First Seacoast Bancorp (FSEA) Key Metrics
FSEA valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $81.2M
- Enterprise value
- $122.6M
- P/E (TTM)
- —
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 5.0 10-yr median 1.9
- Price / book
- 1.3 10-yr median 0.8
- EV / EBITDA
- — 10-yr median 19.9
- Dividend yield
- —
- Beta
- 0.09
FSEA key metrics, 2017–2025
Fiscal year ended December 31, 2025 · U.S. dollarsFSEA valuation Price multiples at each fiscal year-end price.
Price / sales+3.5%
1.7
2025 · hover or tap a bar for each year
20172025
Price / book+8.9%
0.8
2025 · hover or tap a bar for each year
20172025
Price / free cash flow
147.5
2025 · hover or tap a bar for each year
20172025
Free cash flow yield+8.3 pts
0.7%
2025 · hover or tap a bar for each year
20172025
FSEA returns How much profit the business earns on the capital it uses.
Return on equity−0.5 pts
−1.3%
2025 · hover or tap a bar for each year
20172025
Return on assets−0.1 pts
−0.1%
2025 · hover or tap a bar for each year
20172025
Free cash flow margin+13.6 pts
1.1%
2025 · hover or tap a bar for each year
20172025
Asset turnover+5.1%
0.05
2025 · hover or tap a bar for each year
20172025
FSEA per-share figures Results divided by the shares outstanding at year-end.
Revenue per share+27.0%
$7.82
2025 · hover or tap a bar for each year
20172025
Earnings per share
−$0.23
2025 · hover or tap a bar for each year
20172025
Free cash flow per share
$0.09
2025 · hover or tap a bar for each year
20172025
Book value per share+20.8%
$17.28
2025 · hover or tap a bar for each year
20172025
Shares outstanding−15.2%
3.7M
2025 · hover or tap a bar for each year
20172025
FSEA financial health Debt, liquidity and how easily interest is covered.
Debt / equity+7.7%
0.91
2025 · hover or tap a bar for each year
20172025
Net debt−$33.1M
−$108.2M
2025 · hover or tap a bar for each year
20172025
Current ratio+1,063.1%
3.31
2025 · hover or tap a bar for each year
20172025
Interest coverage
-0.1
2025 · hover or tap a bar for each year
20172025
Debt / assets+6.9%
0.10
2025 · hover or tap a bar for each year
20172025
FSEA efficiency & capital use Working capital cycle and where the cash goes.
Days sales outstanding−3 days
27 days
2025 · hover or tap a bar for each year
20172025
Capex / revenue−1.0 pts
0.4%
2025 · hover or tap a bar for each year
20172025
Dividends + buybacks / FCF
298.2%
2025 · hover or tap a bar for each year
20172025
FSEA valuation history
Fiscal year-endToday9-year median
FSEA returns on capital
ROEROICROA
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
FSEA debt vs cash
Total debtCash & short-term investments
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
FSEA cash returned to shareholders
DividendsBuybacksFree cash flow
FSEA price vs earnings per share
Share price at year-endEPS (right axis)
FSEA key metrics
2017–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|
| Valuation | |||||||||
| Market capitalization | $48.5M | $43.5M | $35.8M | $55.1M | $74.3M | $62.3M | $30.4M | — | — |
| Enterprise value | −$59.6M | −$31.5M | −$19.2M | $39.4M | $4.5M | $32.5M | $45.1M | — | — |
| P/E ratio | — | — | — | — | 28.3 | 57.8 | — | — | — |
| Price / sales | 1.7 | 1.6 | 1.9 | 3.2 | 4.2 | 3.5 | 1.8 | — | — |
| Price / book | 0.8 | 0.7 | 0.5 | 1.1 | 1.2 | 1.1 | 0.5 | — | — |
| Price / free cash flow | 147.5 | — | — | 63.3 | 31.1 | 56.4 | 39.4 | — | — |
| Price / operating cash flow | 108.1 | — | — | 56.6 | 30.7 | 43.9 | 28.7 | — | — |
| EV / sales | -2.1 | -1.2 | -1.0 | 2.3 | 0.3 | 1.8 | 2.7 | — | — |
| EV / EBITDA | — | — | — | — | 1.2 | 19.9 | 173.3 | — | — |
| EV / free cash flow | — | — | — | 45.3 | 1.9 | 29.4 | 58.4 | — | — |
