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First Seacoast Bancorp, Inc. operates as the holding company for First Seacoast Bank that provides banking and wealth management services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts, as well as time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family real estate loans; acquisition, development, and land loans; commercial and industrial loans; and home equity loans and lines of credit, as well as 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 through a third-party registered broker-dealer and investment advisor. First Seacoast Bancorp, Inc. was founded in 1890 and is headquartered in Dover, New Hampshire.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Public information on First Seacoast Bancorp (NASDAQ: FSEA) is limited; it appears to be a regional bank holding company offering commercial and consumer lending, deposit-taking and related community banking services. Long-term growth drivers could include local loan growth, management of net interest margins and deposit stability, with fee-income diversification or modest M&A potentially supporting earnings over time.
Principal risks include credit quality deterioration and interest-rate volatility that can compress net interest margins and increase provisioning, along with competitive and regulatory pressures investors should monitor.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | -1.48M | 0.01M | -6.71M | -1.02M | 3.22M |
| Net income | -0.84M | -0.51M | -10.66M | -0.56M | 2.62M |
| Selling general administrative | 11.28M | 9.98M | 10.26M | 11.15M | 8.22M |
| Selling and marketing expenses | - | 0.42M | 0.53M | 0.60M | 0.36M |
| Gross profit | 15.44M | 13.22M | 9.13M | 15.57M | 16.31M |
| Reconciled depreciation | 0.32M | 0.38M | 0.48M | 0.52M | 0.56M |
| Ebit | -1.48M | 0.01M | -6.71M | 0.73M | 3.22M |
| Ebitda | -1.17M | 0.40M | -6.23M | 1.25M | 3.78M |
| Depreciation and amortization | 0.32M | 0.38M | 0.49M | 0.52M | 0.56M |
| Operating income | -1.48M | 0.01M | -6.71M | 0.73M | 3.22M |
| Other operating expenses | 30.22M | 26.67M | 25.11M | 1.58M | 13.09M |
| Interest expense | 13.30M | 13.53M | 9.08M | 1.75M | 1.24M |
| Tax provision | -0.64M | 0.53M | -1.28M | -0.45M | 0.60M |
| Interest income | 26.80M | 25.20M | 19.02M | 16.49M | 15.47M |
| Net interest income | 13.50M | 11.67M | 12.04M | 14.74M | 14.24M |
| Income tax expense | -0.64M | 0.53M | 3.94M | -0.45M | 0.60M |
| Total revenue | 28.74M | 26.68M | 18.39M | 15.57M | 16.31M |
| Total operating expenses | 16.92M | 13.21M | 15.84M | 1.58M | -13.09M |
| Cost of revenue | 13.30M | 13.46M | 9.27M | - | - |
| Total other income expense net | - | 2.52M | -1.46M | -1.75M | -1.24M |
| Net income from continuing ops | -0.84M | -0.51M | -2.59M | -0.56M | 2.62M |
| Net income applicable to common shares | - | - | - | -0.56M | 2.62M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 599.29M | 580.78M | 571.03M | 537.42M | 487.07M |
| Intangible assets | 0.32M | 0.63M | 0.66M | - | - |
| Other current assets | - | - | 8.36M | 2.52M | 1.50M |
| Total liab | 535.75M | 518.73M | 73.01M | 99.40M | 29.46M |
| Total stockholder equity | 63.55M | 62.05M | 66.62M | 49.34M | 60.47M |
| Deferred long term liab | - | - | - | 1.83M | - |
| Other current liab | - | 453.55M | 321.70M | 481.76M | 0.65M |
| Common stock | 0.05M | 0.05M | 0.05M | 0.06M | 0.06M |
| Capital stock | 0.05M | 0.05M | 0.05M | 0.06M | 0.06M |
| Retained earnings | 24.24M | 25.08M | 25.60M | 36.25M | 36.81M |
| Other liab | - | - | - | - | 3.25M |
| Other assets | 431.37M | 451.36M | 424.71M | 418.89M | 290.40M |
| Cash | 13.41M | 7.10M | 6.07M | 9.00M | 7.88M |
| Total current liabilities | 50.67M | 454.21M | 362.97M | 481.76M | 406.16M |
| Net debt | 44.25M | 45.17M | 66.94M | 90.40M | 21.58M |
| Short term debt | 50.67M | 1.17M | 41.27M | - | - |
| Short long term debt total | 57.66M | 52.27M | 73.01M | 99.40M | 29.46M |
| Other stockholder equity | 44.09M | 43.96M | 46.91M | 22.75M | 22.87M |
| Property plant equipment | - | - | - | 4.18M | 4.57M |
| Total current assets | 167.93M | 129.42M | 20.40M | 8.25M | 100.75M |
| Long term investments | 152.41M | 120.22M | 121.85M | 505.02M | 91.36M |
| Net tangible assets | - | - | - | 49.34M | 60.12M |
