First Seacoast Bancorp Inc. (FSEA) enters merger agreement valuing the bank at $80.9 million in an all-cash deal. All-cash merger at $80.9M acquisition value ends FSEA's independence and transforms its future.
| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | 1 | — | — | — | — | — | — | — | — | — |
| Sell | — | — | — | — | — | — | — | — | — | — | — | — |
| total | individual payouts | |
|---|---|---|
| 2020 | ‡‡‡ |
|
| 2019 | ‡‡‡ |
|
| 2018 | ‡‡‡ |
|
| 2017 | ‡‡‡ |
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 6.07 | 7.10 | 13.41 | 5.50 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 435.00 | 444.68 | 431.57 | 426.00 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 404.80 | 454.21 | 470.77 | 454.20 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 404.80 | 454.21 | 470.77 | 454.20 |
| 10y | 5y | 3y | |
| Sales | — | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | — | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | — | ‡‡‡ | ‡‡‡ |
| Book Value | — | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 6.88 | 6.87 | — | — |
—
|
| ’25 | 6.78 | 7.17 | 7.44 | 7.34 |
28.74
|
| ’24 | 6.37 | 9.17 | 6.91 | 6.88 |
29.34
|
| ’23 | 5.80 | 5.34 | 5.48 | 1.97 |
18.58
|
| ’22 | 4.36 | 4.41 | 4.58 | 4.15 |
17.50
|
| ’21 | 4.58 | 4.61 | 4.29 | 4.26 |
17.74
|
| ’20 | 4.37 | 4.59 | 4.41 | 4.53 |
17.90
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.55 | (0.20) | — | — |
—
|
| ’25 | 0.57 | (0.15) | 0.66 | (0.63) |
0.45
|
| ’24 | (0.07) | (1.40) | 0.29 | (1.77) |
(2.95)
|
| ’23 | (0.36) | (0.36) | 0.31 | (1.50) |
(1.91)
|
| ’22 | 0.14 | 2.78 | (1.07) | (0.88) |
0.97
|
| ’21 | 1.60 | 0.86 | 0.23 | (0.27) |
2.42
|
| ’20 | (0.07) | 2.79 | 0.30 | (1.59) |
1.42
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.20 | (0.20) | — | — |
—
|
| ’25 | 0.54 | (0.15) | 0.64 | (0.70) |
0.33
|
| ’24 | (0.08) | 5.83 | 0.26 | (1.93) |
4.08
|
| ’23 | (0.44) | (0.54) | 0.23 | (1.52) |
(2.26)
|
| ’22 | 0.09 | 2.74 | (1.09) | (0.88) |
0.87
|
| ’21 | 1.59 | 0.84 | 0.22 | (0.27) |
2.39
|
| ’20 | (0.31) | 2.76 | 0.29 | (1.64) |
1.11
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | (0.12) | 0.05 | — | — |
—
|
| ’25 | (0.14) | (0.13) | 0.08 | (0.05) |
(0.23)
|
| ’24 | (0.24) | 0.42 | 0.01 | (0.31) |
(0.12)
|
| ’23 | 0.10 | (0.12) | (0.20) | (2.08) |
(2.29)
|
| ’22 | 0.07 | 0.03 | 0.08 | (0.28) |
(0.10)
|
| ’21 | 0.16 | 0.14 | 0.08 | 0.07 |
0.45
|
| ’20 | 0.04 | 0.09 | 0.07 | (0.02) |
0.22
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| — | — | — | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | 11.43 | 6.25 | 7.40 | 9.53 | — | — | — |
Low Price
|
| — | — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 13.40 | 11.65 | 10.38 | 15.00 | — | — | — |
High Price
|
| — | — | — | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 81 | 76 | 75 | 72 | — | — | — |
Employees
|
| — | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.22 | 0.24 | 0.39 | 0.40 | — | — | — |
Revenue/Emp
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 17.50 | 18.58 | 29.34 | 28.74 | — | — | — |
Revenue
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 90.02% | 51.14% | 53.87% | 53.72% | — | — | — |
Gross Margin
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (1.02) | (6.71) | 0.01 | (1.48) | — | — | — |
EBT
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (5.81%) | (36.12%) | 0.05% | (5.16%) | — | — | — |
EBT Margin
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.56) | (10.66) | (0.51) | (0.84) | — | — | — |
Net Income
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.53 | 1.39 | 0.93 | 0.70 | — | — | — |
Depreciation
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.63 | 4.00 | 6.77 | 7.82 | — | — | — |
Revenue/Sh
|
| — | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | (0.10) | (2.29) | (0.12) | (0.23) | — | — | — |
Earnings/Sh
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.20 | (0.41) | (0.68) | 0.12 | — | — | — |
Cash Flow/Sh
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.02) | (0.07) | 1.62 | (0.03) | — | — | — |
Capex/Sh
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.18 | (0.49) | 0.94 | 0.09 | — | — | — |
Free CF/Sh
|
| — | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.24 | 14.32 | 14.31 | 17.29 | — | — | — |
Book Value/Sh
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.82 | 4.65 | 4.34 | 3.68 | — | — | — |
Shares
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — |
PE Ratio
|
| — | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.09 | 1.91 | 1.48 | 1.69 | — | — | — |
PS Ratio
|
| — | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.10 | 0.53 | 0.70 | 0.76 | — | — | — |
PB Ratio
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 13.79 | 8.86 | 4.46 | 4.51 | — | — | — |
EV/Sales
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 277.31 | (72.71) | 32.10 | 394.10 | — | — | — |
EV/FCF
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.97 | (1.91) | (2.95) | 0.45 | — | — | — |
Op' Cash Flow
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.10) | (0.35) | 7.03 | (0.12) | — | — | — |
Capex
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.87 | (2.26) | 4.08 | 0.33 | — | — | — |
FCF
|
| — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 27.55 | 30.21 | (9.52) | (39.20) | — | — | — |
Working Cap'
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 196.18 | 93.01 | 52.27 | 52.31 | — | — | — |
Total Debt
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 187.18 | 86.94 | 45.17 | 38.89 | — | — | — |
Net Debt
|
| — | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 49.34 | 66.62 | 62.05 | 63.55 | — | — | — |
Sh' Equity
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.11%) | (1.92%) | (0.09%) | (0.14%) | — | — | — |
ROA
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.27%) | (2.73%) | 0.01% | (0.90%) | — | — | — |
ROIC
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (1.03%) | (18.38%) | (0.80%) | (1.35%) | — | — | — |
ROE
|
First Seacoast Bancorp (FSEA), a resilient community bank in New Hampshire’s Seacoast region, has navigated COVID shocks, regional cycles, and the 2023 banking crisis triggered by Silicon Valley Bank’s collapse and soaring rates. Despite vulnerabilities in deposits and loans, 2024 marks a dramatic rebound: revenue surged 58% year-over-year to $29.3 million—a 64% rise since 2020—fueled by efficiency gains like revenue per employee jumping 60% to $391,133 amid a lean 75-person team. Profitability clawed back from a -$10.6 million 2023 loss (ROE -18.4%) to near-breakeven (-$513,000, ROE -0.8%), with positive free cash flow per share at $0.94 and sharp deleveraging—debt slashed 73% from 2022 peaks to $52 million.
The stock reflects this momentum, trading 30% above 2024 highs despite no analyst targets, driven by insider fervor: executives bought 7,122 shares worth $71,753 from mid-2025 to early 2026, outpacing sells by 84% in value, led by CEO and C-suite. Valuations scream value—PS at 1.5x, PB at 0.70x—versus historical norms, positioning FSEA for multiple expansion amid recovering margins and New Hampshire’s stable economy.
Cautious optimism prevails in a high-rate world: sustained revenue growth (10-20%) could spark dividends or buybacks, with insiders betting on home-field advantages in community banking. This micro-cap turnaround blends undervaluation, operational grit, and leadership alignment—primed for patient investors eyeing sector survivors.
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