| Earnings yield | −1.7% | −1.2% | −29.8% | −1.0% | 3.5% | 1.7% | −0.3% | — | — |
| Free cash flow yield | 0.7% | −7.6% | −6.3% | 1.6% | 3.2% | 1.8% | 2.5% | — | — |
| Dividend yield | — | — | — | — | — | — | 7.9% | — | — |
| Shareholder yield (dividends + buybacks) | 2.0% | 8.5% | 0.0% | 1.1% | 0.7% | 0.4% | 15.7% | — | — |
| Share price at fiscal year-end | $13.20 | $10.04 | $7.69 | $11.43 | $12.77 | $10.62 | $11.27 | — | — |
| Per share | |||||||||
| Revenue per share | $7.82 | $6.16 | $3.95 | $3.59 | $3.02 | $3.01 | $6.24 | $5.85 | $5.33 |
| Earnings per share | −$0.23 | −$0.12 | −$2.29 | −$0.12 | $0.45 | $0.18 | −$0.03 | $0.40 | $0.34 |
| Operating cash flow per share | $0.12 | −$0.68 | −$0.41 | $0.20 | $0.42 | $0.24 | $0.39 | −$0.25 | $1.26 |
| Free cash flow per share | $0.09 | −$0.76 | −$0.49 | $0.18 | $0.41 | $0.19 | $0.29 | −$0.32 | $0.73 |
| Cash per share | $45.10 | $29.37 | $27.50 | $23.88 | $17.06 | $10.90 | $19.12 | $19.35 | $14.76 |
| Book value per share | $17.28 | $14.31 | $14.32 | $10.24 | $10.39 | $10.04 | $21.18 | $12.23 | $11.92 |
| Tangible book value per share | $17.20 | $14.17 | $14.18 | $10.09 | $10.28 | −$0.27 | $21.03 | $12.05 | $11.74 |
| Dividends per share | — | — | — | — | — | — | $0.89 | $0.00 | $0.00 |
| Capex per share | $0.03 | $0.08 | $0.08 | $0.02 | $0.01 | $0.05 | $0.11 | $0.07 | $0.52 |
| Debt per share | $15.68 | $12.06 | $15.70 | $20.62 | $5.06 | $5.82 | $24.58 | $28.29 | $26.98 |
| Shares outstanding | 3.7M | 4.3M | 4.7M | 4.8M | 5.8M | 5.9M | 2.7M | 2.7M | 2.7M |
| Change in shares outstanding | −15.2% | −6.8% | −3.5% | −17.1% | −0.8% | +117.7% | +0.7% | 0.0% | — |
| Returns & profitability | |||||||||
| Return on equity (ROE) | −1.3% | −0.8% | −18.4% | −1.0% | 4.4% | 1.9% | −0.2% | 3.3% | 2.9% |
| Return on invested capital (ROIC) | — | — | −23.4% | −6.6% | — | 2.1% | −0.3% | 1.8% | 1.4% |
| Return on assets (ROA) | −0.1% | −0.1% | −1.9% | −0.1% | 0.6% | 0.3% | −0.0% | 0.3% | 0.3% |
| Return on tangible assets | −0.1% | −0.1% | −1.9% | −0.1% | 0.5% | 0.3% | −0.0% | 0.3% | 0.3% |
| Free cash flow margin | 1.1% | −12.4% | −12.3% | 5.0% | 13.6% | 6.3% | 4.6% | −5.4% | 13.8% |
| Income quality (OCF / net income) | — | — | — | — | 0.92 | 1.32 | — | −0.62 | 3.69 |
| Financial health | |||||||||
| Total debt | $57.7M | $52.3M | $73.0M | $99.4M | $29.5M | $34.1M | $66.2M | $75.7M | $72.2M |
| Cash & short-term investments | $165.8M | $127.3M | $127.9M | $115.1M | $99.2M | $64.0M | $51.5M | $51.8M | $39.5M |
| Net debt | −$108.2M | −$75.0M | −$54.9M | −$15.7M | −$69.8M | −$29.8M | $14.7M | $23.9M | $32.7M |
| Debt / equity | 0.91 | 0.84 | 1.10 | 2.01 | 0.49 | 0.58 | 1.16 | 2.31 | 2.26 |
| Debt / assets | 0.10 | 0.09 | 0.13 | 0.18 | 0.06 | 0.08 | 0.16 | 0.20 | 0.20 |
| Net debt / EBITDA | — | −188.57 | — | — | −18.45 | −18.29 | 56.50 | 12.94 | 15.05 |
| Current ratio | 3.31 | 0.28 | 0.32 | 0.31 | 0.26 | 0.20 | 0.19 | 0.19 | 0.16 |
| Quick ratio | 3.31 | 0.28 | 0.35 | 0.34 | 0.28 | 0.23 | 0.22 | 0.24 | 0.20 |
| Interest coverage | -0.1 | 0.0 | -0.7 | -0.6 | 2.6 | 0.3 | -0.1 | 0.4 | 0.9 |
| Working capital | $117.3M | −$324.8M | −$274.6M | −$265.3M | −$292.5M | −$262.0M | −$228.9M | −$221.5M | −$215.4M |
| Invested capital | −$44.6M | −$13.0M | $11.7M | $33.6M | −$9.3M | $29.0M | $71.8M | $56.7M | $64.6M |
| Tangible asset value | $63.2M | $61.4M | $66.0M | $48.7M | $59.8M | −$1.6M | $56.7M | $32.2M | $31.4M |
| Net current asset value | −$367.8M | −$389.3M | −$374.2M | −$371.0M | −$325.9M | −$318.8M | −$299.7M | −$301.4M | −$287.3M |
| Graham number | — | — | — | — | $10.26 | $6.45 | — | $10.54 | $9.56 |
| Graham net-net per share | −$100.19 | −$89.92 | −$81.73 | −$78.41 | −$56.88 | −$55.27 | −$112.81 | −$115.24 | −$109.60 |
