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First Seacoast Bancorp

First Seacoast Bancorp

FSEA · NASDAQ · Financial Services / Banks - Regional

17.25USD+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close17.25
Open17.25
Day Range17.25 – 17.25
52-Week Range11.08 – 17.24
Volume0
Market Cap81.10M
P/E (TTM)0.00
Forward P/E0.00
EPS-0.02
Dividend Yield0.00%
Beta0.09
50-Day Avg17.08
200-Day Avg14.77

About

First Seacoast Bancorp, Inc. operates as the holding company for First Seacoast Bank that provides banking and wealth management services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts, as well as time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family real estate loans; acquisition, development, and land loans; commercial and industrial loans; and home equity loans and lines of credit, as well as consumer loans. In addition, the company offers wealth management services, such as retirement planning, portfolio management, investment and insurance strategies, business retirement plans, and college planning services through a third-party registered broker-dealer and investment advisor. First Seacoast Bancorp, Inc. was founded in 1890 and is headquartered in Dover, New Hampshire.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. James R. Brannen
  • Employees72
  • Headquarters633 Central Avenue, Dover, NH, United States, 03820, USA
  • Websitehttps://www.firstseacoastbank.com

Leadership

  • Mr. James R. BrannenCEO & Director · b. 1961
  • Mr. Richard M. DonovanPresident, Treasurer & CFO · b. 1965
  • Mr. Timothy F. DarganExecutive VP & Senior Commercial Loan Officer · b. 1961
  • Attorney Michael J. BolducCorporate Secretary & Director · b. 1971
  • Mr. John E. SwensonExecutive VP & COO
  • Mr. Paul NeeSenior VP & Chief Information Officer
  • Ms. Barbara A. GrazianoVP of Internal Audit & Compliance and BSA Officer
  • Ms. Tiffany L. Melanson StackpoleVice President of Marketing & Public Relations Director
  • Ms. Sharon A. ZachariasSenior VP & Human Resources Director
  • Mr. Jean TremblaySenior VP & Senior Retail Loan Officer

Financials

Income Statement

Currency: USD2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue14.26M15.65M16.82M17.68M17.55M17.31M18.39M26.68M28.74M
Growth (%)-+9.72%+7.50%+5.08%-0.74%-1.33%+6.24%+45.07%+7.70%
Cost of Revenue1.98M3.15M3.94M3.65M1.44M1.75M9.27M13.46M13.30M
Gross Profit12.28M12.51M12.88M14.02M16.11M15.57M9.13M13.22M15.44M
Gross Margin86.12%79.90%76.56%79.33%91.79%89.91%49.61%49.56%53.73%
Operating Expense10.67M11.19M13.15M12.97M12.89M16.58M15.84M13.21M16.92M
Operating Income1.61M1.31M-268.00K1.05M3.22M-1.02M-6.71M14.00K-1.48M
Operating Margin11.31%8.38%-1.59%5.97%18.36%-5.87%-36.49%0.05%-5.16%
EBITDA2.17M1.85M260.00K1.63M3.78M-494.00K-6.23M398.00K-1.17M
EBITDA Margin15.23%11.83%1.55%9.23%21.56%-2.85%-33.85%1.49%-4.06%
Net Income912.00K1.08M-79.00K1.08M2.62M-565.00K-10.66M-513.00K-845.00K
Net Income Margin6.39%6.90%-0.47%6.10%14.94%-3.26%-57.93%-1.92%-2.94%
R&D00-------
R&D as % of Total Revenue0.00%0.00%-------
Interest Expense1.82M3.15M3.84M3.17M1.24M1.75M9.08M13.53M13.30M
Interest Expense % of Total Revenue12.76%20.10%22.84%17.95%7.04%10.09%49.36%50.71%46.28%

Balance Sheet

Currency: USD2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets359.75M387.11M409.49M443.06M487.07M537.42M571.03M580.78M599.29M
Total Liabilities327.85M354.39M352.43M384.20M426.61M488.09M504.42M518.73M535.75M
Total Equity31.90M32.73M57.07M58.86M60.47M49.34M66.62M62.05M63.55M
Cash10.62M12.35M6.74M8.48M7.88M9.00M6.07M7.10M13.41M
Total Debt72.22M75.74M66.22M34.13M29.46M99.40M73.01M52.27M57.66M
Net Debt61.61M63.39M59.48M25.64M21.58M90.40M66.94M45.17M44.25M

