No significant weaknesses identified
| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| DCOMDime Community Bancshares, Inc. | 1.37B | 31.13 | 56.60 | 0.1% | 4.5% | 4.02% | 6.79% | 0.70 |
| EBCEastern Bankshares, Inc. | 4.4B | 19.56 | 29.64 | 91.64% | 11.17% | 1.3% | 6.14% | 0.01 |
| LYGLloyds Banking Group plc | 80.5B | 5.48 | 21.92 | 10.79% | 11.75% | 9.93% | 1.76 | |
| CFGCitizens Financial Group, Inc. | 26.03B | 60.61 | 20.00 | 1.31% | 12.22% | 6.6% | 7.22% | 0.51 |
| PFSProvident Financial Services, Inc. | 2.65B | 20.29 | 19.32 | 63.91% | 10.13% | 7.51% | 16.04% | 0.93 |
| CBUCommunity Bank System, Inc. | 3.3B | 62.73 | 18.24 | 24.44% | 19.4% | 10.34% | 6.71% | 0.57 |
| VLYValley National Bancorp | 6.7B | 12.02 | 17.42 | 6.51% | 10.65% | 6.53% | 8.18% | 0.50 |
| INDBIndependent Bank Corp. | 3.8B | 76.62 | 16.95 | 6.89% | 19.72% | 7.76% | 5.51% | 0.23 |
| Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 10.66M | 10.9M | 11.41M | 12.56M | 14.24M | 14.74M | 11.27M | 11.67M |
| NII Growth % | - | 0.02% | 0.05% | 0.1% | 0.13% | 0.04% | -0.24% | 0.03% |
| Net Interest Margin % | - | - | - | - | - | - | - | - |
| Interest Income | 12.48M | 14.05M | 15.26M | 15.73M | 15.47M | 16.49M | 20.35M | 25.2M |
| Interest Expense | 1.82M | 3.15M | 3.84M | 3.17M | 1.24M | 1.75M | 9.08M | 13.53M |
| Loan Loss Provision | 160K | 0 | 100K | 480K | 205K | 0 | 188K | -72K |
| Non-Interest Income | 1.79M | 1.6M | 1.57M | 1.95M | 2.08M | 822K | -1.96M | 1.49M |
| Non-Interest Income % | - | - | - | - | - | - | - | - |
| Total Revenue | 14.26M | 15.65M | 16.82M | 17.68M | 17.55M | 17.31M | 18.39M | 26.68M |
| Revenue Growth % | - | 0.1% | 0.08% | 0.05% | -0.01% | -0.01% | 0.06% | 0.45% |
| Non-Interest Expense | 10.67M | 11.19M | 13.15M | 12.97M | 12.89M | 16.58M | 15.84M | 13.21M |
| Efficiency Ratio | - | - | - | - | - | - | - | - |
| Operating Income | 1.61M | 1.31M | -268K | 1.05M | 3.22M | -1.02M | -6.71M | 14K |
| Operating Margin % | - | - | - | - | - | - | - | - |
| Operating Income Growth % | - | -0.19% | -1.2% | 4.94% | 2.05% | -1.32% | -5.61% | 1% |
| Pretax Income | 1.61M | 1.31M | -268K | 1.05M | 3.22M | -1.02M | -6.71M | 14K |
| Pretax Margin % | - | - | - | - | - | - | - | - |
| Income Tax | 701K | 232.26K | -189K | -24K | 601K | -451K | 3.94M | 527K |
| Effective Tax Rate % | - | - | - | - | - | - | - | - |
| Net Income | 912K | 1.08M | -79K | 1.08M | 2.62M | -565K | -10.66M | -513K |
| Net Margin % | - | - | - | - | - | - | - | - |
| Net Income Growth % | - | 0.18% | -1.07% | 14.66% | 1.43% | -1.22% | -17.86% | 0.95% |
| Net Income (Continuing) | 912K | 1.08M | -79K | 1.08M | 2.62M | -565K | -10.66M | -513K |
| EPS (Diluted) | 0.34 | 0.40 | -0.03 | 0.18 | 0.45 | -0.12 | -2.29 | -0.12 |
| EPS Growth % | - | 0.18% | -1.07% | 7% | 1.5% | -1.27% | -18.08% | 0.95% |
| EPS (Basic) | 0.34 | 0.40 | -0.03 | 0.18 | 0.45 | -0.12 | -2.29 | -0.12 |
| Diluted Shares Outstanding | 2.68M | 2.68M | 2.69M | 5.87M | 5.82M | 4.82M | 4.65M | 4.34M |
| Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 10.62M | 12.35M | 6.74M | 8.48M | 7.88M | 9M | 6.07M | 7.1M |
| Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Total Investments | 333.38M | 358.06M | 386.76M | 420.27M | 464.42M | 505.02M | 548.5M | 555.7M |
| Investments Growth % | - | 0.07% | 0.08% | 0.09% | 0.11% | 0.09% | 0.09% | 0.01% |
| Long-Term Investments | 304.49M | 318.62M | 341.98M | 364.8M | 373.05M | 398.92M | 426.64M | 435.48M |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 5.94M | 5.58M | 5.34M | 5.08M | 4.57M | 4.18M | 4.07M | 754K |
| Other Assets | 8.72M | 9.96M | 9.41M | 7.82M | 8.71M | 17.23M | 10.11M | 15.13M |
| Total Current Assets | 40.59M | 52.96M | 52.76M | 65.37M | 100.75M | 117.08M | 130.22M | 129.42M |
| Total Non-Current Assets | 319.16M | 334.16M | 356.73M | 377.7M | 386.33M | 420.34M | 440.82M | 451.36M |
| Total Assets | 359.75M | 387.11M | 409.49M | 443.06M | 487.07M | 537.42M | 571.03M | 580.78M |
| Asset Growth % | - | 0.08% | 0.06% | 0.08% | 0.1% | 0.1% | 0.06% | 0.02% |
| Return on Assets (ROA) | 0% | 0% | -0% | 0% | 0.01% | -0% | -0.02% | -0% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 72.22M | 75.74M | 66.22M | 34.13M | 29.46M | 99.4M | 73.01M | 52.27M |
| Net Debt | 61.61M | 63.39M | 59.48M | 25.64M | 21.58M | 90.4M | 66.94M | 45.17M |
| Long-Term Debt | 65.76M | 75.74M | 66.22M | 34.13M | 29.46M | 99.4M | 73.01M | 52.27M |
| Short-Term Debt | 6.46M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 6.06M | 4.2M | 4.59M | 22.69M | 3.9M | 6.33M | 26.61M | 12.25M |
| Total Current Liabilities | 256.02M | 274.45M | 281.62M | 327.38M | 393.24M | 382.36M | 404.8M | 454.21M |
| Total Non-Current Liabilities | 71.83M | 79.94M | 70.81M | 56.82M | 33.36M | 105.72M | 99.62M | 64.52M |
| Total Liabilities | 327.85M | 354.39M | 352.43M | 384.2M | 426.61M | 488.09M | 504.42M | 518.73M |
| Total Equity | 31.9M | 32.73M | 57.07M | 58.86M | 60.47M | 49.34M | 66.62M | 62.05M |
| Equity Growth % | - | 0.03% | 0.74% | 0.03% | 0.03% | -0.18% | 0.35% | -0.07% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | 0.03% | 0.03% | -0% | 0.02% | 0.04% | -0.01% | -0.18% | -0.01% |
| Book Value per Share | 11.92 | 12.23 | 21.18 | 10.04 | 10.39 | 10.24 | 14.32 | 14.31 |
| Tangible BV per Share | - | - | - | - | - | - | - | - |
| Common Stock | 32.11M | 33.19M | 61K | 61K | 62K | 62K | 52K | 53K |
| Additional Paid-in Capital | 0 | 0 | 25.64M | 25.61M | 26.78M | 26.77M | 52.64M | 53.9M |
| Retained Earnings | 0 | 0 | 0 | 34.19M | 36.81M | 36.25M | 25.6M | 25.08M |
| Accumulated OCI | -214K | -465K | 521K | 1.38M | 721K | -9.73M | -5.94M | -7.04M |
| Treasury Stock | 0 | 0 | 0 | -233K | -748K | -1.38M | -1.38M | -5.08M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 3.36M | -672K | 1.06M | 1.42M | 2.42M | 973K | -1.92M | -2.95M |
| Operating CF Growth % | - | -1.2% | 2.58% | 0.34% | 0.7% | -0.6% | -2.97% | -0.54% |
