First Seacoast Bancorp, Inc.
FSEANasdaqFinancials · Savings Institution, Federally Chartered · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | −$845,000 | −$513,000 | −$10.7M | −$565,000 | $2.6M |
| Total assets | $599.3M | $580.8M | $571.0M | $537.4M | $487.1M |
| Total liabilities | $535.7M | $518.7M | $504.4M | $488.1M | $426.6M |
| Equity | $63.5M | $62.0M | $66.6M | $49.3M | $60.5M |
| EPS (diluted) | $-0.23 | $-0.12 | $-2.29 | $-0.12 | $0.45 |
| Shares out. | 4.7M | 5.1M | 5.1M | 5.1M | 6.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- −1.3%
- Return on assets
- −0.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.4%
- Debt / equity
- 8.43×
- Book value / share
- $13.43
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- —
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.2%clean
- Piotroski F-Score
- 3/6weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 11-Kmissed a reporting deadline ↗Jun 28, 2024
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- First Seacoast Bank Employee Stock Ownership Plan TrustPassive (13G)Feb 12, 2026
- Dab Financial LlcActivist (13D)May 22, 2025
- M3 Partners LpPassive (13G)Feb 13, 2025
- Spence Limited, LpPassive (13G)Feb 5, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 8,152 | 1.0 | -5.3% |
| Apr 30, 2026 | 8,611 | 1.0 | +45.2% |
| Apr 15, 2026 | 5,932 | 1.0 | +32.6% |
| Mar 31, 2026 | 4,472 | 5.1 | +2.3% |
| Mar 13, 2026 | 4,373 | 5.1 | +10.7% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Entered a material agreement · Other material eventMay 5, 2026
- Director / officer change · Shareholder voteMay 29, 2025
- Director / officer changeMar 5, 2025
- Director / officer changeJan 31, 2025
- Other material eventDec 12, 2024
- Entered a material agreement · Other material eventJun 17, 2024
- Shareholder voteMay 30, 2024
- Other material eventApr 11, 2024
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (2)
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