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Upturn AI SWOT - About
First Seacoast Bancorp (FSEA)
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Upturn Advisory Summary
08/28/2025: FSEA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 33.24% | Avg. Invested days 63 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 53.30M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.03 | 52 Weeks Range 8.60 - 11.80 | Updated Date 06/29/2025 |
52 Weeks Range 8.60 - 11.80 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.02 |
Earnings Date
Report Date 2025-05-30 | When Before Market | Estimate - | Actual - |
Profitability
Profit Margin 0.22% | Operating Margin (TTM) -14.96% |
Management Effectiveness
Return on Assets (TTM) 0.01% | Return on Equity (TTM) 0.06% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 114666376 | Price to Sales(TTM) 3.29 |
Enterprise Value 114666376 | Price to Sales(TTM) 3.29 | ||
Enterprise Value to Revenue 8.69 | Enterprise Value to EBITDA - | Shares Outstanding 4716920 | Shares Floating 3435626 |
Shares Outstanding 4716920 | Shares Floating 3435626 | ||
Percent Insiders 28.62 | Percent Institutions 25.09 |
Upturn AI SWOT
First Seacoast Bancorp
Company Overview
History and Background
First Seacoast Bancorp, based in Dover, New Hampshire, operates as the holding company for First Seacoast Bank. Founded to serve the financial needs of its local communities.
Core Business Areas
- Retail Banking: Offers a range of deposit accounts, loans, and other banking services to individuals and small businesses.
- Commercial Banking: Provides commercial loans, lines of credit, and other financial services to businesses.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
Information regarding the leadership team is publicly available on the First Seacoast Bank website. The structure includes a board of directors and executive management team overseeing the bank's operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to small and mid-sized businesses. Competitors include other regional and national banks. Market share data not readily available.
- Mortgages: Provides mortgage loans for residential properties. Competitors include national mortgage lenders and credit unions. Market share data not readily available.
- Deposit Accounts: Offers checking, savings, and money market accounts. Competitors include all banks and credit unions in their service area. Market share data not readily available.
Market Dynamics
Industry Overview
The banking industry is facing increasing competition, regulatory changes, and technological advancements. Interest rate fluctuations significantly impact profitability.
Positioning
First Seacoast Bancorp is a regional bank focused on community banking. Competitive advantages include local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM is determined by the aggregate banking service needs in the areas they serve, in billions. Their position is to maintain market share within the regional landscape
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Community focus
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Reliance on traditional banking services
- Lack of market share
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Strategic acquisitions
- Growing demand for local banking services
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- Citizens Financial Group (CFG)
- Bank of America (BAC)
- TD Bank (TD)
Competitive Landscape
FSEA faces intense competition from larger, national banks with greater resources. Its advantage lies in localized customer service, however it lacks the advantages of the market share.
Growth Trajectory and Initiatives
Historical Growth: Cannot be provided without access to financial statements.
Future Projections: Cannot be provided without analyst estimates.
Recent Initiatives: Information about specific initiatives is not available here.
Summary
First Seacoast Bancorp operates as a community bank, facing competition from larger institutions. Its strengths are in local relationships, but it needs to adapt to digital transformation and expansion opportunities to maintain competitiveness. Threats include rising interest rates and economic downturns. A diversified approach with focus on consumer banking segments is key to continued growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Market Data
Disclaimers:
The information provided is based on available data and general knowledge. Financial performance details are hypothetical. Investment decisions should be based on thorough due diligence.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Seacoast Bancorp
Exchange NASDAQ | Headquaters Dover, NH, United States | ||
IPO Launch date 2019-07-17 | CEO & Director Mr. James R. Brannen | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 75 | |
Full time employees 75 | |||
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. The company was founded in 1890 and is headquartered in Dover, New Hampshire.
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