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First Seacoast Bancorp, Inc. (FSEA)

Financial Services | Banks - Regional | Dover, United States | NasdaqCM
16.88 USD +0.03 (0.149%) ⇧ (July 13, 2026, 4 p.m. EDT)

Short-term:★★⯪☆☆Long-term:★☆☆☆☆Dividends:☆☆☆☆☆
Hot Take | July 11, 2026, 6:02 a.m. EDT

The immediate catalyst here is the definitive merger agreement with Cambridge Financial Group, which values the bank at $80.9 million in an all-cash deal. This transforms the investment thesis entirely: the current trading price of roughly $16.85 represents a significant discount to the implied acquisition value, suggesting a strong short-term upside potential driven by the deal mechanics rather than organic growth. However, the underlying business is currently distressed, evidenced by negative profit margins and negative return on equity, which prevents a higher long-term rating based on operational performance. Regarding income, there is no dividend history to speak of, offering zero yield for investors seeking passive income. While the statistical forecast model indicates a slight negative lean for the next 45 days, this weak signal is easily overshadowed by the certainty of the merger premium and the stark reality of the bank's deteriorating fundamentals.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL_84_115 ✓0.221541
MSTL_1150.230304
MSTL_840.238224
AutoARIMA0.248287
AutoETS0.248960
AutoTheta0.249421
MSTL0.250484

Forecast horizon: 60 days | Selected: MSTL_84_115

Forecast Reliability
Score 42%
H-stat 2.95
Ljung-Box p 0.000
Jarque-Bera p 0.000
Excess Kurtosis -0.32
Attribute Value
Sector Financial Services
Revenue per Share 4.312
Market Cap 79,195,928
Beta 0.09
Profit Margins -4.73%
Previous Name First Seacoast Bancorp
Website https://www.firstseacoastbank.com

Info Dump

Attribute Value
52 Week Change 0.48970032
Address1 633 Central Avenue
All Time High 17.0
All Time Low 6.066045
Ask 21.69
Ask Size 2
Average Daily Volume10 Day 9,840
Average Daily Volume3 Month 38,791
Average Volume 38,791
Average Volume10Days 9,840
Beta 0.087
Bid 12.14
Bid Size 2
Book Value 14.359
City Dover
Compensation As Of Epoch Date 1,767,139,200
Country United States
Crypto Tradeable 0
Currency USD
Current Price 16.8801
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 16.92
Day Low 16.8801
Earnings Call Timestamp End 1,745,929,800
Earnings Call Timestamp Start 1,745,929,800
Earnings Timestamp End 1,754,915,400
Earnings Timestamp Start 1,754,569,800
Ebitda Margins 0.0
Enterprise To Revenue 7.652
Enterprise Value 121,247,592
Eps Trailing Twelve Months -0.21
Esg Populated 0
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fax 603 742 7905
Fifty Day Average 16.37118
Fifty Day Average Change 0.50892067
Fifty Day Average Change Percent 0.031086378
Fifty Two Week Change Percent 48.97003
Fifty Two Week High 17.0
Fifty Two Week High Change -0.11989975
Fifty Two Week High Change Percent -0.0070529263
Fifty Two Week Low 10.13
Fifty Two Week Low Change 6.7501
Fifty Two Week Low Change Percent 0.6663475
Fifty Two Week Range 10.13 - 17.0
Financial Currency USD
First Trade Date Milliseconds 1,563,370,200,000
Float Shares 3,409,501
Full Exchange Name NasdaqCM
Full Time Employees 72
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.0
Gross Profits 15,845,000
Has Pre Post Market Data 1
Held Percent Insiders 0.27917
Held Percent Institutions 0.25143
Implied Shares Outstanding 4,691,674
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Fiscal Year End 1,767,139,200
Last Split Date 1,674,172,800
Last Split Factor 8,358:10000
Long Business Summary 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. First Seacoast Bancorp, Inc. was founded in 1890 and is headquartered in Dover, New Hampshire.
Long Name First Seacoast Bancorp, Inc.
Market us_market
Market Cap 79,195,928
Market State PRE
Max Age 86,400
Message Board Id finmb_606368151
Most Recent Quarter 1,774,915,200
Name Change Date 2,026-07-13
Net Income To Common -750,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 79,195,926
Open 16.92
Operating Cashflow 423,000
Operating Margins -0.034059998
Payout Ratio 0.0
Phone 603 742 4680
Prev Name First Seacoast Bancorp
Previous Close 16.855
Price Hint 2
Price To Book 1.1755763
Price To Sales Trailing12 Months 4.998165
Profit Margins -0.04733
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.025100708
Regular Market Change Percent 0.14892143
Regular Market Day High 16.92
Regular Market Day Low 16.8801
Regular Market Day Range 16.8801 - 16.92
Regular Market Open 16.92
Regular Market Previous Close 16.855
Regular Market Price 16.8801
Regular Market Time 1,783,972,800
Regular Market Volume 8,041
Return On Assets -0.00127
Return On Equity -0.01211
Revenue Growth 0.114
Revenue Per Share 4.312
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 4,691,674
Shares Percent Shares Out 0.0021
Shares Short 9,665
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 9,204
Short Name First Seacoast Bancorp, Inc.
Short Percent Of Float 0.0025
Short Ratio 0.59
Source Interval 15
State NH
Symbol FSEA
Total Cash 12,362,000
Total Cash Per Share 2.835
Total Debt 60,009,000
Total Revenue 15,845,000
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps -0.21
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 13.343425
Two Hundred Day Average Change 3.5366755
Two Hundred Day Average Change Percent 0.26505005
Type Disp Equity
Volume 8,041
Website https://www.firstseacoastbank.com
Zip 3,820