First Seacoast Bancorp (FSEA) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Seacoast Bancorp stock (FSEA) is currently trading at $12.79. First Seacoast Bancorp PS ratio (Price-to-Sales) is 4.11. WallStSmart rates FSEA as Sell.
- FSEA PE ratio analysis and historical PE chart
- FSEA PS ratio (Price-to-Sales) history and trend
- FSEA intrinsic value — DCF, Graham Number, EPV models
- FSEA stock price prediction 2025 2026 2027 2028 2029 2030
- FSEA fair value vs current price
- FSEA insider transactions and insider buying
- Is FSEA undervalued or overvalued?
- First Seacoast Bancorp financial analysis — revenue, earnings, cash flow
- FSEA Piotroski F-Score and Altman Z-Score
- FSEA analyst price target and Smart Rating
First Seacoast Bancorp
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Smart Analysis
First Seacoast Bancorp (FSEA) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book, eps growth. Concerns around market cap and return on equity. Mixed signals suggest waiting for clearer direction before acting.
First Seacoast Bancorp (FSEA) Key Strengths (2)
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 700.00% year-over-year
First Seacoast Bancorp (FSEA) Areas to Watch (7)
Company is destroying shareholder value
Losing money on operations
Company is losing money with a negative profit margin
Micro-cap company with very limited liquidity and high volatility
Premium valuation at 4.1x annual revenue
Low institutional interest, mostly retail-driven
Solid revenue growth at 19.80% per year
First Seacoast Bancorp (FSEA) Detailed Analysis Report
Overall Assessment
This company scores 39/100 in our Smart Analysis, earning a F grade. Out of 9 metrics analyzed, 2 register as strengths (avg 10.0/10) while 7 fall into concern territory (avg 2.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, EPS Growth. Valuation metrics including Price/Book (0.96) suggest the stock is attractively priced. Growth metrics are encouraging with EPS Growth at 700.00%.
The Bear Case
The primary concerns are Return on Equity, Operating Margin, Profit Margin. Some valuation metrics including Price/Sales (4.11) suggest expensive pricing. Growth concerns include Revenue Growth at 19.80%, which may limit upside. Profitability pressure is visible in Return on Equity at -3.36%, Operating Margin at -1.73%, Profit Margin at -14.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -3.36% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 19.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Operating Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FSEA Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FSEA's Price-to-Sales ratio of 4.11x trades 65% above its historical average of 2.5x (94th percentile), historically expensive. The current valuation is 1% below its historical high of 4.16x set in Mar 2026, and 157% above its historical low of 1.6x in Apr 2020. Over the past 12 months, the PS ratio has expanded from ~2.0x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Seacoast Bancorp (FSEA) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Seacoast Bancorp is a strong growth company balancing expansion with improving profitability. Revenue reached 15M with 20% growth year-over-year. The company is currently unprofitable, posting a -14.7% profit margin.
Key Findings
The company is unprofitable with a -14.7% profit margin. The path to breakeven will be the key catalyst.
Free cash flow is -699,000, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Seacoast Bancorp.
Bottom Line
First Seacoast Bancorp offers an attractive blend of growth (20% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About First Seacoast Bancorp(FSEA)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Seacoast Bancorp is a holding company of First Seacoast Bank offering a variety of banking products and services to individuals and businesses.