| Capital allocation | |||||||||
| Dividends paid | — | — | — | — | — | — | $2.4M | $0 | $0 |
| Share buybacks (net) | $981,000 | $3.7M | $4,000 | $629,000 | $515,000 | $233,000 | $2.4M | $0 | $0 |
| Dividend payout ratio | — | — | — | — | — | — | — | 0.0% | 0.0% |
| Dividends + buybacks / free cash flow | 298.2% | — | — | 72.3% | 21.6% | 21.1% | 618.7% | — | 0.0% |
| Capex / revenue | 0.4% | 1.4% | 1.9% | 0.6% | 0.2% | 1.8% | 1.7% | 1.1% | 9.8% |
| Capex / operating cash flow | 26.7% | — | — | 10.6% | 1.5% | 22.2% | 27.2% | — | 41.5% |
| Capex / depreciation | 0.38 | 0.96 | 0.72 | 0.20 | 0.06 | 0.55 | 0.55 | 0.33 | 2.49 |
| Stock-based compensation / revenue | 3.9% | 2.9% | 3.7% | 3.0% | 0.9% | 0.5% | 0.6% | 0.6% | 0.0% |
| SG&A / revenue | 39.3% | 39.0% | 58.7% | 67.9% | 48.9% | 49.9% | 51.9% | 47.6% | 49.2% |
| Efficiency | |||||||||
| Days sales outstanding | 26.7 | 30.1 | 42.5 | 36.8 | 30.3 | 27.3 | 26.0 | 26.1 | 27.6 |
| Days of inventory on hand | — | — | -465.3 | -2,335.3 | -2,443.2 | -892.8 | -994.8 | -1,463.0 | -2,156.3 |
| Days payables outstanding | — | — | — | 81,023.5 | 91,329.1 | 30,416.5 | 25,737.1 | 30,407.4 | 46,004.9 |
| Cash conversion cycle (days) | — | — | — | -83,322.1 | -93,742.0 | -31,282.0 | -26,705.9 | -31,844.2 | -48,133.6 |
| Receivables turnover | 13.65 | 12.14 | 8.59 | 9.93 | 12.06 | 13.36 | 14.03 | 13.96 | 13.23 |
| Payables turnover | — | — | — | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
| Asset turnover | 0.05 | 0.05 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Average receivables | $2.1M | $2.2M | $2.1M | $1.7M | $1.5M | $1.3M | $1.2M | $1.1M | $1.1M |
| Average payables | — | — | — | $387.8M | $360.3M | $304.5M | $278.0M | $262.0M | $249.6M |
| Average inventory | — | — | −$11.8M | −$11.2M | −$9.6M | −$8.9M | −$10.7M | −$12.6M | −$11.7M |
| Intangibles / total assets | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 13.6% | 0.1% | 0.1% | 0.1% |
Computed from FSEA's annual financial statements (latest annual report filed March 20, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
FSEA valuation and financial ratios
First Seacoast Bancorp earned a return on equity of −1.3% in fiscal 2025. It ended the year with $57.7 million of debt and $165.8 million in cash and short-term investments, a net cash position of $108.2 million. It returned $1.0 million to shareholders: $0 in dividends and $1.0 million in share buybacks, 298% of free cash flow. The share count rose 37.3% from 2.7M to 3.7M over 8 years.
See the FSEA income statement, the FSEA chart for price history, or the FSEA stock overview for the latest quote and news.
FSEA key metrics FAQ
What is First Seacoast Bancorp's return on equity?
First Seacoast Bancorp's return on equity (ROE) was −1.3% in fiscal 2025: net income of -$0.8 million on average shareholders' equity of $62.8 million.
How much debt does First Seacoast Bancorp have?
First Seacoast Bancorp had total debt of $57.7 million at the end of fiscal 2025, a debt-to-equity ratio of 0.91 and more cash than debt.
Does First Seacoast Bancorp buy back its shares?
Yes. First Seacoast Bancorp spent $1.0 million on net share repurchases in fiscal 2025 Shares outstanding changed −15.2% over the year, to 3.7M..
What is First Seacoast Bancorp's free cash flow yield?
First Seacoast Bancorp generated $0.3 million of free cash flow in fiscal 2025, a free cash flow yield of 0.7% on its market value at year-end ($48.5 million).
What is First Seacoast Bancorp's current ratio?
First Seacoast Bancorp's current ratio was 3.31 at the end of fiscal 2025: current assets were 3.31 times current liabilities.