What is First Seacoast Bancorp Inc's earnings per share (EPS)?

First Seacoast Bancorp Inc (FSEA) reported diluted earnings per share of -$0.23 for fiscal year 2025. This represents a -91.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

First Seacoast Bancorp Inc Financials

FSEA

Trailing 12 months to June 30, 2026

Revenue $26.7M +1.8% YoY

Net Income $44K +101.8% YoY

EPS (Diluted) -$0.04 +93.0% YoY

Free Cash Flow -$60K +95.3% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

First Seacoast Bancorp Inc (FSEA) reported $26.7M in revenue over the twelve months to Jun 30, 2026, up 1.8% 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).

Rhea AI FSEA FY2025 2026-04-30

Balance-sheet growth is lifting revenue, but funding costs still absorb too much of the spread to restore earnings.

From FY2023 to FY2025, revenue increased by $6.4M while interest expense climbed $4.2M, so a larger asset base produced more income without creating much additional spread for equity holders. That helps explain why losses narrowed sharply after FY2023 yet return on assets stayed near 0.0%: the company is carrying more assets, but not earning much on them.

The main pressure point does not look like overhead. SG&A moved down from $10.7M to $9.0M, which points to funding cost pressure rather than an expense base that kept expanding.

Cash generation turned positive again, with operating cash flow at $449K and free cash flow at $329K in the latest year. But against $599.3M of assets, that rebound is still small, so the balance sheet is functioning more as a volume engine than a cash engine.

Financial Health Signals

Financial health score not available

First Seacoast Bancorp Inc does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

4/6

First Seacoast Bancorp Inc passes 4 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, both operating efficiency signals pass.

Earnings Quality Mixed

N/A

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

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Earnings & Revenue

Revenue

$27.0M

YoY+6.1%

First Seacoast Bancorp Inc generated $27.0M in revenue in fiscal year 2025. This represents an increase of 6.1% from the prior year.

Net Income

-$845K

YoY-64.7%

First Seacoast Bancorp Inc reported -$845K in net income in fiscal year 2025. This represents a decrease of 64.7% from the prior year.

EPS (Diluted)

-$0.23

YoY-91.7%

First Seacoast Bancorp Inc earned -$0.23 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 91.7% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$329K

YoY+109.9%

First Seacoast Bancorp Inc generated $329K in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 109.9% from the prior year.

Shares Outstanding

YoY-0.8%

First Seacoast Bancorp Inc had 5M shares outstanding in fiscal year 2025. This represents a decrease of 0.8% from the prior year.

Cash & Debt

Not reported for fiscal year 2025.

Dividends Per Share

Not reported for fiscal year 2025.

Margins & Returns

Net Margin

-3.1%

YoY-1.1pp

First Seacoast Bancorp Inc's net profit margin was -3.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 1.1 percentage points from the prior year.

Return on Equity

-1.3%

YoY-0.5pp

First Seacoast Bancorp Inc's ROE was -1.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.5 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Capital Expenditures

$120K

YoY-67.4%

First Seacoast Bancorp Inc invested $120K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 67.4% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

Share Buybacks

Not reported for fiscal year 2025.

FSEA Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FSEA quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21
Revenue	$26.7M	$27.0M+6.1%	$25.4M+23.5%	$20.6M+24.0%	$16.6M+7.2%	$15.5M
SG&A Expenses	$9.1M	$9.0M+4.3%	$8.6M-11.1%	$9.7M-9.5%	$10.7M+36.3%	$7.8M
Interest Expense	$12.4M	$13.3M-1.7%	$13.5M+49.0%	$9.1M+419.7%	$1.7M+41.5%	$1.2M
Income Tax	-$575K	-$638K-221.1%	$527K-86.6%	$3.9M+974.5%	-$451K-175.0%	$601K
Net Income	$44K	-$845K-64.7%	-$513K+95.2%	-$10.7M-1786.0%	-$565K-121.6%	$2.6M
EPS (Diluted)	-$0.04	-$0.23-91.7%	-$0.12+94.8%	-$2.29-1808.3%	-$0.12-126.7%	$0.45

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$6.4M-0.7%	$6.5M-6.8%	$6.9M+0.6%	$6.9M+2.5%	$6.7M+4.5%	$6.4M-1.5%	$6.5M-0.3%	$6.5M
SG&A Expenses	$2.3M+1.6%	$2.3M+0.7%	$2.3M+0.7%	$2.2M-0.4%	$2.3M+2.4%	$2.2M+9.0%	$2.0M-6.2%	$2.2M
Interest Expense	$2.7M-7.4%	$3.0M-10.6%	$3.3M-4.1%	$3.4M+4.6%	$3.3M+1.3%	$3.3M-7.9%	$3.5M-1.0%	$3.6M
Income Tax	-$227K-183.2%	$273K+1192.0%	-$25K+95.8%	-$596K-5066.7%	$12K+141.4%	-$29K-104.1%	$703K+209.8%	-$640K
Net Income	$249K+149.0%	-$508K-483.9%	-$87K-122.3%	$390K+171.6%	-$545K+9.6%	-$603K+57.2%	-$1.4M-3300.0%	$44K
EPS (Diluted)	$0.05+141.7%	-$0.12	-$0.05	$0.08+161.5%	-$0.13+7.1%	-$0.14+54.8%	-$0.31-3200.0%	$0.01

