First Seacoast Bancorp (FSEA) AI Stock Analysis
FSEA AI stock analysis summary
AI ResearchFirst Seacoast Bancorp (FSEA) is the holding company for First Seacoast Bank, providing community banking and wealth management services across New Hampshire. The company generated $28.7M in revenue in FY2025 with a 5-year revenue CAGR of 10.2%, but reported a net loss of -$845,000. Over the trailing twelve months, revenue totaled $16.2M with diluted EPS of -$0.02 while maintaining a net cash balance of $94.4M.
- Market cap
- $81.2M
- Revenue (TTM)
- $16.2M
- P/E
- —
- 1Y return
- 50.3% S&P 500 17.0%
- Avg. target
- —
Bull case
- The stock posted a 1-year return of 50.3%, substantially outpacing the S&P 500 return of 17.0%.
- First Seacoast Bancorp holds a net cash position of $94.4M, backed by $139.3M in cash and short-term investments as of June 30, 2026.
- Share buybacks totaled $981,000 in FY2025, contributing to a 5-year share count reduction of 20.4%.
Bear case
- The company has posted annual net losses in four consecutive fiscal years, including -$845,000 in FY2025 and -$10.7M in FY2023.
- The stock trades at a price-to-sales ratio of 5.0x, above the median of 3.2x for its US-listed Financial Services peers.
- Trailing twelve months operating margin was 2.4%, remaining well below the peer group median of 37.7%.
What First Seacoast Bancorp does
First Seacoast Bancorp, Inc. serves as the holding company for First Seacoast Bank, a financial institution based in Dover, New Hampshire, established in 1890. The bank provides consumer and commercial banking solutions, including checking accounts, savings accounts, money market accounts, and time deposits. Lending operations feature commercial real estate, multifamily dwelling units, commercial and industrial loans, residential mortgages, home equity loans, lines of credit, and consumer loans. Additionally, First Seacoast Bancorp delivers wealth management services such as retirement planning, portfolio management, insurance strategies, business retirement plans, and college planning.
Growth and profitability
Between FY2021 and FY2025, First Seacoast Bancorp increased annual revenue from $17.5M to $28.7M, recording a 5-year revenue CAGR of 10.2%. However, bottom-line performance fluctuated significantly. After achieving net income of $2.6M with an operating margin of 18.4% in FY2021, the company posted annual net losses over the next four years, including -$10.7M in FY2023 and -$845,000 in FY2025 with an operating margin of -5.2%. For the trailing twelve months ended June 30, 2026, revenue stood at $16.2M with an operating margin of 2.4% and diluted EPS of -$0.02. In the quarter ended June 30, 2026, quarterly revenue rose 8.2% year-over-year while quarterly earnings grew 700.0%.
Balance sheet and cash flow
As of June 30, 2026, First Seacoast Bancorp held $139.3M in cash and short-term investments against total debt of $44.8M, resulting in net cash of $94.4M. Shareholders' equity stood at $63.8M against total assets of $576.1M, with a current ratio of 0.31 and a debt-to-equity ratio of 0.70. For FY2025, the company generated operating cash flow of $449,000 and free cash flow of $329,000. Cash usage during FY2025 included $120,000 for capital expenditures and $981,000 for share buybacks, contributing to a 5-year share count change of -20.4%.
Valuation and performance
At a share price of $17.25, First Seacoast Bancorp carries a market capitalization of $81.2M and an enterprise value of $122.6M. The stock trades at a price-to-sales multiple of 5.0x and an EV-to-revenue multiple of 7.9x, both higher than the median of its US-listed Financial Services peers, which reflects a price-to-sales multiple of 3.2x. Its price-to-book ratio is 1.3x. Over the past year, FSEA shares gained 50.3%, outperforming the S&P 500 return of 17.0%, though its 5-year return of 47.4% lagged the benchmark return of 91.3%.
What analysts expect
First Seacoast Bancorp currently lacks published Wall Street analyst rating counts, consensus price targets, and forward earnings estimates. The company is scheduled to report its next earnings release on November 13, 2026. In the latest reported quarter ended June 30, 2026, quarterly earnings grew 700.0% year-over-year alongside quarterly revenue growth of 8.2%.
Key risks and what to watch
- Persistent unprofitability is reflected in trailing twelve months diluted EPS of -$0.02 and annual losses in four of the last five years.
- The current ratio stood at 0.31 as of June 30, 2026, indicating low liquid current assets relative to short-term obligations.
- Revenue contracted to $16.2M over the trailing twelve months compared to $28.7M reported in FY2025.
AI-generated research summary. Written with AI from Quotelinks data as of October 5, 2026 and checked so every figure matches that data. For information only, not investment advice. Disclaimer
About this FSEA AI stock analysis
This page is an AI-written research summary of First Seacoast Bancorp (FSEA). The text was generated on October 30, 2026 from Quotelinks data as of October 5, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.
Related: FSEA income statement, FSEA balance sheet, FSEA key metrics, FSEA chart. See the FSEA stock overview for the latest quote and news.
FSEA AI stock analysis FAQ
What was First Seacoast Bancorp's recent stock performance?
As of October 5, 2026, FSEA traded at its 52-week high of $17.25, reflecting a year-to-date return of 30.7% and a 1-year return of 50.3%.
What is First Seacoast Bancorp's net cash position?
As of June 30, 2026, the company held $139.3M in cash and short-term investments and $44.8M in total debt, giving it net cash of $94.4M.
How is First Seacoast Bancorp valued compared to its peer group?
FSEA trades at a price-to-sales multiple of 5.0x, above the median of 3.2x for its US-listed Financial Services peers, alongside a price-to-book multiple of 1.3x.
When is First Seacoast Bancorp's next earnings report?
The company is scheduled to report its next financial results on November 13, 2026.