FSEA

First Seacoast Bancorp

Financial Services Banks - Regional

Portfolio

Watchlist

None USD 0.00(0%)

Last update at 2026-11-12T15:36:45.814376Z

Market Cap

54.48M

Momentum Score

…

First Seacoast Bancorp, Inc. operates as the holding company for First Seacoast Bank that provides banking and wealth management services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts, as well as time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family real estate loans; acquisition, development, and land loans; commercial and industrial loans; and home equity loans and lines of credit, as well as 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 through a third-party registered broker-dealer and investment advisor. First Seacoast Bancorp, Inc. was founded in 1890 and is headquartered in Dover, New Hampshire.

Source: TradingView
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52 Week Price Range

10.13

Low

15.00

High

Momentum Score

…

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

AI Summary

Public information on First Seacoast Bancorp (NASDAQ: FSEA) is limited; it appears to be a regional bank holding company offering commercial and consumer lending, deposit-taking and related community banking services. Long-term growth drivers could include local loan growth, management of net interest margins and deposit stability, with fee-income diversification or modest M&A potentially supporting earnings over time.

Principal risks include credit quality deterioration and interest-rate volatility that can compress net interest margins and increase provisioning, along with competitive and regulatory pressures investors should monitor.

Risk Score

Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close

Dividend Yield

Revenue TTM

15.44M

Revenue Per Share

4.20

Gross Profit TTM

15.44M

Debt / Equity

0.91

ROE

-1.35%

Net Debt

44.25M

ROCE

-0.27%

Diluted EPS TTM

-0.23

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Type	yearly	yearly	yearly	yearly	yearly
Date	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Income before tax	-1.48M	0.01M	-6.71M	-1.02M	3.22M
Net income	-0.84M	-0.51M	-10.66M	-0.56M	2.62M
Selling general administrative	11.28M	9.98M	10.26M	11.15M	8.22M
Selling and marketing expenses	-	0.42M	0.53M	0.60M	0.36M
Gross profit	15.44M	13.22M	9.13M	15.57M	16.31M
Reconciled depreciation	0.32M	0.38M	0.48M	0.52M	0.56M
Ebit	-1.48M	0.01M	-6.71M	0.73M	3.22M
Ebitda	-1.17M	0.40M	-6.23M	1.25M	3.78M
Depreciation and amortization	0.32M	0.38M	0.49M	0.52M	0.56M
Operating income	-1.48M	0.01M	-6.71M	0.73M	3.22M
Other operating expenses	30.22M	26.67M	25.11M	1.58M	13.09M
Interest expense	13.30M	13.53M	9.08M	1.75M	1.24M
Tax provision	-0.64M	0.53M	-1.28M	-0.45M	0.60M
Interest income	26.80M	25.20M	19.02M	16.49M	15.47M
Net interest income	13.50M	11.67M	12.04M	14.74M	14.24M
Income tax expense	-0.64M	0.53M	3.94M	-0.45M	0.60M
Total revenue	28.74M	26.68M	18.39M	15.57M	16.31M
Total operating expenses	16.92M	13.21M	15.84M	1.58M	-13.09M
Cost of revenue	13.30M	13.46M	9.27M	-	-
Total other income expense net	-	2.52M	-1.46M	-1.75M	-1.24M
Net income from continuing ops	-0.84M	-0.51M	-2.59M	-0.56M	2.62M
Net income applicable to common shares	-	-	-	-0.56M	2.62M

Breakdown	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Type	yearly	yearly	yearly	yearly	yearly
Date	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Total assets	599.29M	580.78M	571.03M	537.42M	487.07M
Intangible assets	0.32M	0.63M	0.66M	-	-
Other current assets	-	-	8.36M	2.52M	1.50M
Total liab	535.75M	518.73M	73.01M	99.40M	29.46M
Total stockholder equity	63.55M	62.05M	66.62M	49.34M	60.47M
Deferred long term liab	-	-	-	1.83M	-
Other current liab	-	453.55M	321.70M	481.76M	0.65M
Common stock	0.05M	0.05M	0.05M	0.06M	0.06M
Capital stock	0.05M	0.05M	0.05M	0.06M	0.06M
Retained earnings	24.24M	25.08M	25.60M	36.25M	36.81M
Other liab	-	-	-	-	3.25M
Other assets	431.37M	451.36M	424.71M	418.89M	290.40M
Cash	13.41M	7.10M	6.07M	9.00M	7.88M
Total current liabilities	50.67M	454.21M	362.97M	481.76M	406.16M
Net debt	44.25M	45.17M	66.94M	90.40M	21.58M
Short term debt	50.67M	1.17M	41.27M	-	-
Short long term debt total	57.66M	52.27M	73.01M	99.40M	29.46M
Other stockholder equity	44.09M	43.96M	46.91M	22.75M	22.87M
Property plant equipment	-	-	-	4.18M	4.57M
Total current assets	167.93M	129.42M	20.40M	8.25M	100.75M
Long term investments	152.41M	120.22M	121.85M	505.02M	91.36M
Net tangible assets	-	-	-	49.34M	60.12M
Short term investments	152.41M	120.22M	121.85M	106.10M	91.36M
Net receivables	2.11M	2.10M	2.29M	1.99M	1.50M
Long term debt	52.31M	52.27M	73.01M	99.40M	29.46M
Inventory	-	-	-10.66M	-	-
Accounts payable	-	-	-	382.36M	393.24M
Accumulated other comprehensive income	-4.84M	-7.04M	-5.94M	-9.73M	0.72M
Common stock total equity	-	-	-	0.06M	-
Retained earnings total equity	-	-	-	36.25M	-
Treasury stock	-	-	-	-1.38M	-
Non currrent assets other	15.00M	15.12M	-125.93M	-110.28M	-95.93M
Non current assets total	431.37M	451.36M	125.93M	110.28M	95.93M