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

FSEA Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FSEA quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21
Total Assets	$599.3M+3.2%	$580.8M+1.7%	$571.0M+6.3%	$537.4M+10.3%	$487.1M
Total Liabilities	$535.7M+3.3%	$518.7M+2.8%	$504.4M+3.3%	$488.1M+14.4%	$426.6M
Total Equity	$63.5M+2.4%	$62.0M-6.9%	$66.6M+35.0%	$49.3M-18.4%	$60.5M
Retained Earnings	$24.2M-3.4%	$25.1M-2.0%	$25.6M-29.4%	$36.2M-1.5%	$36.8M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$576.1M-2.2%	$588.8M-1.7%	$599.3M-1.7%	$609.6M+0.8%	$604.8M+2.1%	$592.6M+2.0%	$580.8M-3.5%	$601.8M
Total Liabilities	$512.3M-2.6%	$526.2M-1.8%	$535.7M-2.0%	$546.5M+0.4%	$544.0M+2.4%	$531.4M+2.4%	$518.7M-3.2%	$536.0M
Total Equity	$63.8M+1.9%	$62.6M-1.5%	$63.5M+0.6%	$63.2M+3.9%	$60.8M-0.7%	$61.2M-1.3%	$62.0M-5.7%	$65.8M
Retained Earnings	$24.0M+1.0%	$23.7M-2.1%	$24.2M-0.4%	$24.3M+1.6%	$23.9M-2.2%	$24.5M-2.4%	$25.1M-5.3%	$26.5M

Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Inventory, Accounts Receivable, Goodwill, 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.

FSEA quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21
Operating Cash Flow	$372K	$449K+115.2%	-$2.9M-53.9%	-$1.9M-296.8%	$973K-59.8%	$2.4M
Capital Expenditures	$432K	$120K-67.4%	$368K+5.4%	$349K+238.8%	$103K+186.1%	$36K
Free Cash Flow	-$60K	$329K+109.9%	-$3.3M-46.5%	-$2.3M-360.2%	$870K-63.5%	$2.4M
Investing Cash Flow	$30.9M	-$9.9M-292.6%	-$2.5M+93.6%	-$39.5M+32.0%	-$58.1M-33.5%	-$43.5M
Financing Cash Flow	-$32.5M	$15.7M+142.3%	$6.5M-83.5%	$39.2M-33.2%	$58.7M+40.7%	$41.7M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	-$202K-136.9%	$547K+186.3%	-$634K-195.9%	$661K+537.7%	-$151K-126.4%	$573K+132.4%	-$1.8M-711.1%	$289K
Capital Expenditures	$0-100.0%	$346K+432.3%	$65K+209.5%	$21K+600.0%	$3K-90.3%	$31K-81.1%	$164K+556.0%	$25K
Free Cash Flow	-$202K-200.5%	$201K+128.8%	-$699K-209.2%	$640K+515.6%	-$154K-128.4%	$542K+128.1%	-$1.9M-831.1%	$264K
Investing Cash Flow	$6.6M-29.6%	$9.4M+107.8%	$4.5M-55.8%	$10.3M+190.2%	-$11.4M+14.2%	-$13.3M-274.7%	$7.6M+242.4%	-$5.3M
Financing Cash Flow	-$13.7M-29.5%	-$10.6M-5.3%	-$10.1M-621.8%	$1.9M-84.0%	$12.1M+2.5%	$11.8M+177.3%	-$15.3M-300.3%	-$3.8M

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.

FSEA quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21
Net Margin	-3.1%-1.1pp	-2.0%+49.7pp	-51.7%-48.3pp	-3.4%-20.3pp	16.9%
Return on Equity	-1.3%-0.5pp	-0.8%+15.2pp	-16.0%-14.8pp	-1.1%-5.5pp	4.3%
Return on Assets	-0.1%-0.1pp	-0.1%+1.8pp	-1.9%-1.8pp	-0.1%-0.7pp	0.5%
Debt-to-Equity	8.43+0.1x	8.36+0.8x	7.57-2.3x	9.89+2.8x	7.06
FCF Margin	1.2%+14.3pp	-13.0%-2.0pp	-11.0%-16.2pp	5.2%-10.2pp	15.4%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	3.9%+11.7pp	-7.9%-6.6pp	-1.3%-6.9pp	5.7%+13.8pp	-8.1%+1.3pp	-9.4%+12.2pp	-21.6%-22.2pp	0.7%
Return on Equity	0.4%+1.2pp	-0.8%-0.7pp	-0.1%-0.8pp	0.6%+1.5pp	-0.9%+0.1pp	-1.0%+1.3pp	-2.3%-2.3pp	0.1%
Return on Assets	0.0%+0.1pp	-0.1%-0.1pp	0.0%-0.1pp	0.1%+0.1pp	-0.1%0.0pp	-0.1%+0.1pp	-0.2%-0.2pp	0.0%
Debt-to-Equity	8.03-0.4x	8.400.0x	8.43-0.2x	8.65-0.3x	8.95+0.3x	8.68+0.3x	8.36+0.2x	8.15
FCF Margin	-3.1%-6.3pp	3.1%+13.2pp	-10.1%-19.4pp	9.3%+11.6pp	-2.3%-10.7pp	8.4%+38.0pp	-29.5%-33.6pp	4.0%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where First Seacoast Bancorp Inc Ranks

Frequently Asked Questions

What is First Seacoast Bancorp Inc's annual revenue?

First Seacoast Bancorp Inc (FSEA) reported $27.0M in total revenue for fiscal year 2025. This represents a 6.1% 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 grew by 6.1% year-over-year, from $25.4M to $27.0M 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 -3.1%.

What is First Seacoast Bancorp Inc's net profit margin?

First Seacoast Bancorp Inc (FSEA) had a net profit margin of -3.1% 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.

How many shares does First Seacoast Bancorp Inc have outstanding?

First Seacoast Bancorp Inc (FSEA) had 5M shares outstanding as of fiscal year 2025.

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 Piotroski F-Score?

First Seacoast Bancorp Inc (FSEA) has a Piotroski F-Score of 4 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.