First Seacoast Bancorp, Inc. (FSEA) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, First Seacoast Bancorp reported revenue of $15.4M, down 2.3% from $15.8M the year before. Net income was -$845,000 (a -5.5% net margin), or -$0.23 per diluted share. Net interest income was $13.7M, and the efficiency ratio (noninterest expense / revenue) was 109.6%. Operating activities generated $449,000 of cash, leaving $329,000 of free cash flow. At fiscal year end, First Seacoast Bancorp held $599.3M in total assets against $535.7M in total liabilities.
Open the full interactive First Seacoast Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
First Seacoast Bancorp Key Stats
| Share Price | $17.25 |
|---|---|
| Market Cap | $79.8M |
| Revenue YoY Growth | -2.3% |
| 52-Week Range | $11.50 – $17.25 |
| Shares Outstanding | 4.3 million (basic, 2026 Q2) |
First Seacoast Bancorp Income Statement
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Net Interest Income | $14.9M | $11.5M | $11.9M | $13.7M |
| Provision for Credit Losses | $0 | $188,000 | -$72,000 | -$1,000 |
| Noninterest Income | $888,000 | -$2.0M | $3.9M | $1.8M |
| Noninterest Expense | $16.8M | $16.0M | $15.9M | $16.9M |
| Revenue | $15.8M | $9.5M | $15.8M | $15.4M |
| Pre-Tax Income | -$1.0M | -$6.7M | $14,000 | -$1.5M |
| Income Tax | -$451,000 | $3.9M | $527,000 | -$638,000 |
| Net Income | -$565,000 | -$10.7M | -$513,000 | -$845,000 |
| Diluted EPS | -$0.10 | -$2.29 | -$0.12 | -$0.23 |
First Seacoast Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $4.0M | $4.0M | $3.9M | $4.1M |
| Net Income | $390,000 | -$87,000 | -$508,000 | $249,000 |
| Diluted EPS | $0.08 | -$0.02 | -$0.12 | $0.05 |
First Seacoast Bancorp Balance Sheet
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Loans (Net) | $398.9M | $426.6M | — | — |
| Total Assets | $537.4M | $571.0M | $580.8M | $599.3M |
| Deposits | $382.4M | $404.8M | $454.2M | $470.8M |
| Total Long-Term Debt | $99.4M | $73.0M | $52.3M | $52.3M |
| Total Liabilities | $488.1M | $504.4M | $518.7M | $535.7M |
| Shareholders' Equity | $49.3M | $66.6M | $62.0M | $63.5M |
First Seacoast Bancorp Cash Flow Statement
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Cash From Operations | $973,000 | -$1.9M | -$2.9M | $449,000 |
| Cash From Investing | -$58.1M | -$39.5M | -$2.5M | -$9.9M |
| Cash From Financing | $58.7M | $39.2M | $6.5M | $15.7M |
| Free Cash Flow | $870,000 | -$2.3M | -$3.3M | $329,000 |
Figures from First Seacoast Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full First Seacoast Bancorp financials page for every line item.
First Seacoast Bancorp Company Profile
| Ticker | FSEA |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Dover, New Hampshire |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0001943802 |
Frequently Asked Questions
What was First Seacoast Bancorp's revenue in fiscal 2025?
First Seacoast Bancorp (FSEA) reported revenue of $15.4M for fiscal 2025.
What is First Seacoast Bancorp's annual revenue history?
First Seacoast Bancorp's annual revenue by fiscal year: 2022: $15.8M; 2023: $9.5M; 2024: $15.8M; 2025: $15.4M.
What was First Seacoast Bancorp's net income in fiscal 2025?
First Seacoast Bancorp reported net income of -$845,000 for fiscal 2025.
What was First Seacoast Bancorp's earnings per share (EPS) in fiscal 2025?
First Seacoast Bancorp's diluted EPS was -$0.23 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did First Seacoast Bancorp generate in fiscal 2025?
First Seacoast Bancorp generated $329,000 of free cash flow in fiscal 2025.
What was First Seacoast Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), First Seacoast Bancorp reported revenue of $4.1M.
How much debt does First Seacoast Bancorp have?
First Seacoast Bancorp reported $52.3M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of First Seacoast Bancorp are outstanding?
First Seacoast Bancorp reported a weighted average of 4.3 million basic shares outstanding in 2026 Q2.
What is First Seacoast Bancorp's market cap?
Based on its latest closing price, First Seacoast Bancorp (FSEA) has a market capitalization of about $79.8M.
When does First Seacoast Bancorp's fiscal year end?
First Seacoast Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is First Seacoast Bancorp headquartered?
First Seacoast Bancorp lists its business address in Dover, New Hampshire in its SEC filings.
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