75
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$8
$14
$26
Current: $13.05 +7% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$25.2M
23.8%%
Interest Expense
$13.5M
Net Interest Income
$11.7M
3.5%%
Total Revenue
$13.2M
41.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-0.8%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First Seacoast Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
12
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
6
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FSEA's balance between Growth (59.4%), Profitability (16.9%), and Safety (23.6%). Growth 59% Safety 24% Profitability 17%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

24th percentile vs peers
24
Key Signals
Rev Growth YoY 41.2% 34p Asset Growth YoY 1.7% 31p Revenue CAGR 3Y -6.9% 3p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

6th percentile vs peers
7
Key Signals
Strengths
Risks
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Safety

9th percentile vs peers
10
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First Seacoast Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$13.98
- - -
+7.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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