Cash Flow

Currency: USD2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow3.36M-672.00K1.06M1.42M2.42M973.00K-1.92M-2.95M449.00K
Investing Cash Flow-31.94M-27.28M-23.13M-31.90M-43.50M-58.07M-39.49M-2.51M-9.86M
Financing Cash Flow26.46M28.19M20.19M32.47M41.72M58.71M39.22M6.49M15.72M
Capital Expenditure1.40M177.00K288.00K316.00K36.00K103.00K349.00K368.00K120.00K
Free Cash Flow1.97M-849.00K771.00K1.10M2.38M870.00K-2.26M-3.32M329.00K
Dividends Paid002.38M------
FCF to OCF58.46%126.34%72.80%77.76%98.51%89.41%118.22%112.48%73.27%
Dividend Paid to FCF0.00%0.00%309.34%------

Earnings

Report DateJun 26, 2019Aug 13, 2019Nov 14, 2019Mar 27, 2020May 15, 2020Aug 14, 2020Nov 13, 2020Mar 26, 2021May 14, 2021Aug 13, 2021Nov 12, 2021Mar 25, 2022May 13, 2022Aug 12, 2022Nov 14, 2022Mar 24, 2023Mar 31, 2023Aug 11, 2023Nov 9, 2023Dec 31, 2023May 10, 2024Aug 9, 2024Sep 30, 2024Mar 27, 2025May 9, 2025Aug 8, 2025Nov 14, 2025Dec 31, 2025Aug 7, 2026Nov 13, 2026
EPS Estimate0.000.00----------------------0.000.000.00---
EPS Actual0.030.04-0.100.020.040.090.07-0.020.160.140.080.070.070.030.08-0.360.10-0.12-0.20-1.90-0.240.420.01-0.29-0.14-0.130.08-0.020.05-
Surprise------------------------------
Timing--------------Pre-marketPre-market-Pre-marketPre-market-Pre-marketPre-market-Pre-market------

Key Statistics & Ratios

Market Cap81.10M
Enterprise Value122.56M
Trailing P/E0.00
Forward P/E0.00
Price / Sales5.02
Price / Book1.27
EPS-0.02
Book Value14.63
Revenue (TTM)16.16M
Gross Profit (TTM)16.16M
Profit Margin0.27%
Operating Margin2.39%
Return on Equity0.07%
Return on Assets0.01%
Shares Outstanding4.70M
Shares Float3.67M
Beta0.09
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
26.12%
Insiders
22.92%
Retail / Other
50.96%

Top Institutional Holders

  • AllianceBernstein L.P.
    458.06K9.74%
  • Vanguard Capital Management, LLC
    185.53K3.94%
  • Gabelli Funds LLC
    84.30K1.79%
  • Gabelli Securities Inc
    71.50K1.52%
  • FLYWHEEL PRIVATE WEALTH LLC
    50.09K1.06%
  • First Manhattan Co. LLC
    50.00K1.06%
  • RBF LLC
    39.05K0.83%
  • Geode Capital Management, LLC
    31.76K0.68%
  • BlackRock Inc
    31.03K0.66%
  • Stifel Nicolaus Investment Advisors
    25.00K0.53%
  • Vanguard Fiduciary Trust Co
    21.85K0.46%
  • Renaissance Technologies Corp
    21.63K0.46%
  • Pallas Capital Advisors LLC
    19.29K0.41%
  • Penderfund Capital Management Ltd
    17.82K0.38%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    140.52K2.99%
  • Pender Alternative Arbitrage Plus F
    17.96K0.38%
  • Fidelity Extended Market Index
    15.96K0.34%
  • GDL Fund
    12.80K0.27%
  • iShares Micro-Cap ETF
    11.63K0.25%
  • Fidelity Total Market Index
    7.62K0.16%

Stock Splits

  • Jan 20, 20238358:10000