NASDAQ : FSEA
First Seacoast Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 17.25 USD (At close: Sep 30, 2026) · Market cap 75.25M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 19.80M | 20.21M | 19.63M | 16.90M | 14.09M | 14.13M |
| Interest Income on Investments | 6.91M | 6.77M | 5.80M | 3.69M | 2.52M | 1.37M |
| Total Interest Income | 26.72M | 26.99M | 25.43M | 20.59M | 16.61M | 15.49M |
| Interest Paid on Deposits | 10.08M | 10.72M | 9.66M | 5.37M | 701.00K | 586.00K |
| Interest Paid on Borrowings | 2.36M | 2.58M | 3.87M | 3.71M | 1.05M | 649.00K |
| Total Interest Expense | 12.44M | 13.30M | 13.53M | 9.08M | 1.75M | 1.24M |
| Net Interest Income | 14.28M | 13.69M | 11.90M | 11.51M | 14.86M | 14.26M |
| Gain (Loss) on Sale of Assets | 2.52M | -2.00K | ||||
| Gain (Loss) on Sale of Investments | 7.00K | -4.17M | -747.00K | 535.00K | ||
| Other Non-Interest Income | 1.71M | 1.64M | 1.35M | 2.17M | 1.63M | 1.58M |
| Total Non-Interest Income | 1.82M | 1.75M | 3.90M | -2.01M | 888.00K | 2.25M |
| Revenues Before Loan Losses | 16.10M | 15.44M | 15.80M | 9.50M | 15.75M | 16.51M |
| Provision for Loan Losses | -62.00K | -1.00K | -72.00K | 188.00K | 205.00K | |
| Revenue | 16.16M | 15.44M | 15.87M | 9.31M | 15.75M | 16.30M |
| Salaries and Employee Benefits | 8.88M | 8.78M | 8.45M | 8.98M | 10.16M | 7.67M |
| Federal Deposit Insurance | 416.00K | 440.00K | 399.00K | 257.00K | 154.00K | 125.00K |
| Selling, General & Administrative | 5.35M | 5.58M | 5.08M | 5.58M | 5.23M | 4.33M |
| Other Non-Interest Expense | 1.14M | 1.18M | 1.29M | 1.21M | 1.22M | 958.00K |
| Total Non-Interest Expense | 16.69M | 16.92M | 15.86M | 16.03M | 16.77M | 13.08M |
| EBT Excluding Unusual Items | -531.00K | -1.48M | 14.00K | -6.71M | -1.02M | 3.22M |
| Pretax Income | -531.00K | -1.48M | 14.00K | -6.71M | -1.02M | 3.22M |
| Income Tax Expense | -575.00K | -638.00K | 527.00K | 3.94M | -451.00K | 601.00K |
| Net Income | 44.00K | -845.00K | -513.00K | -10.66M | -565.00K | 2.62M |
| Net Income to Common | 44.00K | -845.00K | -513.00K | -10.66M | -565.00K | 2.62M |
| Basic Shares Outstanding | 3.68M | 3.68M | 4.34M | 4.65M | 4.82M | 4.86M |
| Diluted Shares Outstanding | 3.68M | 3.68M | 4.34M | 4.65M | 4.82M | 4.86M |
| EPS (Basic) | 0.01 | -0.23 | -0.12 | -2.29 | -0.12 | 0.54 |
| EPS (Diluted) | 0.01 | -0.23 | -0.12 | -2.29 | -0.12 | 0.54 |
| Effective Tax Rate | 3,764.29% | 18.65% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 5.05M | 12.96M | 6.32M | 4.47M | 7.71M | 6.11M |
| Investment Securities | 46.35M | 53.17M | 52.39M | 81.16M | 78.80M | 65.95M |
| Trading Asset Securities | 42.00K | 54.00K | 114.00K | 90.00K | 961.00K | 200.00K |
| Mortgage-Backed Securities | 87.44M | 99.24M | 67.82M | 40.70M | 28.05M | 26.66M |
| Total Investments | 133.82M | 152.46M | 120.33M | 121.94M | 107.81M | 92.81M |
| Gross Loans | 421.86M | 419.47M | 438.97M | 430.03M | 402.50M | 376.64M |
| Allowance for Loan Losses | -3.43M | -3.43M | -3.49M | -3.39M | -3.58M | -3.59M |
| Net Loans | 418.44M | 416.05M | 435.48M | 426.64M | 398.92M | 373.05M |
| Property, Plant & Equipment | 6.93M | 5.94M | 6.40M | 4.66M | 4.38M | 4.57M |
