FSEA - NASDAQ
First Seacoast Bancorp
$16.80
+0.36%First Seacoast Bancorp operates as a holding company for First Seacoast Bank that provides various banking products and services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts; and time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family loans; acquisition, development, and land loans; commercial and industrial loans; home equity loans and lines of credit; and 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. It operates through its wealth management office located in Dover, New Hampshire; four full-service banking offices in Strafford County, New Hampshire; and one full-service banking office in Rockingham County, New Hampshire. The company was founded in 1890 and is headquartered in Dover, New Hampshire. First Seacoast Bancorp is a subsidiary of First Seacoast Bancorp, MHC.
At a Glance
Live SnapshotFirst Seacoast Bancorp Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Operating losses indicate the core business is unprofitable. Requires restructuring or revenue growth.
Net Profit Margin
Net losses indicate the company is burning cash. Sustainability depends on path to profitability.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
First Seacoast Bancorp Income Statement
FSEA • NASDAQ
| First Seacoast Bancorp Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 |
|---|---|---|---|---|---|---|---|---|---|
REVENUE | |||||||||
28.7M | 26.7M | 18.4M | 17.3M | 17.5M | 17.7M | 16.8M | 15.7M | 14.3M | |
GROSS PROFIT | |||||||||
(13.3M) | (13.5M) | (9.3M) | (1.7M) | (1.4M) | (3.7M) | (3.9M) | (3.1M) | (2M) | |
15.4M | 13.2M | 9.1M | 15.6M | 16.1M | 14M | 12.9M | 12.5M | 12.3M | |
OPERATING INCOME | |||||||||
(16.9M) | (13.2M) | (15.8M) | (16.6M) | (12.9M) | (13M) | (13.1M) | (11.2M) | (10.7M) | |
(11.3M) | (10.4M) | (10.8M) | (11.7M) | (8.6M) | (8.8M) | (8.7M) | (7.5M) | (7M) | |
-1.5M | 14K | -6.7M | -1M | 3.2M | 1.1M | -268K | 1.3M | 1.6M | |
PRE-TAX INCOME | |||||||||
(13.3M) | (13.5M) | (9.1M) | (1.7M) | (1.2M) | (3.2M) | (3.8M) | (3.1M) | (1.8M) | |
13.7M | 11.7M | 11.3M | 14.7M | 14.2M | 12.6M | 11.4M | 10.9M | 10.7M | |
(5.6M) | (2.8M) | (5M) | (4.8M) | (4.3M) | (4.2M) | (4.4M) | (3.7M) | (3.7M) | |
-1.5M | 14K | -6.7M | -1M | 3.2M | 1.1M | -268K | 1.3M | 1.6M | |
NET INCOME | |||||||||
-638K | (527K) | (3.9M) | -451K | (601K) | -24K | -189K | (232.3K) | (701K) | |
-845K | -513K | -10.7M | -565K | 2.6M | 1.1M | -79K | 1.1M | 912K |
SEC Filings
FSEA - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 15, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 05, 2026 | May 04, 2026 | 2026 | |
10-K/A 10-K/A 2025 FY (Amended) FY | April 30, 2026 | December 31, 2025 | 2025 | |
10-K 10-K 2025 FY FY | March 20, 2026 | December 31, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 14, 2025 | September 30, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 08, 2025 | June 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | May 29, 2025 | May 29, 2025 | 2025 | |
10-Q 10-Q 2025 Q1 Q1 | May 09, 2025 | March 31, 2025 | 2025 | |
DEF 14A DEF 14A 2025 N/A | April 22, 2025 | May 29, 2025 | 2025 | |
10-K 10-K 2024 FY FY | March 21, 2025 | December 31, 2024 | 2024 |
Related Guides
Continue your FSEA research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.