First Seacoast Bancorp Inc. (FSEA) vs FIRST US BANCSH (FUSB)

First Seacoast Bancorp Inc. and FIRST US BANCSH are both Banks Regional companies. FIRST US BANCSH is the larger, with a market value of $90.6M against $80.8M — 1.1× the size. First Seacoast Bancorp Inc. has negative trailing earnings, so its P/E is not meaningful; FIRST US BANCSH trades at 12.2×. FIRST US BANCSH grew revenue faster over the last twelve months: 3.61% against 2.81%. FIRST US BANCSH has the higher net margin (12.1% vs 0.15%) and the higher return on invested capital (12.3% vs −0.32%). Across the 17 metrics below, FIRST US BANCSH leads on 15 and First Seacoast Bancorp Inc. on 2.

Valuation

Metric FSEA FUSB Banks Regional median
P/E n/m 12.18 12.15
P/S 2.59 1.45 2.37
P/B 1.16 0.89 1.21
Price to free cash flow n/m 8.73 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.97 0.62 2.27
Earnings yield (0.12%) 8.21% 8.11%
Free cash flow yield (0.08%) 11.46% 8.98%

Profitability

Metric FSEA FUSB Banks Regional median
Gross margin 56.41% 65.18% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.15% 12.10% 18.66%
Free cash flow margin (0.21%) 16.56% 21.18%
Return on equity 0.07% 7.53% 10.64%
Return on assets 0.01% 0.68% 1.13%
Return on invested capital (0.32%) 12.31% 8.33%

Growth

Metric FSEA FUSB Banks Regional median
Revenue growth (TTM) 2.81% 3.61% 6.61%
EPS growth (last fiscal year) (91.67%) (24.81%) —
Revenue growth, 5-year CAGR 9.94% 6.78% 12.30%
Net income growth, 5-year CAGR 0.00% 17.22% 9.71%

Health

Metric FSEA FUSB Banks Regional median
Debt to equity 0.70 0.11 0.22
Current ratio 0.94 0.90 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FSEA FUSB Banks Regional median
Dividend yield — 1.92% 3.75%
Payout ratio 0.00 0.14 0.27

Size

Metric FSEA FUSB Banks Regional median
Market cap 80.82m 90.55m 921.07m

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