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Upturn AI SWOT - About
First Seacoast Bancorp (FSEA)
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Upturn Advisory Summary
10/22/2025: 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 31.86% | Avg. Invested days 71 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/22/2025 |
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 in 1890, it has evolved from a community savings bank to a full-service financial institution, expanding its product offerings and geographic reach within the Seacoast region.
Core Business Areas
- Retail Banking: Offers deposit accounts, personal loans, mortgages, and other traditional banking services to individuals and families.
- Commercial Banking: Provides business loans, lines of credit, commercial real estate financing, and treasury management services to businesses.
- Wealth Management: Offers investment advisory services and financial planning to individuals and businesses.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives overseeing various departments. The organizational structure comprises retail banking, commercial banking, wealth management, and support functions.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Mortgage loans are a key product, contributing a significant portion of the bank's revenue. Market share data is unavailable but competes with national and regional banks like Bank of America and TD Bank.
- Commercial Loans: Commercial loans are another major offering, providing financing to local businesses. The competitors include larger banks and credit unions in the New England region.
- Deposit Accounts: Deposit accounts are an essential product for the bank, attracting a high number of users. Competitors include TD Bank and Bank of America.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and evolving regulatory requirements.
Positioning
First Seacoast Bancorp positions itself as a community-focused bank with a strong emphasis on customer service and local relationships. Its competitive advantage lies in its local expertise and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the Seacoast region is estimated to be in the hundreds of millions of dollars. First Seacoast Bancorp holds a moderate position within this TAM, aiming to grow its market share through strategic initiatives.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-centric approach
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Technology infrastructure could be improved
Opportunities
- Expand into new markets within New England
- Increase digital banking capabilities
- Acquire smaller community banks
- Capitalize on growing demand for wealth management services
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- TD
- BofA
- SAN
Competitive Landscape
First Seacoast Bancorp faces competition from larger national and regional banks, as well as local credit unions. Its advantages lie in its community focus and personalized service, while its disadvantages include its smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and strategic initiatives.
Future Projections: Future growth projections are not publicly available.
Recent Initiatives: Recent initiatives include investments in technology and expansion of commercial lending activities.
Summary
First Seacoast Bancorp is a community-focused bank with a strong local presence, allowing it to grow by specializing in certain geographic areas. Its customer-centric approach and sound asset quality are working well for the bank. However, increasing competition and rising interest rates are potential threats that it needs to be aware of. Continued investments in technology and digital banking capabilities will also be important for its growth and expansion.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute investment advice. Market share data is estimated based on available information.
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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