8-K Announcements
6Material company update
May 5, 2026·SEC
Material company update
May 29, 2025·SEC
Material company update
Mar 5, 2025·SEC
First Seacoast Bancorp(FSEA)Earnings, Financials & Key Ratios
FSEA•NASDAQ•Banking & Credit
$16.91
Price updated Jun 25, 2026
AboutFirst Seacoast Bancorp operates as a holding company for First Seacoast Bank that provides various banking products and services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts; and time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family loans; acquisition, development, and land loans; commercial and industrial loans; home equity loans and lines of credit; and consumer loans. In addition, the company offers wealth management services, such as retirement planning, portfolio management, investment and insurance strategies, business retirement plans, and college planning services. It operates through its wealth management office located in Dover, New Hampshire; four full-service banking offices in Strafford County, New Hampshire; and one full-service banking office in Rockingham County, New Hampshire. The company was founded in 1890 and is headquartered in Dover, New Hampshire. First Seacoast Bancorp is a subsidiary of First Seacoast Bancorp, MHC.Show more
- Net Interest Income$14M+17.3%
- Total Revenue$29M+7.7%
- Net Income-$845K-64.7%
- Return on Equity-1.35%-68.7%
- Net Interest Margin2.28%+13.7%
- Efficiency Ratio58.89%+19.0%
- ROA-0.14%-60.7%
- Equity / Assets10.6%-0.8%
- Book Value per Share17.28+20.8%
FSEA Price & Volume
First Seacoast Bancorp (FSEA) stock price & volume — 10-year historical chart
Loading chart...
Persistent Margin Volatility Strains Capital Adequacy Profile
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Mixed
Profitability:Negative
Financial Position:Vulnerable
Cash Flow:Deteriorating
Primary Risk:Geographic and liquidity concentration
"First Seacoast Bancorp faces significant structural headwinds characterized by a contraction in net interest income to negative $3.0 million in 2026Q1 and an inability to achieve sustainable operating scale. The bank's reliance on securities liquidation to manage liquidity, evidenced by an $8.6 million divestment in the most recent quarter, suggests a precarious balance sheet composition. Investors should remain cautious as the firm struggles with a thin 0.11 equity-to-assets ratio and persistent net losses that impair organic capital generation."
Verdict Logic
the company's inability to generate positive net interest income, which fell to negative $3.0 million in 2026Q1, indicates fundamental operational instability that outweighs the current 0.98 price-to-book valuation.
FSEA Growth Metrics
First Seacoast Bancorp (FSEA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years10.21%
3 Years18.4%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-2183.33%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-536.79%
Return on Capital
10 Years0.12%
5 Years-0.47%
3 Years-1.54%
Last Year-0.44%
FSEA Recent Earnings
First Seacoast Bancorp (FSEA) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
May 15, 2026Metric
Actual
Est
EPS
$0.12
—
Rev
$6M
—
Q2 2026
Mar 20, 2026Metric
Actual
Est
EPS
$0.05
—
Rev
$7M
—
Q4 2025
Nov 14, 2025Metric
Actual
Est
EPS
$0.08
—
Rev
$7M
—
Q3 2025
Aug 8, 2025Metric
Actual
Est
EPS
$0.13
—
Rev
$7M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 15, 2026 | $0.12 | $6M |
| Q2 2026 | Mar 20, 2026 | $0.05 | $7M |
| Q4 2025 | Nov 14, 2025 | $0.08 | $7M |
| Q3 2025 | Aug 8, 2025 | $0.13 | $7M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for First Seacoast Bancorp (FSEA)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $16.91 | $79.34M | -73.52 | 7.7% | -2.94% | -1.35% | — | |
| $26.72 | $369.65M | 8.22 | -1.55% | 28.51% | 12.62% | — | |
| $57.97 | $462.21M | 13.03 | 6.13% | 18.69% | 13.31% | — | |
| $49.26 | $2.56B | 14.79 | 10.36% | 19.66% | 9.83% | — | |
| $74.33 | $358.26M | 23.75 | -6.46% | 12.83% | 7.33% | — | |
| $24.29 | $172.88M | 13.80 | -1.44% | 12.96% | 7.98% | — |
Compare FSEA vs Peers
First Seacoast Bancorp (FSEA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FSEA SEC Filings & Documents
First Seacoast Bancorp (FSEA) SEC filings — annual & quarterly reports (10-K, 10-Q)
Get notified when FSEA posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
FSEA Frequently Asked Questions
First Seacoast Bancorp (FSEA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is First Seacoast Bancorp growing?
First Seacoast Bancorp (FSEA) grew revenue by 7.7% over the past year. This is steady growth.
Is FSEA profitable?
First Seacoast Bancorp (FSEA) reported a net loss of $0.8M for fiscal year 2025.
Dividend & Returns
What is FSEA's return on equity?
First Seacoast Bancorp (FSEA) has a return on equity (ROE) of -1.3%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is First Seacoast Bancorp's net interest margin?
First Seacoast Bancorp (FSEA) has a net interest margin (NIM) of 2.3%. NIM has been under pressure due to interest rate environment.
What is First Seacoast Bancorp's efficiency ratio?
First Seacoast Bancorp (FSEA) has an efficiency ratio of 58.9%. This is reasonable for a bank.