First Seacoast Bancorp (FSEA) Stock

First Seacoast Bancorp (FSEA) is a Financials stock trading at $17.18 (as of 2026-09-02), with a market capitalization of $80.85M and a trailing P/E of 1837.4. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

First Seacoast Bancorp is a holding company for First Seacoast Bank, offering deposit accounts, lending products, and wealth management services for individuals and businesses. It provides retail banking and related financing and operates offices in New Hampshire, with headquarters in Dover.

Understand First Seacoast Bancorp: how it makes money

First Seacoast Bancorp is the holding company for First Seacoast Bank, a community bank selling mortgages, commercial loans, consumer credit, and deposit accounts to households and small businesses in New Hampshire and Maine. Revenue comes from the classic bank spread: the difference between what it earns on loans and what it pays on deposits, plus modest fee income.

Profit is generated by the net interest spread between loan yields and deposit funding costs, with service fees as a thin supplement; when that spread compresses, the entire P&L is squeezed.

Business quality (Unprofitable): Unprofitable. Operating margin sits at 0% and revenue is declining, leaving no earnings cushion for credit losses or competitive rate pressure.

Bear case

  • Margin offers no loss buffer: Operating margin is 0%, meaning the bank is barely covering its operating expenses before credit losses. Any uptick in loan defaults or a further rate squeeze would push the bottom line into outright losses with no cushion to absorb the hit.
Valuation — source: SEC EDGAR (first-party)
Price$17.18
Market Cap$80.85M
P/E Ratio1837.4
Price / Book1.27
Price / Sales3.03
FCF Yield0.4%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$26.99M
Net Margin-3.1%
Revenue Growth (YoY)-4.5%
EPS Growth (YoY)-146.2%
FCF Growth (YoY)31.2%
Valuation vs Sector & Industry
Stock P/E1837.4
Sector P/E (Financials)14.9
Industry P/E (Banking)12.7
vs Sector12217.6%
vs Industry14373.2%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderALLIANCEBERNSTEIN L.P. ($6.05M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOJames R. Brannen
Employees75
CountryUS
IPO Date2019-07-17

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FSEA earnings history · FSEA institutional & insider holders · FSEA KPIs & operating metrics · FSEA financials · FSEA investor presentations & press releases · FSEA SEC filings · FSEA peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-09-02.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.