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Upturn AI SWOT - About
First Seacoast Bancorp (FSEA)
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Upturn Advisory Summary
04/01/2025: 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.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 35.76% | Avg. Invested days 63 | 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 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 55.11M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 8363 | Beta 0.35 | 52 Weeks Range 8.25 - 11.69 | Updated Date 03/31/2025 |
52 Weeks Range 8.25 - 11.69 | Updated Date 03/31/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.12 |
Earnings Date
Report Date 2025-03-27 | When Before Market | Estimate - | Actual -0.2942 |
Profitability
Profit Margin -3.23% | Operating Margin (TTM) -17.87% |
Management Effectiveness
Return on Assets (TTM) -0.09% | Return on Equity (TTM) -0.8% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 104743760 | Price to Sales(TTM) 3.47 |
Enterprise Value 104743760 | Price to Sales(TTM) 3.47 | ||
Enterprise Value to Revenue 8.14 | Enterprise Value to EBITDA - | Shares Outstanding 4730750 | Shares Floating 3895969 |
Shares Outstanding 4730750 | Shares Floating 3895969 | ||
Percent Insiders 20 | Percent Institutions 25.01 |
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 (FSEA) operates as a bank holding company for First Seacoast Bank. Founded in 1890, it has grown from a local institution to a regional bank focusing on community banking services.
Core Business Areas
- Commercial Banking: Offers commercial loans, lines of credit, and treasury management services to businesses.
- Retail Banking: Provides deposit accounts, mortgages, and personal loans to individual customers.
- Wealth Management: Offers investment management, trust services, and financial planning.
Leadership and Structure
The bank is led by a board of directors and a management team headed by the CEO. It operates through a network of branches and digital channels.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for commercial properties. Competitors include other regional banks and national lenders like Bank of America (BAC) and JPMorgan Chase (JPM). No explicit market share available.
- Residential Mortgages: Mortgages for primary and secondary residences. Competitors include national mortgage lenders and credit unions. No explicit market share available.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include all banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is competitive, facing pressures from interest rate fluctuations, regulatory changes, and technological disruption from fintech companies.
Positioning
First Seacoast Bancorp focuses on community banking, aiming to build strong customer relationships through local presence and personalized service.
Total Addressable Market (TAM)
TAM is the total banking market in its operating region (New Hampshire/Maine). FSEA is positioned as a community bank targeting local businesses and residents.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer relationships
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on traditional banking channels
- Limited market share
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Increased demand for financial planning services
- Strategic acquisitions of smaller banks
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Cybersecurity risks
- Regulatory scrutiny
Competitors and Market Share
Key Competitors
- Bangor Savings Bank (Private)
- Kennebunk Savings (Private)
- TD Bank (TD)
Competitive Landscape
FSEA competes with larger national and regional banks. FSEA's advantages are its local focus, customer relationships, and community involvement.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth analysis requires several years of financial data to show trends.
Future Projections: Future growth projections depend on various factors and analyst reports.
Recent Initiatives: Recent initiatives would require access to company reports and news releases.
Summary
First Seacoast Bancorp is a community bank with a strong local presence but faces stiff competition. Its focus on customer relationships is a strength, but it needs to adapt to digital banking trends. Expansion and strategic acquisitions could drive future growth. Exposure to risks from larger banks and interest rates should be carefully monitored.
Similar Companies
- CASH
- FFWM
- WSFS
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Financial data providers (e.g., Yahoo Finance)
Disclaimers:
This analysis is based on available information and assumptions. Actual results may vary. Not financial 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 | President, 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 commercial and consumer banking 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. The company was founded in 1890 and is headquartered in Dover, New Hampshire. First Seacoast Bancorp, Inc. is a subsidiary of First Seacoast Bancorp, MHC.
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