First Seacoast Bancorp, Inc. (FSEA) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 30, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FSEA SEC filings page.
First Seacoast Bancorp, Inc. (FSEA) reported $16.1M in revenue over the twelve months to Jun 30, 2026, up 14.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
A liability-heavy funding model expanded the asset base, but high interest costs still leave this bank loss-making despite positive cash flow.
FY2025 remained loss-making, yet operating cash flow was positive at$449K . Free cash flow also turned positive after being negative in FY2024, indicating the accounting loss did not translate into an equivalent cash drain; noncash or balance-sheet movements, rather than profits, supported cash generation.
Assets expanded
Revenue was
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of First Seacoast Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
First Seacoast Bancorp, Inc. earned a return on assets of -0.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and First Seacoast Bancorp, Inc. scores 13/100 among other banks.
First Seacoast Bancorp, Inc. reported revenue of $15.4M in fiscal year 2025, against $15.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and First Seacoast Bancorp, Inc. scores 83/100 among other banks.
First Seacoast Bancorp, Inc. funded 10.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $63.5M of equity against $599.3M of assets. Capital ranks banks on that cushion, and First Seacoast Bancorp, Inc. scores 38/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. First Seacoast Bancorp, Inc. scores 5/100 on it among other banks.
Not available for First Seacoast Bancorp, Inc., and counted as zero in the overall score.
First Seacoast Bancorp, Inc. reported a net loss of $845K in fiscal year 2025, against a loss of $513K in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and First Seacoast Bancorp, Inc. scores 8/100 among other banks.
First Seacoast Bancorp, Inc. passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.
First Seacoast Bancorp, Inc. reported a net loss of $845K while generating $449K in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
First Seacoast Bancorp, Inc. generated $4.1M in revenue in Q2 2026. This represents an increase of 6.7% from the same quarter a year earlier. Against the prior quarter it is up 5.4%.
First Seacoast Bancorp, Inc. reported $249K in net income in Q2 2026. This represents an increase of 145.7% from the same quarter a year earlier. Against the prior quarter it is up 149.0%.
First Seacoast Bancorp, Inc. earned $0.05 per diluted share (EPS) in Q2 2026. This represents an increase of 138.5% from the same quarter a year earlier. Against the prior quarter it is up 141.7%.
Not reported for Q2 2026.
Cash & Balance Sheet
First Seacoast Bancorp, Inc. recorded an outflow of $202K in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 31.2% from the same quarter a year earlier. Against the prior quarter it is down 200.5%.
Not reported for Q2 2026.
Not reported for Q2 2026.
Margins & Returns
First Seacoast Bancorp, Inc.'s net profit margin was 6.0% in Q2 2026, showing the share of revenue converted to profit. This is up 20.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 19.0 percentage points.
First Seacoast Bancorp, Inc.'s ROE was 0.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.2 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
First Seacoast Bancorp, Inc. reported no capital expenditure in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier. Against the prior quarter it is down 100.0%.
Not reported for Q2 2026.
Not reported for Q2 2026.