| Other Intangible Assets | 324.00K | 324.00K | 324.00K | 324.00K | 347.00K | |
| Accrued Interest Receivable | 2.07M | 2.11M | 2.10M | 2.29M | 1.99M | 1.50M |
| Restricted Cash | 450.00K | 450.00K | 781.00K | 1.60M | 535.00K | 526.00K |
| Long-Term Deferred Tax Assets | 735.00K | |||||
| Other Long-Term Assets | 7.31M | 6.57M | 6.54M | 6.12M | 12.24M | 5.74M |
| Total Assets | 576.12M | 599.29M | 580.78M | 571.03M | 537.42M | 487.07M |
| Interest Bearing Deposits | 358.41M | 377.25M | 373.22M | 321.85M | 281.81M | 288.34M |
| Institutional Deposits | 23.77M | 23.83M | 18.82M | 17.11M | 7.80M | 6.28M |
| Non-Interest Bearing Deposits | 72.02M | 69.69M | 62.17M | 65.84M | 92.76M | 98.62M |
| Total Deposits | 454.20M | 470.77M | 454.21M | 404.80M | 382.36M | 393.24M |
| Short-Term Borrowings | 27.00K | 191.00K | 114.00K | 20.85M | ||
| Current Portion of Long-Term Debt | 42.06M | 50.00M | 520.00K | 21.14M | 96.73M | 12.26M |
| Current Portion of Leases | 509.00K | 830.00K | ||||
| Other Current Liabilities | 574.00K | 811.00K | 654.00K | 640.00K | 938.00K | 652.00K |
| Federal Home Loan Bank Debt, Long-Term | 2.78M | 2.31M | 51.75M | 51.87M | 2.67M | 17.20M |
| Long-Term Leases | 7.05M | 5.98M | 7.16M | 587.00K | 202.00K | |
| Other Long-Term Liabilities | 5.10M | 4.86M | 4.33M | 4.54M | 5.19M | 3.25M |
| Total Liabilities | 512.30M | 535.75M | 518.73M | 504.42M | 488.09M | 426.61M |
| Common Stock | 53.00K | 53.00K | 53.00K | 52.00K | 62.00K | 62.00K |
| Additional Paid-In Capital | 54.79M | 54.52M | 53.90M | 52.64M | 26.77M | 26.78M |
| Retained Earnings | 23.98M | 24.24M | 25.08M | 25.60M | 36.25M | 36.81M |
| Treasury Stock | -6.09M | -6.07M | -5.08M | -1.38M | -1.38M | -748.00K |
| Comprehensive Income & Other | -8.92M | -9.20M | -11.90M | -10.29M | -12.36M | -2.44M |
| Shareholders' Equity | 63.81M | 63.55M | 62.05M | 66.62M | 49.34M | 60.47M |
| Total Liabilities & Equity | 576.12M | 599.29M | 580.78M | 571.03M | 537.42M | 487.07M |
| Total Debt | 52.44M | 59.30M | 59.54M | 94.44M | 99.60M | 29.46M |
| Net Cash (Debt) | -47.35M | -46.29M | -53.11M | -89.88M | -90.18M | -21.91M |
| Net Cash Per Share | -12.86 | -12.59 | -12.25 | -19.33 | -18.71 | -4.51 |
| Filing Date Shares Outstanding | 4.36M | 4.36M | 4.43M | 4.71M | 4.91M | 4.95M |
| Total Common Shares Outstanding | 4.36M | 4.36M | 4.43M | 4.71M | 4.91M | 4.95M |
| Book Value Per Share | 14.63 | 14.59 | 14.00 | 14.15 | 10.05 | 12.22 |
| Tangible Book Value | 63.81M | 63.22M | 61.73M | 66.29M | 49.01M | 60.12M |
| Tangible Book Value Per Share | 14.63 | 14.51 | 13.93 | 14.08 | 9.98 | 12.15 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 44.00K | -845.00K | -513.00K | -10.66M | -565.00K | 2.62M |
| Depreciation & Amortization | 324.00K | 317.00K | 384.00K | 486.00K | 522.00K | 561.00K |
| Gain (Loss) on Sale of Assets | -2.52M | 2.00K | ||||
| Gain (Loss) on Sale of Investments | 273.00K | 387.00K | 542.00K | 5.08M | 1.76M | 164.00K |
| Provision for Credit Losses | -62.00K | -1.00K | -72.00K | 188.00K | 205.00K | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 105.00K | 114.00K | 25.00K | 2.00K | 2.00K | 130.00K |
| Accrued Interest Receivable | 85.00K | -5.00K | 191.00K | -306.00K | -489.00K | -87.00K |
