First Seacoast Bancorp Key Fundamental Indicators
| FSEA Stock | USD 13.11 0.11 0.85% |
As of the 30th of January, First Seacoast shows the Mean Deviation of 1.59, coefficient of variation of 1239.93, and Downside Deviation of 2.85. First Seacoast Bancorp technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.
First Seacoast Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 7.696 | Revenue |
First | Select Account or Indicator | Build AI portfolio with First Stock |
First Seacoast Balance Sheet | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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First Seacoast Valuation Data | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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First Fundamental Market Drivers
First Upcoming Events
| 8th of February 2024 Upcoming Quarterly Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View |
First Profit Margin Driver Correlations
Understanding the fundamental principles of building solid financial models for First Seacoast is extremely important. It helps to project a fair market value of First Stock properly, considering its historical fundamentals such as Profit Margin. Since First Seacoast's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of First Seacoast's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of First Seacoast's interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Seacoast. Market participants price First higher when confident in its future expansion prospects. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive First Seacoast assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 7 | Earnings Share (0.50) | Revenue Per Share | Quarterly Revenue Growth 0.198 | Return On Assets |
Investors evaluate First Seacoast Bancorp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating First Seacoast's intrinsic value—the estimated true worth—helps identify when the stock trades at a discount or premium to fair value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. External factors like market trends, sector rotation, and investor psychology can cause First Seacoast's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between First Seacoast's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Seacoast is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, First Seacoast's market price signifies the transaction level at which participants voluntarily complete trades.
First Seacoast 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to First Seacoast's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of First Seacoast.
| 11/01/2025 |
| 01/30/2026 |
If you would invest 0.00 in First Seacoast on November 1, 2025 and sell it all today you would earn a total of 0.00 from holding First Seacoast Bancorp or generate 0.0% return on investment in First Seacoast over 90 days. First Seacoast is related to or competes with Catalyst Bancorp, AmeriServ Financial, OptimumBank Holdings, Broadway Financial, NSTS Bancorp, Texas Community, and Tectonic Financial. First Seacoast Bancorp, Inc. operates as the holding company for First Seacoast Bank that provides commercial and consum... More
First Seacoast Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure First Seacoast's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess First Seacoast Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 2.85 | |||
| Information Ratio | 0.0601 | |||
| Maximum Drawdown | 25.19 | |||
| Value At Risk | (3.38) | |||
| Potential Upside | 4.23 |
First Seacoast Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for First Seacoast's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as First Seacoast's standard deviation. In reality, there are many statistical measures that can use First Seacoast historical prices to predict the future First Seacoast's volatility.| Risk Adjusted Performance | 0.0661 | |||
| Jensen Alpha | 0.2426 | |||
| Total Risk Alpha | 0.0198 | |||
| Sortino Ratio | 0.063 | |||
| Treynor Ratio | (1.03) |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of First Seacoast's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
First Seacoast January 30, 2026 Technical Indicators
| Cycle Indicators | ||
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| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0661 | |||
| Market Risk Adjusted Performance | (1.02) | |||
| Mean Deviation | 1.59 | |||
| Semi Deviation | 2.03 | |||
| Downside Deviation | 2.85 | |||
| Coefficient Of Variation | 1239.93 | |||
| Standard Deviation | 2.99 | |||
| Variance | 8.94 | |||
| Information Ratio | 0.0601 | |||
| Jensen Alpha | 0.2426 | |||
| Total Risk Alpha | 0.0198 | |||
| Sortino Ratio | 0.063 | |||
| Treynor Ratio | (1.03) | |||
| Maximum Drawdown | 25.19 | |||
| Value At Risk | (3.38) | |||
| Potential Upside | 4.23 | |||
| Downside Variance | 8.14 | |||
| Semi Variance | 4.12 | |||
| Expected Short fall | (2.11) | |||
| Skewness | 2.13 | |||
| Kurtosis | 14.13 |
First Seacoast Bancorp Backtested Returns
First Seacoast appears to be somewhat reliable, given 3 months investment horizon. First Seacoast Bancorp secures Sharpe Ratio (or Efficiency) of 0.0755, which denotes the company had a 0.0755 % return per unit of risk over the last 3 months. We have found thirty technical indicators for First Seacoast Bancorp, which you can use to evaluate the volatility of the firm. Please utilize First Seacoast's Downside Deviation of 2.85, mean deviation of 1.59, and Coefficient Of Variation of 1239.93 to check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, First Seacoast holds a performance score of 5. The firm shows a Beta (market volatility) of -0.22, which means not very significant fluctuations relative to the market. As returns on the market increase, returns on owning First Seacoast are expected to decrease at a much lower rate. During the bear market, First Seacoast is likely to outperform the market. Please check First Seacoast's potential upside, skewness, and the relationship between the maximum drawdown and semi variance , to make a quick decision on whether First Seacoast's price patterns will revert.