FSEA Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.1M+6.7% | $3.9M+11.2% | $4.0M+20.6% | $4.0M+19.3% | $3.9M-34.4% | $3.5M+10.7% | $3.4M-42.2% | $3.3M+16.1% |
| SG&A Expenses | $2.3M+2.5% | $2.3M+3.3% | $2.3M+11.8% | $2.2M+4.1% | $2.3M+7.3% | $2.2M-4.9% | $2.0M-13.4% | $2.2M-13.4% |
| Interest Expense | $2.7M-17.0% | $3.0M-9.2% | $3.3M-6.5% | $3.4M-3.4% | $3.3M+1.3% | $3.3M+2.3% | $3.5M+16.5% | $3.6M+37.4% |
| Income Tax | -$227K-1991.7% | $273K+1041.4% | -$25K-103.6% | -$596K+6.9% | $12K-88.2% | -$29K-108.0% | $703K-84.8% | -$640K-49.9% |
| Net Income | $249K+145.7% | -$508K+15.8% | -$87K+93.8% | $390K+786.4% | -$545K-127.2% | -$603K+47.7% | -$1.4M+85.4% | $44K+104.8% |
| EPS (Basic) | $0.06+146.2% | -$0.12+14.3% | -$0.05+84.4% | $0.09+800.0% | -$0.13-129.5% | -$0.14+41.7% | -$0.32+84.6% | $0.01+105.0% |
| EPS (Diluted) | $0.05+138.5% | -$0.12+14.3% | -$0.05 | $0.08+700.0% | -$0.13-131.0% | -$0.14+41.7% | -$0.31+85.1% | $0.01+105.0% |
| Diluted Shares (Avg) | 5M+8.6% | 4M-0.2% | N/A | 5M+7.7% | 4M-10.7% | 4M-8.9% | N/A | 4M-6.4% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
FSEA Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $576.1M-4.7% | $588.8M-0.6% | $599.3M+3.2% | $609.6M+1.3% | $604.8M+0.5% | $592.6M+2.8% | $580.8M+1.7% | $601.8M+8.0% |
| Total Liabilities | $512.3M-5.8% | $526.2M-1.0% | $535.7M+3.3% | $546.5M+2.0% | $544.0M+1.3% | $531.4M+3.8% | $518.7M+2.8% | $536.0M+9.4% |
| Total Equity | $63.8M+4.9% | $62.6M+2.3% | $63.5M+2.4% | $63.2M-4.0% | $60.8M-5.7% | $61.2M-5.4% | $62.0M-6.9% | $65.8M-2.2% |
| Retained Earnings | $24.0M+0.2% | $23.7M-3.1% | $24.2M-3.4% | $24.3M-8.2% | $23.9M-9.5% | $24.5M+0.1% | $25.1M-2.0% | $26.5M-24.9% |
Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
FSEA Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$202K-33.8% | $547K-4.5% | -$634K+64.1% | $661K+128.7% | -$151K+89.2% | $573K+918.6% | -$1.8M-17.9% | $289K-5.9% |
| Depreciation & Amortization | $99K+5.3% | $99K+5.3% | $107K+8.1% | $94K0.0% | $94K-13.8% | $94K-16.1% | $99K-18.9% | $94K-23.0% |
| Stock-Based Compensation | $189K-20.3% | $237K+2.2% | N/A | $237K+132.4% | $237K+132.4% | $232K+127.5% | N/A | $102K0.0% |
| Capital Expenditures | $0-100.0% | $346K+1016.1% | $65K-60.4% | $21K-16.0% | $3K-98.2% | $31K+181.8% | $164K+530.8% | $25K-66.2% |
| Free Cash Flow | -$202K-31.2% | $201K-62.9% | -$699K+63.8% | $640K+142.4% | -$154K+90.2% | $542K+769.1% | -$1.9M-26.6% | $264K+13.3% |
| Investing Cash Flow | $6.6M+158.3% | $9.4M+171.0% | $4.5M-40.3% | $10.3M+292.5% | -$11.4M-629.1% | -$13.3M-91.7% | $7.6M+154.3% | -$5.3M+36.6% |
| Financing Cash Flow | -$13.7M-213.7% | -$10.6M-189.9% | -$10.1M+34.0% | $1.9M+150.6% | $12.1M-32.6% | $11.8M+54.2% | -$15.3M-205.9% | -$3.8M-144.1% |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
FSEA Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 6.0%+20.1pp | -12.9%+4.1pp | -2.1%+39.9pp | 9.8%+8.4pp | -14.1%-47.9pp | -17.1%+19.1pp | -42.0% | 1.3%+32.9pp |
| Return on Equity | 0.4%+1.3pp | -0.8%+0.2pp | -0.1%+2.1pp | 0.6%+0.5pp | -0.9%-4.0pp | -1.0%+0.8pp | -2.3%+12.2pp | 0.1%+1.4pp |
| Return on Assets | 0.0%+0.1pp | -0.1%0.0pp | 0.0%+0.2pp | 0.1%0.0pp | -0.1%-0.4pp | -0.1%+0.1pp | -0.2%+1.4pp | 0.0%+0.2pp |
| Debt-to-Equity | 8.03-0.9x | 8.40-0.3x | 8.43+0.1x | 8.65+0.5x | 8.95+0.6x | 8.68+0.8x | 8.36+0.8x | 8.15+0.9x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | -4.9%-0.9pp | 5.1%-10.2pp | -17.3%+40.3pp | 16.0%+8.1pp | -4.0%+22.5pp | 15.3%+17.9pp | -57.6%-31.3pp | 7.9%-0.2pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| First Seacoast Bancorp, Inc. FSEA | FY2025 | $15.4M | -$845K | -5.5% | $81.2M | 25/100 |
