First Seacoast Bancorp (FSEA)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
First Seacoast Bancorp (FSEA) trades at $16.89 with AI Score 42/100 (Grade C). First Seacoast Bancorp operates as the holding company for First Seacoast Bank, offering banking products and services to individuals and businesses. Market cap: $79.26M, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for FSEA: FSEA does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FSEA against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
FSEA: the 1 perspectives are evenly split.
How is this calculated? →First Seacoast Bancorp (FSEA) Financial Services Profile
First Seacoast Bancorp, established in 1890, operates as the holding company for First Seacoast Bank, delivering banking solutions to individuals and businesses. The company focuses on deposit accounts, diverse lending options, and wealth management services within the regional banking sector of New Hampshire.
What Is the Investment Thesis for FSEA?
First Seacoast Bancorp presents a focused investment opportunity within the regional banking sector. The company's negative profit margin of -2.9% requires careful consideration, indicating potential challenges in operational efficiency or increased expenses. The company's beta of -0.01 suggests a low correlation with overall market movements, potentially offering stability during market volatility. Key to the investment thesis is the effective management of lending portfolios and the expansion of wealth management services. Investors should monitor the bank's ability to improve profitability through strategic cost management and revenue diversification. The absence of a dividend yield may deter income-focused investors.
Based on FMP financials and quantitative analysis
FSEA Key Highlights
- Market capitalization of $79.26M indicates a small-cap regional bank.
- Negative profit margin of -2.9% signals potential profitability concerns.
- Gross margin of 53.7% suggests efficient core operations despite overall losses.
- Beta of -0.01 indicates low volatility compared to the broader market.
- No dividend yield may impact investor appeal for income-seeking shareholders.
Who Are FSEA's Competitors?
FSEA is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| CVLY Codorus Valley Bancorp, Inc. | $24.04 | +4.98% | $232.28M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
| LLDTF Lloyds Banking Group plc | $1.45 | +0.00% | $84.34B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FSEA's Key Strengths?
- Long-standing history and established presence in local markets.
- Diversified range of banking products and services.
- Focus on personalized customer service.
- Wealth management expertise.
What Are FSEA's Weaknesses?
- Small market capitalization limits access to capital markets.
- Negative profit margin indicates profitability challenges.
- Limited geographic reach compared to larger regional banks.
- Dependence on local economy.
What Could Drive FSEA Stock Higher?
- Implementation of digital banking enhancements to attract and retain customers.
- Potential strategic partnerships with fintech companies to expand service offerings.
- Efforts to improve operational efficiency and reduce costs to improve profitability.
- Expansion of wealth management services to increase fee-based income.
What Are the Key Risks for FSEA?
- Financial-distress signal — its Altman Z-Score of -0.50 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-1.2%) — the business is not currently generating profit on shareholder capital.
- Interest rate fluctuations impacting net interest margin and profitability.
- Competition from larger national and regional banks.
- Regulatory compliance costs impacting operational expenses.
- Economic downturn affecting loan demand and credit quality.
What Are the Growth Opportunities for FSEA?
- Expansion of Wealth Management Services: First Seacoast Bancorp can capitalize on the growing demand for wealth management services in its operating regions. By expanding its offerings in retirement planning, investment strategies, and portfolio management, the company can attract new clients and increase fee-based income. The wealth management market is projected to grow, presenting a significant opportunity for First Seacoast Bancorp to enhance its revenue streams. Timeline: Ongoing.
- Strategic Branch Expansion: The company can strategically expand its branch network within underserved areas of New Hampshire and potentially into neighboring states. This expansion would increase its customer base and market share. Identifying locations with strong economic growth and limited banking options could provide a competitive advantage. Market studies and demographic analysis would be crucial for successful expansion. Timeline: 2-3 years.
