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First Seacoast Bancorp(NASDAQ) FSEA

Current Price$16.91
Market Cap$79.26MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2019)+45%
5 Year+47%
1 Year+44%
1 Month-0%
First Seacoast Bancorp last closing stock price
MetricPriceDate
Last closeUSD 16.892026-07-23
First Seacoast Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.06%USD 16.882026-07-16
1 month-0.03%USD 16.902026-06-23
3 month+50.53%USD 11.222026-04-24
Year to date+27.95%USD 13.202025-12-31
1 year+43.74%USD 11.752025-07-23
3 year+108%USD 8.122023-07-24
5 year+47.05%USD 11.492021-07-23
Since inception+44.79%USD 11.672019-07-17

First Seacoast Bancorp Financials at a Glance

Market Cap

$79.26MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$28.70M

Net Income (TTM)

-$750.00K

EPS (TTM)

-$0.21

P/E Ratio

-82.23

Dividend

$0.00

Beta (Volatility)

0.23 (Low)

Price

$16.91

Volume

17

Open

$16.91

Previous Close

$16.91

Daily Range

$16.91 - $16.91

52-Week Range

$10.13 - $17.00

Estimated Earnings Date

May 15, 2026

FSEA News

No articles available.

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About First Seacoast Bancorp

First Seacoast Bancorp helps people and businesses manage money and access loans. Its services include checking accounts, savings, and home or business loans. Customers use these products for daily banking and long-term financial planning.

Products and Services

  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses (revenue breakdown not disclosed).
  • Residential Loans: Home mortgages made up 63.2% of the loan portfolio, and home equity loans comprised 4.9%.
  • Commercial Lending: Loans for real estate, business operations, and development, totaling 27.7% of loans.
  • Wealth Management: Retirement planning, investment advice, and insurance strategies for individuals and businesses (assets under management: $153.5 million).
  • Consumer Loans: Personal loans for cars, education, or other needs, representing 3% of loans.

Growth and Expansion

  • Acquired client accounts from an investment advisory firm, with transition completed in June 2023 and included in assets under management as of December 2025.
  • Completed a sale-leaseback of four branch properties in June 2024, raising $7.5 million.
  • Launched a stock repurchase program, buying back 494,379 shares by December 2025.
  • Increased focus on commercial lending and diversified loan portfolio since 2023.

What Makes First Seacoast Bancorp Stand Out

The company focuses on local markets, tailoring services to community needs. It maintains conservative lending standards, resulting in low non-performing loans. Wealth management expansion and a diversified loan mix support its adaptability.

Five Things You Need to Know

  • Total assets were $599.3 million at December 31, 2025, up 3.2% year-over-year.
  • Net interest and dividend income was $13.69 million in 2025, up 15.0% from 2024.
  • Non-interest income fell 55.1% in 2025 due to a one-time gain in 2024.
  • Net loss was $(845,000) in 2025, compared to $(513,000) in 2024.

Bottom Line

First Seacoast Bancorp has evolved by expanding wealth management and diversifying lending. Its focus on local markets and conservative risk management shapes its business model.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

72

CEO

James R Brannen, MBA

Website

www.firstseacoastbank.com

Headquarters

Dover, NH 03820, US

FSEA Financials

Key Financial Metrics (TTM)

Gross Margin

54.73%

Operating Margin

-3.78%

Net Income Margin

-2.61%

Return on Equity

-1.20%

Return on Capital

-1.22%

Return on Assets

-0.13%

Earnings Yield

-1.22%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$79.26MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

4.69M

Volume

17

Avg. Volume

38.13K

Financials (TTM)

Gross Profit

$15.71M

Operating Income

-$1.09M

EBITDA

-$765.00K

Operating Cash Flow

$423.00K

Capital Expenditure

-$435.00K

Free Cash Flow

-$12.00K

Cash & ST Invst.

$119.15M

Total Debt

$52.31M

First Seacoast Bancorp Performance Analysis

First Seacoast Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 17,498,000-1.4%
20232023-12-31USD 18,583,0006.2%
20242024-12-31USD 26,813,00044.3%
20252025-12-31USD 28,739,0007.2%
First Seacoast Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-305.7%
Q32025-09-303.7%
Q42025-12-31-1.3%
Q12026-03-31-5.7%
First Seacoast Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD -0.12N/A
20232023-12-31USD -2.291854.9%
20242024-12-31USD -0.12-94.8%
20252025-12-31USD -0.2394.3%
First Seacoast Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-307.1%
Q32025-09-30161.5%
Q42025-12-31-125.5%
Q12026-03-31-488.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$6.88M

+2.0%

Gross Profit

$3.93M

+12.8%

Gross Margin

57.19%

N/A

Market Cap

$79.26MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.10M

N/A

Employees

72

N/A

Net Income

-$508.00K

+15.8%

EBITDA

-$151.00K

+72.6%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$119.15M

+30.3%

Total Debt

$52.31M

-17.5%

Accounts Receivable

$2.18M

+4.0%

Inventory

$0.00

N/A

Long Term Debt

$52.31M

-17.5%

Short Term Debt

$0.00

N/A

Return on Assets

-0.13%

N/A

Return on Invested Capital

-0.85%

N/A

Free Cash Flow

$201.00K

-62.9%

Operating Cash Flow

$547.00K

-4.5%

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Questions About FSEA

What is the current price of First Seacoast Bancorp?

First Seacoast Bancorp is trading at $16.91 per share.

What is the 52-week range for First Seacoast Bancorp?

Over the past 52 weeks, First Seacoast Bancorp has traded between $10.13 and $17.00.

How much debt does First Seacoast Bancorp have?

As of the most recent reporting period, First Seacoast Bancorp reported total debt of $57.66M.

How much cash does First Seacoast Bancorp have on hand?

First Seacoast Bancorp does not have cash on hand data available.

What is First Seacoast Bancorp’s dividend yield?

First Seacoast Bancorp does not currently have a dividend yield.

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