First Seacoast Bancorp (FSEA)
Valuation Overview•Is First Seacoast Bancorp Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
Fragile underlying quality score of 29/100; weak margins or elevated debt leverage warrant caution.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Mixed fundamental profile with offsetting strengths and weaknesses.
Wall Street sentiment is generally neutral. However, capital return yields remain modest, driven predominantly by aggressive share repurchases.
Returns capital exclusively via buybacks — no active dividend
FSEA struggles with subpar profitability and pressured margins. This is paired with a moderately leveraged but stable balance sheet.
The company maintains stable top-line performance paired with stable bottom-line earnings. However, profitability remains a major concern with severely compressed operating margins (-3.8%).
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $6.9M | +7.7% | — | — | — | |
| EBITDA | -$235K | — | -33.1% | — | — | |
| Net Income | -$508K | -64.7% | -14.4% | — | — | |
| EPS (Diluted) | $-0.12 | -91.7% | — | — | — | |
| Free Cash Flow | $201K | +109.9% | -27.7% | -21.5% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 54.7% | 51.0% | 66.9% | 72.9% |
| Operating Margin | -3.8% | -13.9% | -5.8% | -0.6% |
| Net Margin | -2.6% | -20.9% | -10.2% | -3.6% |
| FCF Margin | -0.0% | -7.9% | -1.0% | 1.6% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | — | $-0.12 | — | ||
| Q1'26 | — | $-0.05 | — | ||
| Q4'25 | — | $0.08 | — | ||
| Q3'25 | — | $-0.13 | — | ||
| Q2'25 | — | $-0.14 | — | ||
| Q1'25 | — | $-0.31 | — | ||
| Q4'24 | — | $0.01 | — | ||
| Q3'24 | — | $0.42 | — |
Total return is +48.6% (1Y), outperforming the benchmark by +27.8%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +30.5% | +23.2% | — |
| 1Y | +48.6% | +27.8% | — |
| 3YCAGR | +28.7% | +9.3% | — |
| 5YCAGR | +7.4% | -4.0% | — |
| 10YCAGR | +3.8% | -9.9% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about First Seacoast Bancorp (FSEA) valuation, health, and returns.
Based on peer relative multiples, First Seacoast Bancorp appears Limited: Cheap versus peers compared to industry peers.
First Seacoast Bancorp has multiple valuation anchors: Peer Relative Fair Value: $20.93. A convergence of these signals offers higher conviction.
First Seacoast Bancorp displays weak financial health with a composite quality score of 29/100, supported by a Piotroski F-Score of 6/9, Return on Invested Capital (ROIC) of -0.9%.
First Seacoast Bancorp returns capital via buybacks instead of dividends, carrying a 1.2% buyback yield and reducing outstanding shares by -15.2% in the last 12 months.
First Seacoast Bancorp's current growth trajectory is Stable. The company achieved +7.7% 1Y revenue growth and -91.7% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 0 analysts. The consensus price target represents a N/A change from current levels.
Investment risks for First Seacoast Bancorp include: -21.5% 1-year max drawdown. Volatility risk is characterized by a beta of 0.18x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.