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

MoatMap's StockRank for First Seacoast Bancorp, Inc. (FSEA) is 49/100, with a Hold signal. This is a composite score combining Quality (30), Value (34), and Momentum (80) factor ranks across MoatMap's universe of 25,000+ stocks.

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

First Seacoast Bancorp, Inc. (FSEA) has a Quality factor score of 30/100. 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 Hold, based on a StockRank of 49/100. 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

HoldHot Air

First Seacoast Bancorp, Inc. · Financial Services · United States · $81M · Avg Vol: $66K/d

StockRank

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P/E (TTM)

—

ROE

0.1%

D/E

0.8x

Dividend %

—

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	TTM
Revenue	15.6M	9.3M	13.2M	15.3M	-0.7%	16.2M
EPS	-0.12	-2.29	-0.12	-0.23	—	-0.02
Shares	6.1M	4.7M	4.8M	4.7M	-22.6%	4.7M
Debt	99.4M	73.0M	52.3M	52.3M	-19.3%	52.4M
Equity	49.3M	66.6M	62.0M	63.5M	8.8%	—
Op CF	1.0M	-1.9M	-2.9M	0.4M	-22.7%	0.4M
Inv CF	-58.1M	-39.5M	-2.5M	-9.9M	—	—
Fin CF	58.7M	39.2M	6.5M	15.7M	—	—

Loading 1Y...

PRICE (1Y)+1.4%

SMA 50SMA 200

$17.18

RSI (14)

71.8

52W High

$17.21

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.0%*14.1

ROE

0.1%10.7

GP/Assets

2.7%N/A

Op. Margin

2.4%23.4

FCF/Assets

-0.0%N/A

Piotroski

567.4

Int. Cover

—50.0

D/E Ratio

0.82xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

—N/A

EV/EBITDA

bankN/A

P/FCF

bankN/A

P/B

1.2x50.4

P/S

5.0x33.7

Div Yield

—N/A

Momentum

52W High %

100%98.2

RS 6M

20%86.1

SMA 50/200

1.17x90.2

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

—N/A

FUNDAMENTALS

Market Cap

$81M

P/E (Forward)

—

Gross Margin

—

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)	$81M	49	Hold
FDSB	Fifth District Bancorp, Inc.	$96M	46	Hold
BYFC	Broadway Financial Corporation	$114M	52	Hold
NSTS	NSTS Bancorp, Inc.	$69M	42	Hold
PBHC	Pathfinder Bancorp, Inc.	$101M	56	Hold
UBCP	United Bancorp, Inc.	$90M	59	Hold
BSBK	Bogota Financial Corp.	$118M	43	Hold
TCBS	Texas Community Bancshares, Inc.	$50M	44	Hold
PROV	Provident Financial Holdings, Inc.	$115M	59	Hold
CPBI	Central Plains Bancshares, Inc.	$82M	67	Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

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

First Seacoast Bancorp, Inc. (FSEA) has a MoatMap StockRank of 49/100 based on Quality (30/100), Value (34/100), and Momentum (80/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price	$17.18
Market Cap	$81M
Price/Book	1.17
Return on Equity	0.1%
Debt/Equity	0.82x
Operating Margin	2.4%
Revenue Growth	8.2%
Free Cash Flow	$-12K

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 49/100, with a Hold signal. It is a composite of Quality (30), Value (34), and Momentum (80) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does First Seacoast Bancorp, Inc. have an economic moat?: First Seacoast Bancorp, Inc. (FSEA) has a Quality factor score of 30/100. 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 Hold, based on a StockRank of 49/100. 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).