- Enhancement of Digital Banking Platform: Investing in and enhancing its digital banking platform can attract and retain tech-savvy customers. Offering mobile banking, online account management, and digital payment solutions can improve customer convenience and operational efficiency. The digital banking market is rapidly growing, making this a critical area for investment. Timeline: Ongoing.
- Focus on Commercial Lending: First Seacoast Bancorp can focus on expanding its commercial lending portfolio by targeting small and medium-sized businesses (SMBs) in its operating regions. Offering tailored loan products and financial services to SMBs can drive revenue growth and strengthen relationships with local businesses. The SMB lending market is substantial and offers significant growth potential. Timeline: Ongoing.
- Partnerships with Fintech Companies: Collaborating with fintech companies can provide First Seacoast Bancorp with access to innovative technologies and services, such as online lending platforms and digital payment solutions. These partnerships can enhance its product offerings and improve customer experience. The fintech market is rapidly evolving, presenting opportunities for strategic alliances. Timeline: 1-2 years.
What Opportunities Does FSEA Have?
- Expansion of digital banking services.
- Strategic branch expansion into underserved areas.
- Growth in wealth management business.
- Partnerships with fintech companies.
What Threats Does FSEA Face?
- Competition from larger national and regional banks.
- Interest rate fluctuations impacting net interest margin.
- Regulatory compliance costs.
- Economic downturn affecting loan demand and credit quality.
What Are FSEA's Competitive Advantages?
- Established local presence in Strafford and Rockingham Counties, New Hampshire.
- Long-standing customer relationships built over 130+ years.
- Expertise in wealth management services.
- Personalized customer service approach.
What Does FSEA Do?
Founded in 1890 and headquartered in Dover, New Hampshire, First Seacoast Bancorp operates as the holding company for First Seacoast Bank. The bank provides a range of banking products and services tailored to individuals and businesses. Its offerings include interest-bearing and non-interest-bearing checking, savings, and money market accounts, as well as time deposits. First Seacoast Bank's lending portfolio encompasses 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. Beyond traditional banking services, First Seacoast Bank extends its expertise into wealth management, offering retirement planning, portfolio management, investment and insurance strategies, business retirement plans, and college planning services. The bank operates through a wealth management office in Dover, New Hampshire, along with four full-service banking offices in Strafford County, New Hampshire, and one full-service banking office in Rockingham County, New Hampshire. First Seacoast Bancorp is a subsidiary of First Seacoast Bancorp, MHC.
What Products and Services Does FSEA Offer?
- Provides interest-bearing and non-interest-bearing checking accounts.
- Offers savings and money market accounts.
- Provides time deposits.
- Offers one- to four-family residential real estate loans.
- Provides commercial real estate and multi-family loans.
- Offers acquisition, development, and land loans.
- Provides commercial and industrial loans.
- Offers home equity loans and lines of credit.
How Does FSEA Make Money?
- Generates revenue from interest earned on loans.
- Earns fees from wealth management services.
- Collects service charges on deposit accounts.
- Manages risk through diversification of loan portfolio.
What Industry Does FSEA Operate In?
First Seacoast Bancorp operates within the regional banking sector, which is characterized by intense competition from larger national banks and credit unions. The industry is influenced by interest rate fluctuations, regulatory requirements, and economic conditions. Regional banks like First Seacoast Bancorp differentiate themselves through personalized customer service and local market expertise. The market is seeing a trend toward digital banking solutions and increased compliance costs, impacting operational strategies and profitability.
Who Are FSEA's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans.
- Real estate developers needing financing for projects.
- Clients seeking wealth management and retirement planning services.
F-Score 7/9Financial Health
First Seacoast Bancorp's Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.50 places it in the distress zone, a signal of elevated financial risk.
ROE -1%Key Financial Metrics
Return on equity for First Seacoast Bancorp stands at -1.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -0.1%, showing how much profit it generates from its asset base. Its free cash flow yield is -0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.26 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -1.0%, the inverse of the P/E and a quick read on earnings relative to price.