Auto-correlation | -0.02 |
Very weak reverse predictability
First Seacoast Bancorp has very weak reverse predictability. Overlapping area represents the amount of predictability between First Seacoast time series from 1st of November 2025 to 16th of December 2025 and 16th of December 2025 to 30th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of First Seacoast Bancorp price movement. The serial correlation of -0.02 indicates that only 2.0% of current First Seacoast price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.02 | |
| Spearman Rank Test | 0.13 | |
| Residual Average | 0.0 | |
| Price Variance | 0.13 |
In a nutshell, Profit Margin indicator shows the amount of money the company makes from total sales or revenue. It can provide a good insight into companies in the same sector, as well as help to identify trends of a company from year to year.
| Competition |
First Pretax Profit Margin
Pretax Profit Margin |
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Based on the latest financial disclosure, First Seacoast Bancorp has a Profit Margin of -0.1468%. This is 101.26% lower than that of the Banks sector and significantly lower than that of the Financials industry. The profit margin for all United States stocks is 88.44% lower than that of the firm.
First Seacoast Bancorp Fundamental Drivers Relationships
Comparative valuation techniques use various fundamental indicators to help in determining First Seacoast's current stock value. Our valuation model uses many indicators to compare First Seacoast value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First Seacoast competition to find correlations between indicators driving First Seacoast's intrinsic value. More Info.First Seacoast Bancorp is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers . At present, First Seacoast's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the First Seacoast's earnings, one of the primary drivers of an investment's value.First Profit Margin Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses First Seacoast's direct or indirect competition against its Profit Margin to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of First Seacoast could also be used in its relative valuation, which is a method of valuing First Seacoast by comparing valuation metrics of similar companies.First Seacoast is currently under evaluation in profit margin category among its peers.
First Seacoast Current Valuation Drivers
We derive many important indicators used in calculating different scores of First Seacoast from analyzing First Seacoast's financial statements. These drivers represent accounts that assess First Seacoast's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of First Seacoast's important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 74.3M | 55.1M | 35.8M | 43.5M | 39.2M | 36.4M | |
| Enterprise Value | 95.9M | 145.5M | 102.7M | 88.7M | 79.8M | 79.8M |
First Seacoast ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, First Seacoast's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to First Seacoast's managers, analysts, and investors.Environmental | Governance | Social |
First Fundamentals
| Return On Equity | -0.0336 | |||
| Return On Asset | -0.0036 | |||
| Profit Margin | (0.15) % | |||
| Operating Margin | (0.02) % | |||
| Current Valuation | 96.76 M | |||
| Shares Outstanding | 4.7 M | |||
| Shares Owned By Insiders | 28.31 % | |||
| Shares Owned By Institutions | 23.50 % | |||
| Number Of Shares Shorted | 6 K | |||
| Price To Earning | 27.99 X | |||
| Price To Book | 0.96 X | |||
| Price To Sales | 4.18 X | |||
| Revenue | 26.68 M | |||
| Gross Profit | 14.75 M | |||
| EBITDA | 398 K | |||
| Net Income | (513 K) | |||
| Cash And Equivalents | 5.27 M | |||
| Cash Per Share | 0.90 X | |||
| Total Debt | 52.27 M | |||
| Book Value Per Share | 14.50 X | |||
| Cash Flow From Operations | (2.95 M) | |||
| Short Ratio | 1.92 X | |||
| Earnings Per Share | (0.50) X | |||
| Number Of Employees | 75 | |||
| Beta | 0.006 | |||
| Market Capitalization | 61.65 M | |||
| Total Asset | 580.78 M | |||
| Retained Earnings | 25.08 M | |||
| Net Asset | 580.78 M |
About First Seacoast Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze First Seacoast Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of First Seacoast using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of First Seacoast Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.| Last Reported | Projected for Next Year | ||
| Total Revenue | 30.7 M | 19.8 M | |
| Cost Of Revenue | 15.5 M | 16.3 M | |
| Stock Based Compensation To Revenue | 0.03 | 0.02 | |
| Sales General And Administrative To Revenue | 0.34 | 0.38 | |
| Capex To Revenue | 0.02 | 0.03 | |
| Revenue Per Share | 7.08 | 5.10 |
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Seacoast. Market participants price First higher when confident in its future expansion prospects. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive First Seacoast assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 7 | Earnings Share (0.50) | Revenue Per Share | Quarterly Revenue Growth 0.198 | Return On Assets |
Investors evaluate First Seacoast Bancorp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating First Seacoast's intrinsic value—the estimated true worth—helps identify when the stock trades at a discount or premium to fair value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. External factors like market trends, sector rotation, and investor psychology can cause First Seacoast's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between First Seacoast's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Seacoast is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, First Seacoast's market price signifies the transaction level at which participants voluntarily complete trades.