FSEA logo

FIRST SEACOAST BANCORP INC

FSEANASDAQ
πŸ† #4203 by market capUS Equity
$17.25β–² $0.00 (+0.00%)
πŸŒ… Pre-market$17.24β–Ό 0.06%Regular close Β· extended-hours price shown
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24hβ–² 0.0%
7dβ–² 0.9%
14dβ–² 0.9%
30dβ–² 0.9%
ytdβ–² 30.4%
1yβ–² 48.8%
🏦Market Cap
$81M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+7.7%
Slowing
πŸ“ŠGross Margin
62.5%
High
πŸ’΅FCF Margin
-0.2%
Thin
βš–οΈP/S Ratio
3.1x
Fair
Otter Score
68
Fair

Trading Snapshot

Day Range
$17.04 – $17.48
52-Week Range
$11.08 – $17.25
Volume
$1.78B
Avg Volume
$2.05B
Shares Outstanding
4.7M
Next Earnings
Nov 28, 2026

Fundamentals Snapshot

Annual Revenue
$29M
Last Q Revenue
$4M
P/E Ratio
1796.9
P/S Ratio
3.1x
EPS (TTM)
$0.01
Dividend Yield
0.00%
Dilution (1yr)
βˆ’15.2%

Why Investors Own FSEA

  • βœ“High-growth profile β€” revenue up +50.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 31% gross margin and 9% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FSEA logo

FIRST SEACOAST BANCORP INC

FSEA
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$29Mβ–² +7.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
53.7%β–² +8.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
βˆ’$1Mβ–Ό βˆ’10692.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$329Kβ–Ό βˆ’109.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
3.7Mβ–Ό βˆ’15.2% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$44Mβ–² +$920K YoY
StockOtter Β· stockotter.space

About FIRST SEACOAST BANCORP INC

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. Additionally, First Seacoast Bancorp delivers wealth management services, which include retirement and college planning, portfolio management, investment and insurance strategy development, and business retirement plans. The company conducts its operations through a wealth management office located in Dover, New Hampshire, four full-service banking branches in Strafford County, New Hampshire, and one full-service banking branch in Rockingham County, New Hampshire. Founded in 1890, the firm's headquarters are in Dover, New Hampshire, and it operates as a subsidiary of First Seacoast Bancorp, MHC, its mutual holding company.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
68/100

Analyst Price Target

β“˜
Average Target
$21.99
β–² +27.5% Upside
High Target$24.72
Low Target$16.76
Based on 15 analysts

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