| Net Income | 912K | 1.08M | -79K | 1.08M | 2.62M | -565K | -10.66M | -513K |
| Depreciation & Amortization | 560K | 539.54K | 528K | 576K | 561K | 522K | 486K | 384K |
| Deferred Taxes | 326K | -11K | -315K | -337K | 309K | -296K | 3.86M | 403K |
| Other Non-Cash Items | 87K | 132K | 766K | 469K | 369K | 1.76M | 4.42M | -2.05M |
| Working Capital Changes | 1.48M | -2.41M | 50K | -455K | -1.6M | -955K | -704K | -1.96M |
| Cash from Investing | -31.94M | -27.28M | -23.13M | -31.9M | -43.5M | -58.07M | -39.49M | -2.51M |
| Purchase of Investments | -24.19M | -12.95M | -23.41M | -36.79M | -57.34M | -41.45M | -55.4M | -37.12M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -34.06M | -16.07M | -18.8M | -22.23M | -6.16M | -26.39M | -25.45M | -1.25M |
| Cash from Financing | 26.46M | 28.19M | 20.19M | 32.47M | 41.72M | 58.71M | 39.22M | 6.49M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | -233K | -515K | -629K | -4K | -3.7M |
| Stock Issued | 0 | 0 | 25.1M | 0 | 0 | 0 | 25.62M | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K |
| Other Financing | 4.49M | 18.21M | 4.61M | 46.6M | 65.09M | -10.59M | 19.99M | 49.42M |
| Net Change in Cash | -2.12M | 239K | -1.88M | 1.99M | 642K | 1.61M | -2.18M | 1.03M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 7.77M | 5.65M | 5.89M | 4.01M | 6M | 6.64M | 8.25M | 6.07M |
| Cash at End | 5.65M | 5.89M | 4.01M | 6M | 6.64M | 8.25M | 6.07M | 7.1M |
| Interest Paid | 1.8M | 3.1M | 3.86M | 3.16M | 1.28M | 1.69M | 8.79M | 13.44M |
| Income Taxes Paid | 603K | 0 | 85K | 447K | 386K | 47K | 56K | 49K |
| Free Cash Flow | 1.97M | -849K | 771K | 1.1M | 2.38M | 870K | -2.26M | -3.32M |
| FCF Growth % | - | -1.43% | 1.91% | 0.43% | 1.16% | -0.64% | -3.6% | -0.46% |
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 2.86% | 3.34% | -0.18% | 1.86% | 4.39% | -1.03% | -18.38% | -0.8% |
| Return on Assets (ROA) | 0.25% | 0.29% | -0.02% | 0.25% | 0.56% | -0.11% | -1.92% | -0.09% |
| Net Interest Margin | 2.96% | 2.82% | 2.79% | 2.83% | 2.92% | 2.74% | 1.97% | 2.01% |
| Efficiency Ratio | 74.81% | 71.52% | 78.16% | 73.36% | 73.43% | 95.78% | 86.1% | 49.5% |
| Equity / Assets | 8.87% | 8.45% | 13.94% | 13.29% | 12.41% | 9.18% | 11.67% | 10.68% |
| Book Value / Share | 11.92 | 12.23 | 21.18 | 10.04 | 10.39 | 10.24 | 14.32 | 14.31 |
| NII Growth | - | 2.31% | 4.69% | 10.04% | 13.36% | 3.57% | -23.55% | 3.5% |
First Seacoast Bancorp (FSEA) grew revenue by 45.1% over the past year. This is strong growth.
First Seacoast Bancorp (FSEA) reported a net loss of $2.2M for fiscal year 2024.
First Seacoast Bancorp (FSEA) has a return on equity (ROE) of -0.8%. Negative ROE indicates the company is unprofitable.
First Seacoast Bancorp (FSEA) has a net interest margin (NIM) of 2.0%. NIM has been under pressure due to interest rate environment.
First Seacoast Bancorp (FSEA) has an efficiency ratio of 49.5%. This is excellent, indicating strong cost control.