First Seacoast Bancorp Inc. Common Stock (FSEA)

FairStock Score: 62/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at First Seacoast Bancorp as a very small regional bank holding company—72 employees, a $52.4 million market capitalization at the close on 2026-10-05—trading at 1.18 times book, a FairStock calculation. That is not a bargain unless earnings power is real. The record is the problem: in fiscal 2023, the year ended 2023-12-31, it lost $10.7 million, or $2.29 per diluted share. In fiscal 2024, the year ended 2024-12-31, it lost $513,000, or $0.12 per share. In fiscal 2025, the year ended 2025-12-31, it lost $845,000, or $0.23 per share. FairStock's Lynch screen says no category fits because it lost money in each of the last four years. Recent quarters are mixed: in fiscal Q1 2026, the quarter ended 2026-03-31, net loss was $508,000 and diluted EPS was $-0.12, but in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $249,000 and diluted EPS was $0.05. That is not consistent earnings power. FairStock's ROE is 0.07% and ROCE is 0.01%, so capital is barely earning anything. Piotroski F-Score of 5/9 is mediocre. A bank's balance sheet matters more than many figures here; CET1, NIM, nonperforming loans, reserves and combined ratio are not in the data, so I cannot judge credit or leverage. The low beta of 0.09 and the 52-week move to $17.25 do not create a margin of safety by themselves. Until it strings together several profitable quarters and I can see capital and credit quality, this looks speculative, not a Graham-style bargain.

In plain English: First Seacoast Bancorp is a small bank holding company that offers checking and savings accounts, loans, and wealth services. The bank has lost money in each of the last four years, though it made a small profit in the latest quarter. At $17.25 a share, the price looks high compared with the very small earnings and modest accounting value, so it does not look clearly cheap.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-05 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer