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FSEA

BEARISH
$12.75 Live
First Seacoast Bancorp, Inc. · NASDAQ
$10.13 52W Range $15.0

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 10, 2026
Market cap
$59.88M
P/E
N/A
ROE
-1.3%
Profit margin
-5.5%
Debt/Equity
N/A
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
85%
FSEA exhibits severe fundamental weakness, highlighted by a Piotroski F-Score of 2/9, indicating poor financial health and deteriorating operational efficiency. While the company shows strong top-line revenue growth of 20.20% and trades at a discount to book value (P/B 0.87), this is offset by negative profit margins (-5.47%) and negative ROE (-1.35%). The combination of a bearish technical trend, negative profitability, and weak insider sentiment suggests a high-risk profile despite the low valuation.

Key Strengths

Strong YoY revenue growth of 20.20%
Positive Q/Q revenue growth of 20.35%
Trading below book value (P/B 0.87)
Positive long-term price performance (3Y Change +47.9%)
Micro-cap agility in regional banking niche

Key Risks

Critical financial health failure (Piotroski F-Score 2/9)
Negative profitability (Profit Margin -5.47%)
Negative Return on Equity (-1.35%) and Return on Assets (-0.14%)
Bearish technical trend (0/100)
Lack of analyst coverage and institutional visibility
AI Fair Value Estimate
Based on comprehensive analysis
$11.5
-9.8% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
33
Weak
Value
45
Future
40
Past
60
Health
20
Dividend
0
AI Verdict
High Risk / Speculative
Key drivers: Piotroski F-Score, Negative ROE, Revenue Growth, P/B Ratio
Confidence
80%
Value
45/100

Ref P/B 0.87; Graham Number N/A

Positives
  • P/B ratio of 0.87 suggests the stock is undervalued relative to assets
Watchpoints
  • Lack of earnings makes P/E and PEG ratios unavailable
  • Value trap risk due to negative profitability
Future
40/100

Ref Revenue Growth 20.20%

Positives
  • Strong revenue growth trajectory (>20%)
Watchpoints
  • Inability to convert revenue growth into net income
  • Bearish technical trend
Past
60/100

Ref 1Y Change +16.1%, 3Y Change +47.9%

Positives
  • Consistent positive returns over 1Y, 3Y, and 5Y horizons
Watchpoints
  • Recent 1-month performance is slightly negative
Health
20/100

Ref Piotroski F-Score 2/9

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score of 2/9 is critically low
  • Negative ROA and ROE
Dividend
0/100

Ref Dividend Yield N/A

Positives
No standout positives identified.
Watchpoints
  • No dividend payments
  • 0/100 dividend strength score

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$12.75

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for FSEA and closest competitors.

Updated 2026-04-09
FSE
First Seacoast Bancorp, Inc.
Primary
5Y
+12.2%
3Y
+47.9%
1Y
+16.1%
6M
+10.4%
1M
-0.9%
1W
+1.0%
BEN
Beneficient
Peer
5Y
-99.9%
3Y
-99.9%
1Y
-11.3%
6M
+44.6%
1M
-50.6%
1W
-7.5%
AAM
Atlantic American Corporation
Peer
5Y
-31.8%
3Y
+22.1%
1Y
+100.9%
6M
-15.6%
1M
+7.8%
1W
+5.7%
ASR
AmeriServ Financial, Inc.
Peer
5Y
+19.3%
3Y
+8.7%
1Y
+54.1%
6M
+30.0%
1M
+16.2%
1W
-1.3%
GEG
Great Elm Group, Inc.
Peer
5Y
-18.4%
3Y
-11.1%
1Y
+6.4%
6M
-19.0%
1M
-3.9%
1W
+5.8%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.87
P/S Ratio
3.88
EV/Revenue
6.59
EV/EBITDA
N/A
Market Cap
$59.88M

Profitability

Profit margins and return metrics

Profit Margin -5.47%
Operating Margin -0.27%
Gross Margin N/A
ROE -1.35%
ROA -0.14%

Growth

Revenue and earnings growth rates

Revenue Growth +20.2%
Earnings Growth N/A
Q/Q Revenue Growth +20.35%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$2.99

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
-2.2%
Total Assets
$0.6B
Liabilities
$0.5B
Equity
$0.1B
Debt/Equity
8.43x
Operating CF
$-0.0B
CapEx
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
110%

Financial Services Sector Comparison

Comparing FSEA against 306 companies in the Financial Services sector (53 bullish, 132 neutral, 121 bearish)
Return on Equity (ROE)
-1.35%
This Stock
vs
-0.93%
Sector Avg
+45.1% (Excellent)
Profit Margin
-5.47%
This Stock
vs
69.73%
Sector Avg
-107.8% (Weaker)
Revenue Growth
20.2%
This Stock
vs
32.66%
Sector Avg
-38.2% (Slower)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

DONOVAN RICHARD M
President
Buy
2025-12-09
2,322 shares · $28,396
JEAN THOMAS J
Director
Sell
2025-11-18
3,450 shares · $39,099
Insider transactions can signal confidence or concerns about company prospects

Past News Coverage

Recent headlines mentioning FSEA from our newsroom.

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