FSEA

MKT CAP:$53M

First Seacoast Bancorp

Market Cap

$53M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$11.13-$1.85 (-14.25%)

Apr 23, 2026

Company Details

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,...

CEO

James R. Brannen

IPO Date

Jul 17, 2019

Website

www.firstseacoastbank.com

Key Metrics TTM

Revenue

$29M

+7.7% YoY

Net Income

-$845.0K

EPS (Diluted)

-$0.21

Free Cash Flow

$329.0K

Revenue / Share

$7.82

Gross Margin

53.7%

Operating Margin

0.0%

Net Margin

-2.9%

FCF Margin

1.1%

P/S

1.8x

P/E

—

Earnings Reports

Q1 2026

May 7, 2026

PENDING

FY 2025

Mar 20, 2026

$29M+7.7%EPS -$0.23

Q4 2025

Mar 20, 2026

$7M+9.2%EPS -$0.02

Q3 2025

Nov 14, 2025

$7M+7.5%EPS $0.08

Q2 2025

Aug 8, 2025

$7M+7.7%EPS -$0.13

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$4M	$4M	$450.0K
Q2 22	$4M	$4M	$246.0K
Q3 22	$5M	$4M	$507.0K
Q4 22	$4M	$3M	-$2M
Q1 23	$6M	$4M	$504.0K
Q2 23	$5M	$3M	-$820.0K
Q3 23	$5M	$3M	-$1M
Q4 23	$2M	-$1M	-$5M
Q1 24	$6M	$3M	-$790.0K
Q2 24	$7M	$3M	$2M
Q3 24	$7M	$3M	-$596.0K
Q4 24	$7M	$3M	-$705.0K
Q1 25	$7M	$3M	-$632.0K
Q2 25	$7M	$4M	-$533.0K
Q3 25	$7M	$4M	-$206.0K
Q4 25	$7M	$4M	$1M

Valuation

Quarter	P/S	P/E
Q1 22	4.3x	35.4x
Q2 22	4.3x	50.9x
Q3 22	3.7x	44.1x
Q4 22	3.0x	—
Q1 23	2.2x	—
Q2 23	1.9x	—
Q3 23	1.6x	—
Q4 23	2.0x	—
Q1 24	2.0x	—
Q2 24	2.0x	—
Q3 24	2.0x	—
Q4 24	1.8x	—
Q1 25	1.8x	1389.3x
Q2 25	1.8x	—
Q3 25	1.7x	—
Q4 25	1.8x	—

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$141.0K	$90.0K
Q2 22	$3M	$3M
Q3 22	-$1M	-$1M
Q4 22	-$876.0K	-$876.0K
Q1 23	-$361.0K	-$436.0K
Q2 23	-$363.0K	-$537.0K
Q3 23	$307.0K	$233.0K
Q4 23	-$1M	-$2M
Q1 24	-$70.0K	-$81.0K
Q2 24	-$1M	-$2M
Q3 24	$289.0K	$264.0K
Q4 24	-$2M	-$2M
Q1 25	$573.0K	$542.0K
Q2 25	-$151.0K	-$154.0K
Q3 25	$661.0K	$640.0K
Q4 25	-$634.0K	-$699.0K

Capital Expenditures

Quarter	CapEx
Q1 22	$51.0K
Q2 22	$38.0K
Q3 22	$14.0K
Q4 22	$0
Q1 23	$75.0K
Q2 23	$174.0K
Q3 23	$74.0K
Q4 23	$26.0K
Q1 24	$11.0K
Q2 24	$168.0K
Q3 24	$25.0K
Q4 24	$164.0K
Q1 25	$31.0K
Q2 25	$3.0K
Q3 25	$21.0K
Q4 25	$65.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	-4.8%	+14.6%
Q2 22	-4.5%	+15.6%
Q3 22	+6.8%	+10.4%
Q4 22	-2.3%	+68.7%
Q1 23	+33.1%	+35.5%
Q2 23	+21.4%	+48.6%
Q3 23	+19.6%	+67.9%
Q4 23	-52.8%	+10.6%
Q1 24	+10.2%	+35.9%
Q2 24	+25.2%	-26.1%
Q3 24	+26.9%	+10.6%
Q4 24	+253.8%	+8.0%
Q1 25	+6.4%	+3.5%
Q2 25	+7.7%	+69.7%
Q3 25	+7.5%	+1.6%
Q4 25	+9.2%	-19.2%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$130.0K	3.0%
Q2 22	$129.0K	3.0%
Q3 22	$130.0K	2.9%
Q4 22	$122.0K	3.0%
Q1 23	$135.0K	2.3%
Q2 23	$152.0K	2.9%
Q3 23	$198.0K	3.7%
Q4 23	$189.0K	9.8%
Q1 24	$196.0K	3.1%
Q2 24	$201.0K	3.0%
Q3 24	$199.0K	2.9%
Q4 24	$191.0K	2.8%
Q1 25	$273.0K	4.0%
Q2 25	$280.0K	3.9%
Q3 25	$281.0K	3.8%
Q4 25	$109.0K	1.5%

OpEx Breakdown

Quarter	G&A	S&M
Q1 22	$2M	$49.0K
Q2 22	$3M	$100.0K
Q3 22	$2M	$137.0K
Q4 22	$4M	$312.0K
Q1 23	$3M	$89.0K
Q2 23	$3M	$115.0K
Q3 23	$3M	$174.0K
Q4 23	$3M	$152.0K
Q1 24	$3M	$81.0K
Q2 24	$3M	$105.0K
Q3 24	$3M	$103.0K
Q4 24	$2M	$130.0K
Q1 25	$3M	$86.0K
Q2 25	$3M	$85.0K
Q3 25	$3M	$101.0K

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$7M	$98M	$105M
Q2 22	$5M	$103M	$108M
Q3 22	$8M	$101M	$108M
Q4 22	$9M	$106M	$115M
Q1 23	$17M	$108M	$125M
Q2 23	$7M	$110M	$117M
Q3 23	$7M	$103M	$110M
Q4 23	$6M	$122M	$128M
Q1 24	$7M	$124M	$131M
Q2 24	$25M	$126M	$151M
Q3 24	$17M	$133M	$150M
Q4 24	$7M	$120M	$127M
Q1 25	$6M	$85M	$91M
Q2 25	$7M	$144M	$151M
Q3 25	$20M	$143M	$162M
Q4 25	$13M	$152M	$166M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	5M	-16.5%	-16.9%
Q2 22	5M	-0.5%	-17.0%
Q3 22	5M	+0.1%	-16.8%
Q4 22	5M	+4.9%	-12.7%
Q1 23	5M	-7.8%	-3.7%
Q2 23	5M	-0.8%	-4.0%
Q3 23	5M	+0.1%	-4.0%
Q4 23	5M	+0.4%	-8.1%
Q1 24	5M	+1.2%	+0.9%
Q2 24	5M	+1.1%	+2.9%
Q3 24	4M	-8.9%	-6.4%
Q4 24	4M	-0.2%	-6.9%
Q1 25	4M	-1.0%	-8.9%
Q2 25	4M	-0.8%	-10.7%
Q3 25	5M	+9.8%	+7.7%
Q4 25	4M	-21.4%	-15.2%

Shares Outstanding