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FIRST SEACOAST BANCORP INC (FSEA) Stock Fundamental Analysis

NASDAQ:FSEA - Nasdaq - US33631F1049 - Common Stock - Currency: USD

10.98  +0.05 (+0.46%)

Fundamental Rating

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We assign a fundamental rating of 1 out of 10 to FSEA. FSEA was compared to 402 industry peers in the Banks industry. Both the profitability and financial health of FSEA have multiple concerns. FSEA does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

FSEA had negative earnings in the past year.
In the past year FSEA has reported a negative cash flow from operations.
In multiple years FSEA reported negative net income over the last 5 years.
FSEA had a positive operating cash flow in 4 of the past 5 years.
FSEA Yearly Net Income VS EBIT VS OCF VS FCFFSEA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 0 -5M -10M

1.2 Ratios

FSEA has a Return On Assets of -1.46%. This is amonst the worse of the industry: FSEA underperforms 97.76% of its industry peers.
Looking at the Return On Equity, with a value of -13.34%, FSEA is doing worse than 97.51% of the companies in the same industry.
Industry RankSector Rank
ROA -1.46%
ROE -13.34%
ROIC N/A
ROA(3y)-0.48%
ROA(5y)-0.24%
ROE(3y)-4.27%
ROE(5y)-2.23%
ROIC(3y)N/A
ROIC(5y)N/A
FSEA Yearly ROA, ROE, ROICFSEA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 0 -5 -10 -15

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for FSEA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FSEA Yearly Profit, Operating, Gross MarginsFSEA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 0 -20 -40 -60 -80 -100

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2. Health

2.1 Basic Checks

FSEA does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FSEA has been reduced compared to 1 year ago.
FSEA has less shares outstanding than it did 5 years ago.
FSEA has a worse debt/assets ratio than last year.
FSEA Yearly Shares OutstandingFSEA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 1M 2M 3M 4M 5M
FSEA Yearly Total Debt VS Total AssetsFSEA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M

2.2 Solvency

A Debt/Equity ratio of 0.33 indicates that FSEA is not too dependend on debt financing.
The Debt to Equity ratio of FSEA (0.33) is worse than 68.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.98%
FSEA Yearly LT Debt VS Equity VS FCFFSEA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 0 20M 40M 60M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FSEA Yearly Current Assets VS Current LiabilitesFSEA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2020 2022 2023 5M 10M 15M 20M

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3. Growth

3.1 Past

The earnings per share for FSEA have decreased strongly by -227.90% in the last year.
The Revenue for FSEA has decreased by -17.42% in the past year. This is quite bad
Measured over the past years, FSEA shows a decrease in Revenue. The Revenue has been decreasing by -5.59% on average per year.
EPS 1Y (TTM)-227.9%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%105.14%
Revenue 1Y (TTM)-17.42%
Revenue growth 3Y-13.59%
Revenue growth 5Y-5.59%
Sales Q2Q%16.28%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
FSEA Yearly Revenue VS EstimatesFSEA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M
FSEA Yearly EPS VS EstimatesFSEA Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for FSEA. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
FSEA Price Earnings VS Forward Price EarningsFSEA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FSEA Per share dataFSEA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for FSEA!.
Industry RankSector Rank
Dividend Yield N/A

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FIRST SEACOAST BANCORP INC

NASDAQ:FSEA (3/7/2025, 8:00:01 PM)

10.98

+0.05 (+0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-08 2024-11-08/bmo
Earnings (Next)03-27 2025-03-27
Inst Owners25.23%
Inst Owner Change-17.53%
Ins Owners6.3%
Ins Owner Change2.7%
Market Cap51.61M
Analysts0
Price TargetN/A
Short Float %0.51%
Short Ratio1.75
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 4.53
P/FCF N/A
P/OCF N/A
P/B 0.78
P/tB 0.78
EV/EBITDA N/A
EPS(TTM)-1.89
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.62
FCFYN/A
OCF(TTM)-0.57
OCFYN/A
SpS2.42
BVpS14
TBVpS14
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.46%
ROE -13.34%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-0.48%
ROA(5y)-0.24%
ROE(3y)-4.27%
ROE(5y)-2.23%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 54.63%
Cap/Sales 2.02%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC8.98%
ROIC/WACCN/A
Cap/Depr(3y)32.73%
Cap/Depr(5y)41.61%
Cap/Sales(3y)1.52%
Cap/Sales(5y)1.79%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-227.9%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%105.14%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-17.42%
Revenue growth 3Y-13.59%
Revenue growth 5Y-5.59%
Sales Q2Q%16.28%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-296.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-269.62%
OCF growth 3YN/A
OCF growth 5YN/A