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Upturn AI SWOT - About
First Seacoast Bancorp (FSEA)
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Upturn Advisory Summary
06/30/2025: 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.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $
1 Year Target Price $
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 30.6% | Avg. Invested days 55 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Seacoast Bancorp
Company Overview
History and Background
First Seacoast Bancorp is a community-based financial institution that provides banking services to individuals and businesses. The bank has a long history of serving the local community through various banking solutions.
Core Business Areas
- Commercial Banking: Offers lending products, deposit accounts, and cash management services to businesses of various sizes.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers wealth management and financial planning services to individuals and families.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure includes various departments such as lending, operations, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for expansion, equipment purchases, and working capital. Competitors include larger national and regional banks. Market share data is limited due to local nature of institution.
- Mortgages: Offers mortgage products for home purchases and refinancing. Competitors include mortgage brokers and online lenders. Market share data is limited due to local nature of institution.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic conditions.
Positioning
First Seacoast Bancorp is positioned as a community-focused bank offering personalized service. It aims to compete through better customer relationships and local expertise.
Total Addressable Market (TAM)
The expected total market value is within the millions for banking in their region. First Seacoast Bancorp is positioned to capture a portion of this through its community focus, representing single digit percentages of the TAM.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Personalized customer service
- Local market expertise
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Less brand recognition
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Partnerships with local businesses
Threats
- Competition from larger banks
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- TD Bank (TD)
- Bank of America (BAC)
- Citizens Financial Group (CFG)
Competitive Landscape
First Seacoast Bancorp competes with larger banks by offering personalized service and local expertise. However, it faces challenges due to its smaller size and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been modest, driven by organic expansion and strategic acquisitions.
Future Projections: Future growth is projected to be stable, driven by increased market share and expanded services.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
First Seacoast Bancorp is a community bank with strong local ties and personalized service. It is a solid choice for smaller clients in its geographic location. However, it faces competition from larger banks and needs to adapt to changing technology and regulations to maintain future growth. Its smaller size is also a limitation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered as investment advice.
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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