| Bank of the James Financial Group, Inc BOTJ | FY2025 | $48.7M | $9.0M | 18.5% | $123.4M | 52/100 |
| Central Plains Bancshares, Inc. CPBI | FY2026 | $21.3M | $4.0M | 18.7% | $79.6M | 42/100 |
| First Northwest Bancorp FNWB | FY2025 | $68.9M | -$4.2M | -6.1% | $93.7M | 11/100 |
| Catalyst Bancorp, Inc. CLST | FY2025 | $11.1M | $2.1M | 18.4% | $67.6M | 29/100 |
| Broadway Financial Corp/Del BYFC | FY2025 | $34.9M | -$24.8M | -71.0% | $107.7M | 20/100 |
Where First Seacoast Bancorp, Inc. Ranks
Frequently Asked Questions
What is First Seacoast Bancorp, Inc.'s annual revenue?
First Seacoast Bancorp, Inc. (FSEA) reported $15.4M in total revenue for fiscal year 2025. This represents a -2.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is First Seacoast Bancorp, Inc.'s revenue growing?
First Seacoast Bancorp, Inc. (FSEA) revenue declined by 2.3% year-over-year, from $15.8M to $15.4M in fiscal year 2025.
Is First Seacoast Bancorp, Inc. profitable?
No, First Seacoast Bancorp, Inc. (FSEA) reported a net income of -$845K in fiscal year 2025, with a net profit margin of -5.5%.
What is First Seacoast Bancorp, Inc.'s net profit margin?
First Seacoast Bancorp, Inc. (FSEA) had a net profit margin of -5.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is First Seacoast Bancorp, Inc.'s return on equity (ROE)?
First Seacoast Bancorp, Inc. (FSEA) has a return on equity of -1.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is First Seacoast Bancorp, Inc.'s free cash flow?
First Seacoast Bancorp, Inc. (FSEA) generated $329K in free cash flow during fiscal year 2025. This represents a 109.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is First Seacoast Bancorp, Inc.'s operating cash flow?
First Seacoast Bancorp, Inc. (FSEA) generated $449K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are First Seacoast Bancorp, Inc.'s total assets?
First Seacoast Bancorp, Inc. (FSEA) had $599.3M in total assets as of fiscal year 2025, including both current and long-term assets.
What are First Seacoast Bancorp, Inc.'s capital expenditures?
First Seacoast Bancorp, Inc. (FSEA) invested $120K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is First Seacoast Bancorp, Inc.'s debt-to-equity ratio?
First Seacoast Bancorp, Inc. (FSEA) had a debt-to-equity ratio of 8.43 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is First Seacoast Bancorp, Inc.'s return on assets (ROA)?
First Seacoast Bancorp, Inc. (FSEA) had a return on assets of -0.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is First Seacoast Bancorp, Inc.'s P/E ratio?
First Seacoast Bancorp, Inc. (FSEA) has no price-to-earnings ratio at the moment: outside the range published as a multiple (on $44K net income, trailing 12 months to June 30, 2026). The market capitalization is $81.2M as of Sep 30, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is First Seacoast Bancorp, Inc.'s price-to-sales ratio?
First Seacoast Bancorp, Inc. (FSEA) trades at 5.0x sales, its market capitalization divided by revenue of $16.1M revenue, trailing 12 months to June 30, 2026. The market capitalization is $81.2M as of Sep 30, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is First Seacoast Bancorp, Inc.'s Piotroski F-Score?
First Seacoast Bancorp, Inc. (FSEA) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are First Seacoast Bancorp, Inc.'s earnings high quality?
First Seacoast Bancorp, Inc. (FSEA) reported a net loss of $845K while generating $449K in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is First Seacoast Bancorp, Inc.?
First Seacoast Bancorp, Inc. (FSEA) scores 25 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.