Breakdown	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Type	yearly	yearly	yearly	yearly	yearly
Date	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Investments	-29.56M	-2.51M	-34.21M	4.38M	-36.06M
Change to liabilities	-	-	-	1.72M	0.31M
Total cashflows from investing activities	-9.86M	-2.51M	-39.49M	-58.07M	-43.50M
Net borrowings	-0.02M	-39.23M	-6.39M	-1.79M	-22.86M
Total cash from financing activities	15.72M	6.49M	39.22M	58.71M	41.72M
Change to operating activities	-	-	-	-0.47M	-1.51M
Net income	-0.84M	-0.51M	-10.66M	-0.56M	2.62M
Change in cash	6.31M	1.03M	-2.18M	1.61M	0.64M
Begin period cash flow	7.10M	6.07M	8.25M	6.64M	6.00M
End period cash flow	13.41M	7.10M	6.07M	8.25M	6.64M
Total cash from operating activities	0.45M	-2.95M	-1.92M	0.97M	2.42M
Issuance of capital stock	-	0.00M	25.62M	-	-
Depreciation	0.70M	0.38M	0.49M	0.52M	0.56M
Other cashflows from investing activities	19.82M	-1.25M	-25.45M	-62.35M	0.11M
Change to account receivables	-0.01M	0.19M	-0.31M	-0.49M	-0.09M
Sale purchase of stock	-0.98M	-3.70M	-0.00M	-0.63M	-0.52M
Other cashflows from financing activities	16.72M	49.42M	19.99M	61.60M	155.90M
Change to netincome	-	-	-	-0.07M	0.53M
Capital expenditures	0.12M	0.37M	0.35M	0.10M	0.04M
Change receivables	-	-	-	-0.49M	-
Cash flows other operating	-	-	-	-1.15M	-
Cash and cash equivalents changes	-	-	-	1.61M	-
Change in working capital	0.51M	-1.96M	-0.70M	-0.95M	-1.60M
Stock based compensation	0.94M	0.79M	0.68M	0.51M	0.16M
Other non cash items	-0.06M	-2.05M	4.42M	1.76M	0.37M
Free cash flow	0.33M	-3.32M	-2.26M	0.87M	2.38M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name	Change (USD)	Price (USD)	Trailing PE (x)	Forward PE (x)	Price Sales TTM (x)	Price to Book Value (x)	Enterprise Value to Revenue (x)
DBSDY DBS Group Holdings Ltd ADR	-0.76 0.34%	219.92	20.00	17.57	7.54	3.17	13.19
CIHHF China Merchants Bank Co Ltd Class H	- -%	6.62	7.70	7.10	0.55	0.83	3.51
CIHKY China Merchants Bank Co Ltd	0.28 0.82%	34.49	7.79	7.20	0.55	0.85	3.51
UNCFF UniCredit SpA	-0.46 0.49%	92.86	11.53	10.27	5.72	1.83	8.22

Profile*

First Seacoast Bancorp

Address

633 Central Avenue, Dover, NH, United States, 03820

Contact

603 742 4680

Website

https://www.firstseacoastbank.com

Employees

Name	Title	Year Born
Mr. James R. Brannen	Pres, CEO & Director	1961
Mr. Richard M. Donovan	Sr. VP & CFO	1966
Mr. Timothy F. Dargan	Sr. VP & Sr. Commercial Loan Officer	1961
Attorney Michael J. Bolduc	Corp. Sec. & Independent Director	1971
Mr. Bradley Barbin	Sr. VP & Chief Information Officer	NA
Tiffany Melanson	VP of Marketing & PR	NA
Sharon A. Zacharias	Sr. VP & HR Director	NA
Mr. John E. Swenson	Sr. VP of Bank Admin. & Risk Management Officer	NA
Jean Tremblay	Sr. VP & Sr. Retail Loan Officer	NA
Mr. James R. Brannen	President & CEO	1961

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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