| Short term investments | 152.41M | 120.22M | 121.85M | 106.10M | 91.36M |
| Net receivables | 2.11M | 2.10M | 2.29M | 1.99M | 1.50M |
| Long term debt | 52.31M | 52.27M | 73.01M | 99.40M | 29.46M |
| Inventory | - | - | -10.66M | - | - |
| Accounts payable | - | - | - | 382.36M | 393.24M |
| Accumulated other comprehensive income | -4.84M | -7.04M | -5.94M | -9.73M | 0.72M |
| Common stock total equity | - | - | - | 0.06M | - |
| Retained earnings total equity | - | - | - | 36.25M | - |
| Treasury stock | - | - | - | -1.38M | - |
| Non currrent assets other | 15.00M | 15.12M | -125.93M | -110.28M | -95.93M |
| Non current assets total | 431.37M | 451.36M | 125.93M | 110.28M | 95.93M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -29.56M | -2.51M | -34.21M | 4.38M | -36.06M |
| Change to liabilities | - | - | - | 1.72M | 0.31M |
| Total cashflows from investing activities | -9.86M | -2.51M | -39.49M | -58.07M | -43.50M |
| Net borrowings | -0.02M | -39.23M | -6.39M | -1.79M | -22.86M |
| Total cash from financing activities | 15.72M | 6.49M | 39.22M | 58.71M | 41.72M |
| Change to operating activities | - | - | - | -0.47M | -1.51M |
| Net income | -0.84M | -0.51M | -10.66M | -0.56M | 2.62M |
| Change in cash | 6.31M | 1.03M | -2.18M | 1.61M | 0.64M |
| Begin period cash flow | 7.10M | 6.07M | 8.25M | 6.64M | 6.00M |
| End period cash flow | 13.41M | 7.10M | 6.07M | 8.25M | 6.64M |
| Total cash from operating activities | 0.45M | -2.95M | -1.92M | 0.97M | 2.42M |
| Issuance of capital stock | - | 0.00M | 25.62M | - | - |
| Depreciation | 0.70M | 0.38M | 0.49M | 0.52M | 0.56M |
| Other cashflows from investing activities | 19.82M | -1.25M | -25.45M | -62.35M | 0.11M |
| Change to account receivables | -0.01M | 0.19M | -0.31M | -0.49M | -0.09M |
| Sale purchase of stock | -0.98M | -3.70M | -0.00M | -0.63M | -0.52M |
| Other cashflows from financing activities | 16.72M | 49.42M | 19.99M | 61.60M | 155.90M |
| Change to netincome | - | - | - | -0.07M | 0.53M |
| Capital expenditures | 0.12M | 0.37M | 0.35M | 0.10M | 0.04M |
| Change receivables | - | - | - | -0.49M | - |
| Cash flows other operating | - | - | - | -1.15M | - |
| Cash and cash equivalents changes | - | - | - | 1.61M | - |
| Change in working capital | 0.51M | -1.96M | -0.70M | -0.95M | -1.60M |
| Stock based compensation | 0.94M | 0.79M | 0.68M | 0.51M | 0.16M |
| Other non cash items | -0.06M | -2.05M | 4.42M | 1.76M | 0.37M |
| Free cash flow | 0.33M | -3.32M | -2.26M | 0.87M | 2.38M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| DBSDY DBS Group Holdings Ltd ADR |
-0.76 0.34% |
219.92 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.62 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.28 0.82% |
34.49 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.46 0.49% |
92.86 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
First Seacoast Bancorp, Inc. operates as the holding company for First Seacoast Bank that provides banking and wealth management services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts, as well as time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family real estate loans; acquisition, development, and land loans; commercial and industrial loans; and home equity loans and lines of credit, as well as 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 through a third-party registered broker-dealer and investment advisor. First Seacoast Bancorp, Inc. was founded in 1890 and is headquartered in Dover, New Hampshire.
633 Central Avenue, Dover, NH, United States, 03820
603 742 4680
72
| Name | Title | Year Born |
|---|---|---|
| Mr. James R. Brannen | Pres, CEO & Director | 1961 |
| Mr. Richard M. Donovan | Sr. VP & CFO | 1966 |
| Mr. Timothy F. Dargan | Sr. VP & Sr. Commercial Loan Officer | 1961 |
| Attorney Michael J. Bolduc | Corp. Sec. & Independent Director | 1971 |
| Mr. Bradley Barbin | Sr. VP & Chief Information Officer | NA |
| Tiffany Melanson | VP of Marketing & PR | NA |
| Sharon A. Zacharias | Sr. VP & HR Director | NA |
| Mr. John E. Swenson | Sr. VP of Bank Admin. & Risk Management Officer | NA |
| Jean Tremblay | Sr. VP & Sr. Retail Loan Officer | NA |
| Mr. James R. Brannen | President & CEO | 1961 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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