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 SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
Medium confidenceValuation multiple is compressed (P/E -73.0).
Valuation inputs: P/E -73.0, earnings yield N/A, momentum +0.4%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE -1.3%, ROIC -0.1%).
Profitability stack: net margin -2.9%, ROE -1.3%, ROIC -0.1%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile is elevated and scenario stress-testing is essential.
Risk factors: liabilities/assets +89.4%, momentum +0.4%, net margin -2.9%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
First Seacoast Bancorp Market vs Earnings Trajectory
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First Seacoast Bancorp Fair Value Envelope
First 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 Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.
CapEx Intensity
Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
First Seacoast Bancorp Funding & Solvency Profile
Financial Health Analysis
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
First Seacoast Bancorp Street Expectations Map
No Target Data
No analyst price targets available for fsea.
First Seacoast Bancorp Insider Positioning
During the last 12 months, insiders have purchased $43K and sold $25K worth of FSEA shares, resulting in $19K of net buying activity.
3 Months
0
0.00
0
0.00
+0
+$0
3-6 Months
900
11.09K
0
0.00
+11K
+$11K
6-9 Months
0
0.00
500
5.76K
-6K
-$6K
9-12 Months
2.8K
32.28K
1.7K
18.84K
+13K
+$13K
Top Buyers
Boulanger Mark P.
Director
$25K
Donovan Richard M
Officer: President And Cfo
$11K
Brannen James R.
Director, Officer: Chief Executive Officer
$7K
Swenson John E.
Officer: Evp And Coo
$138
Top Sellers
Jean Thomas J.
Director
$25K
Insider Activity Analysis
Net Insider Sentiment
Moderately bullish with $19K net buying. Insiders show cautious optimism through measured share purchases.
Buy/Sell Ratio
Positive buy/sell ratio. Buying exceeds or matches selling, indicating net positive insider sentiment.
Insider Participation
4 insider buyers vs. 1 sellers. Broad-based buying across management team suggests widespread confidence.
Insider Activity Insight
Broad-based insider buying: When multiple insiders independently decide to purchase shares, it often reflects genuine confidence rather than coordinated optics. This pattern deserves attention, especially if buying followed a price decline.
No Dividend Yield Data
FSEA has not reported any dividend yield values in the available annual periods.
fsea Dividend History
Learning Layer
Related Guides
Build conviction on FSEA by pairing this stock hub 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.