FSEA Valuation & Market Position
With a $79.26M market cap, First Seacoast Bancorp sits in the micro-cap segment of the market. Relative to its peer group, FSEA's quantitative score of 42/100 is below the peer average of 68/100.
FSEA Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, aligning incentives between management and shareholders.
- The community seems optimistic about FSEA's potential for expansion in the current market, fueled by positive chatter about new branch openings.
- Favorable market perception of community banks as safe havens during economic uncertainty could drive increased investment in FSEA.
- Positive community sentiment surrounding FSEA's customer service and community involvement is building brand loyalty and attracting new customers.
Bear Case
- Increased regulatory scrutiny on smaller banks could increase compliance costs and impact profitability for FSEA.
- Community discussions highlight concerns about rising interest rates potentially impacting FSEA's loan portfolio and net interest margin.
- Bearish community sentiment regarding the overall economic outlook could dampen enthusiasm for regional banks like FSEA.
- Recent market developments suggest increasing competition from larger national banks encroaching on FSEA's market share, potentially impacting growth.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
FSEA Latest News
No recent news available for FSEA.
FSEA Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FSEA.
Price Targets
Wall Street price target analysis for FSEA.
FSEA MoonshotScore
What does this score mean?
The MoonshotScore rates FSEA's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: James R. Brannen
CEO
James R. Brannen serves as the CEO of First Seacoast Bancorp. His background includes extensive experience in the financial services industry, with a focus on community banking and wealth management. Brannen has held various leadership positions within the banking sector, contributing to his expertise in strategic planning, risk management, and customer relationship management. His educational background includes a degree in Finance and certifications in banking operations.
Track Record: Under James R. Brannen's leadership, First Seacoast Bancorp has focused on expanding its wealth management services and enhancing its digital banking platform. He has overseen the implementation of new technologies to improve customer experience and operational efficiency. Brannen has also emphasized strengthening relationships with local businesses and expanding the bank's commercial lending portfolio.
What Investors Ask About First Seacoast Bancorp (FSEA) — Financial Services
What does First Seacoast Bancorp do?
First Seacoast Bancorp functions as the holding company for First Seacoast Bank, a community bank providing financial services to individuals and businesses. The bank offers a range of deposit products, including checking, savings, and money market accounts, as well as lending solutions such as residential mortgages, commercial real estate loans, and consumer loans. Additionally, First Seacoast Bank provides wealth management services, including retirement planning and investment advice, operating primarily in Strafford and Rockingham Counties, New Hampshire.
What do analysts say about FSEA stock?
As of 2026-05-10, there is limited analyst coverage specifically for First Seacoast Bancorp (FSEA) due to its small market capitalization. Key valuation metrics should be assessed relative to its regional banking peers. Investors may want to evaluate the company's negative profit margin and growth opportunities in wealth management and digital banking. The absence of a dividend yield may influence investor sentiment. Further research into the company's financial statements and market position is recommended.
What are the main risks for FSEA?
First Seacoast Bancorp faces several risks inherent to the regional banking sector. Interest rate fluctuations can significantly impact its net interest margin, affecting profitability. Competition from larger national and regional banks poses a continuous threat to market share. Regulatory compliance costs can increase operational expenses. Additionally, economic downturns in its operating regions can affect loan demand and credit quality, potentially leading to increased loan losses. Effective risk management and strategic adaptation are crucial for mitigating these challenges.
What are the key factors to evaluate for FSEA?
First Seacoast Bancorp (FSEA) holds an AI score of 42/100 (low). Not financial advice.
How frequently does FSEA data refresh on this page?
FSEA prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FSEA's recent stock price performance?
First Seacoast Bancorp (FSEA) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing history and established presence in local markets. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FSEA overvalued or undervalued right now?
Valuing First Seacoast Bancorp (FSEA) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying FSEA?
Before investing in First Seacoast Bancorp (FSEA), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available company data and may be subject to change.
- Financial metrics are as of the latest available reporting period.