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Upturn AI SWOT - About
First Seacoast Bancorp (FSEA)
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Upturn Advisory Summary
09/16/2025: 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 31.98% | Avg. Invested days 66 | 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 09/16/2025 |
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, a community bank, has grown organically over the years, focusing on serving the financial needs of local businesses and individuals in its geographic region.
Core Business Areas
- Commercial Banking: Offers lending and deposit services to small and medium-sized businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Provides a range of consumer banking products and services, such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers wealth management and trust services to individuals, families, and businesses.
Leadership and Structure
The leadership team consists of experienced banking professionals. The bank is structured with a traditional hierarchy including a CEO, CFO, and various department heads overseeing lending, retail banking, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: These loans represent a significant portion of First Seacoast Bancorp's lending portfolio. Market share data is not publicly available. Competitors include larger regional and national banks, as well as credit unions and private lenders.
- Mortgages: First Seacoast Bancorp offers residential mortgages. Market share data is not publicly available. Competitors include national mortgage lenders, credit unions, and other community banks.
- Small Business Loans: First Seacoast offers Small Business Loans to help local businesses expand and grow. Market share data is not publicly available. Competitors include national SBA lenders and alternative lenders.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Community banks are focusing on building strong customer relationships and offering personalized service.
Positioning
First Seacoast Bancorp positions itself as a community-focused bank that provides personalized service and local expertise. It emphasizes building long-term relationships with customers.
Total Addressable Market (TAM)
The TAM includes all potential customers within First Seacoast Bancorp's geographic region. The bank aims to increase its market penetration by offering competitive products and services.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Deep understanding of local market
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Less diversified revenue streams
Opportunities
- Expanding into new markets within the region
- Leveraging technology to improve customer service
- Acquiring smaller community banks
- Increasing cross-selling of products and services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the region
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
Competitive Landscape
Competitive Landscape requires access to proprietary data and in-depth financial analysis which can not be provided.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires access to proprietary data and cannot be provided.
Future Projections: Future projections require analyst estimates, often only available through paid financial data providers.
Recent Initiatives: Recent initiatives would involve evaluating recent press releases and SEC filings, requiring specific research.
Summary
First Seacoast Bancorp operates as a community bank focused on local relationships. Its strengths lie in personalized service and local market expertise. However, it faces challenges from larger competitors and economic uncertainties. Growth opportunities exist through market expansion and technological improvements.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Publicly available information
- Industry analysis reports
- Company website
Disclaimers:
This analysis is based on limited publicly available information and does not constitute financial advice. Consult with a qualified financial advisor before making any investment decisions.
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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