| Change in Other Net Operating Assets | -640.00K | 287.00K | -2.15M | -398.00K | -466.00K | -1.51M |
| Other Operating Activities | 59.00K | -844.00K | ||||
| Operating Cash Flow | 372.00K | 449.00K | -2.95M | -1.92M | 973.00K | 2.42M |
| Capital Expenditures | -432.00K | -120.00K | -368.00K | -349.00K | -103.00K | -36.00K |
| Sale of Property, Plant and Equipment | 7.39M | |||||
| Investment in Securities | 12.94M | -29.56M | -462.00K | -13.79M | -31.08M | -36.06M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 17.74M | 19.76M | -9.13M | -26.71M | -25.07M | -7.51M |
| Other Investing Activities | 626.00K | 67.00K | 58.00K | 1.36M | -1.81M | 108.00K |
| Investing Cash Flow | 30.87M | -9.86M | -2.51M | -39.49M | -58.07M | -43.50M |
| Short-Term Debt Issued | 45.00M | 71.73M | ||||
| Long-Term Debt Issued | 560.00K | 26.94M | 50.00M | 468.00K | 15.43M | |
| Total Debt Issued | 10.89M | 560.00K | 26.94M | 95.00M | 72.20M | 15.43M |
| Short-Term Debt Repaid | -40.34M | -86.39M | -18.29M | |||
| Long-Term Debt Repaid | -577.00K | -25.83M | -15.00M | -2.26M | -20.00M | |
| Total Debt Repaid | -25.06M | -577.00K | -66.17M | -101.39M | -2.26M | -38.29M |
| Net Debt Issued (Repaid) | -14.17M | -17.00K | -39.23M | -6.39M | 69.94M | -22.86M |
| Issuance of Common Stock | 25.62M | |||||
| Repurchase of Common Stock | -165.00K | -981.00K | -3.70M | -2.25M | -629.00K | -515.00K |
| Net Increase (Decrease) in Deposit Accounts | -18.06M | 16.57M | 49.41M | 22.43M | -10.88M | 65.86M |
| Other Financing Activities | -59.00K | 157.00K | 14.00K | -198.00K | 286.00K | -768.00K |
| Financing Cash Flow | -32.46M | 15.72M | 6.49M | 39.22M | 58.71M | 41.72M |
| Net Cash Flow | -1.22M | 6.31M | 1.03M | -2.18M | 1.61M | 642.00K |
| Free Cash Flow | -60.00K | 329.00K | -3.32M | -2.26M | 870.00K | 2.38M |
| Free Cash Flow Margin | -0.37% | 2.13% | -20.89% | -24.30% | 5.52% | 14.63% |
| Free Cash Flow Per Share | -0.02 | 0.09 | -0.77 | -0.49 | 0.18 | 0.49 |
| Cash Interest Paid | 12.64M | 13.29M | 13.44M | 8.79M | 1.69M | 1.28M |
| Cash Income Tax Paid | 150.00K | 120.00K | 49.00K | 56.00K | 47.00K | 386.00K |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 75.25M | 57.51M | 44.28M | 36.18M | 56.07M | 61.96M |
| Last Close Price | 17.25 | 13.20 | 10.04 | 7.69 | 11.43 | 12.77 |
| PE Ratio | 1,710.29 | 23.64 | ||||
| PS Ratio | 4.66 | 3.72 | 2.79 | 3.88 | 3.56 | 3.80 |
| PB Ratio | 1.18 | 0.91 | 0.71 | 0.54 | 1.14 | 1.02 |
| P/FCF Ratio | 174.79 | 64.45 | 25.98 | |||
| P/OCF Ratio | 202.29 | 128.07 | 57.62 | 25.59 | ||
| Debt / Equity Ratio | 0.82 | 0.93 | 0.96 | 1.42 | 2.02 | 0.49 |
| Debt / FCF Ratio | 180.26 | 114.48 | 12.35 | |||
| Net Debt / Equity Ratio | 0.74 | 0.73 | 0.86 | 1.35 | 1.83 | 0.36 |
| Net Debt / FCF Ratio | -789.12 | 140.69 | -16.02 | -39.70 | 103.65 | 9.18 |
| Return on Equity (ROE) | 0.07% | -1.34% | -0.80% | -18.38% | -1.03% | 4.39% |
| Return on Assets (ROA) | 0.01% | -0.14% | -0.09% | -1.92% | -0.11% | 0.56% |
| Earnings Yield | 0.06% | -1.47% | -1.16% | -29.45% | -1.01% | 4.23% |
| FCF Yield | -0.08% | 0.57% | -7.49% | -6.26% | 1.55% | 3.85% |
| Buyback Yield / Dilution | 11.54% | 15.20% | 6.79% | 3.52% | 0.86% | 0.81% |