First Seacoast Bancorp Inc. (FSEA) vs NSTS Bancorp, Inc. (NSTS)

First Seacoast Bancorp Inc. and NSTS Bancorp, Inc. are both Banks Regional companies. First Seacoast Bancorp Inc. and NSTS Bancorp, Inc. are of similar size ($80.8M and $74.1M). NSTS Bancorp, Inc. grew revenue faster over the last twelve months: 7.00% against 2.81%. First Seacoast Bancorp Inc. has the higher net margin (0.15% vs −0.31%) and the lower return on invested capital (−0.32% vs −0.09%). Across the 16 metrics below, NSTS Bancorp, Inc. leads on 12 and First Seacoast Bancorp Inc. on 4.

Valuation

Metric FSEA NSTS Banks Regional median
P/E n/m n/m 12.15
P/S 2.59 4.99 2.37
P/B 1.16 0.87 1.21
Price to free cash flow n/m 4.38 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.97 1.48 2.27
Earnings yield (0.12%) (0.06%) 8.11%
Free cash flow yield (0.08%) 22.83% 8.98%

Profitability

Metric FSEA NSTS Banks Regional median
Gross margin 56.41% 77.36% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.15% (0.31%) 18.66%
Free cash flow margin (0.21%) 113.89% 21.18%
Return on equity 0.07% (0.05%) 10.64%
Return on assets 0.01% (0.02%) 1.13%
Return on invested capital (0.32%) (0.09%) 8.33%

Growth

Metric FSEA NSTS Banks Regional median
Revenue growth (TTM) 2.81% 7.00% 6.61%
EPS growth (last fiscal year) (91.67%) 50.00% —
Revenue growth, 5-year CAGR 9.94% 11.74% 12.30%
Net income growth, 5-year CAGR 0.00% 0.00% 9.71%

Health

Metric FSEA NSTS Banks Regional median
Debt to equity 0.70 0.00 0.22
Current ratio 0.94 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FSEA NSTS Banks Regional median
Dividend yield — — 3.75%
Payout ratio 0.00 0.00 0.27

Size

Metric FSEA NSTS Banks Regional median
Market cap 80.82m 74.12m 921.07m

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