What is First Seacoast Bancorp, Inc.'s (FSEA) StockRank?

MoatMap's StockRank for First Seacoast Bancorp, Inc. (FSEA) is 32/100, with a Sell signal. This is a composite score combining Quality (24), Value (29), and Momentum (69) factor ranks across MoatMap's 20,000+ stock universe.

Does First Seacoast Bancorp, Inc. have an economic moat?

First Seacoast Bancorp, Inc. (FSEA) has a Quality factor score of 24/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is First Seacoast Bancorp, Inc. a buy, hold, or sell?

MoatMap's current signal for First Seacoast Bancorp, Inc. (FSEA) is Sell, based on a StockRank of 32/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is First Seacoast Bancorp, Inc. in?

First Seacoast Bancorp, Inc. (FSEA) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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FSEA

SELLREMOVE

First Seacoast Bancorp, Inc. · Financial Services · United States · $79M · Avg Vol: $578K/d

StockRank

P/E (TTM)

—

ROE

-1.2%

D/E

—

Dividend %

—

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

First Seacoast Bancorp is a micro-cap regional savings bank lacking any structural scale, pricing power, or alignment with our core macro themes. It operates in a highly commoditized industry with no clear competitive advantage or asymmetric upside.

COMPANY DESCRIPTION

First Seacoast Bancorp, Inc. is the holding company for First Seacoast Bank, providing consumer and business banking services in southeastern New Hampshire. The bank's competitive moat is built on its long-standing local brand and a stable, relationship-driven deposit base in its coastal market. It operates as a conservative, community-oriented financial institution with a primary focus on residential mortgages and local commercial lending.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	15.6M	9.3M	13.2M	15.3M	-0.7%
EPS	-0.12	-2.29	-0.12	-0.23	—
Shares	6.2M	5.2M	5.3M	5.3M	-14.5%
Debt	99.4M	73.0M	52.3M	52.3M	-19.3%
Equity	49.3M	66.6M	62.0M	63.5M	8.8%
Op CF	1.0M	-1.9M	-2.9M	0.4M	-22.7%
Inv CF	-58.1M	-39.5M	-2.5M	-9.9M	—
Fin CF	58.7M	39.2M	6.5M	15.7M	—

PRICE (1Y)+0.8%

SMA 50SMA 200

$16.85

RSI (14)

59.3

52W High

$17.00

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

-0.1%*12.0

ROE

-1.2%8.3

GP/Assets

2.6%30.2

Op. Margin

-3.4%5.9

FCF/Assets

—N/A

Piotroski

565.9

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

—N/A

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

1.2x47.9

P/S

5.0x31.5

Div Yield

—N/A

Momentum

52W High %

99%88.1

RS 6M

26%93.4

SMA 50/200

1.16x87.9

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

—N/A

FUNDAMENTALS

Market Cap

$79M

P/E (Forward)

—

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FSEA are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
FSEA	First Seacoast Bancorp, Inc.(you)	$79M	32	SELL
AUBN	Auburn National Bancorporation, Inc.	$87M	34	SELL
FUSB	First US Bancshares, Inc.	$92M	26	SELL
SSBI	Summit State Bank	$92M	38	HOLD
BKSC	Bank of South Carolina Corporation	$86M	41	HOLD
CPBI	Central Plains Bancshares, Inc.	$78M	44	HOLD
FNWB	First Northwest Bancorp	$91M	23	SELL
CLST	Catalyst Bancorp, Inc.	$66M	23	SELL
RVSB	Riverview Bancorp, Inc.	$114M	26	SELL
SFBC	Sound Financial Bancorp, Inc.	$103M	24	SELL

Peer medians: ROE 10.7% · P/E 13.5x · Gross margin 0.0%

First Seacoast Bancorp, Inc. (FSEA) — Stock Score Summary

First Seacoast Bancorp, Inc. (FSEA) has a MoatMap StockRank of 32/100 based on Quality (24/100), Value (29/100), and Momentum (69/100) factor scores. The current signal is SELL. First Seacoast Bancorp is a micro-cap regional savings bank lacking any structural scale, pricing power, or alignment with our core macro themes. It operates in a highly commoditized industry with no clear competitive advantage or asymmetric upside.

Key Financial Metrics

Price	$16.85
Market Cap	$79M
Price/Book	1.17
Return on Equity	-1.2%
Gross Margin	0.0%
Operating Margin	-3.4%
Revenue Growth	11.4%

First Seacoast Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is First Seacoast Bancorp, Inc.’s (FSEA) StockRank?: MoatMap’s StockRank for First Seacoast Bancorp, Inc. (FSEA) is 32/100, with a Sell signal. It is a composite of Quality (24), Value (29), and Momentum (69) factor ranks across MoatMap’s 20,000+ stock universe.
Does First Seacoast Bancorp, Inc. have an economic moat?: First Seacoast Bancorp, Inc. (FSEA) has a Quality factor score of 24/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is First Seacoast Bancorp, Inc. a buy, hold, or sell?: MoatMap’s current signal for First Seacoast Bancorp, Inc. (FSEA) is Sell, based on a StockRank of 32/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is First Seacoast Bancorp, Inc. in?: First Seacoast Bancorp, Inc. (FSEA) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).