First Seacoast Bancorp, Inc. (FSEA) intrinsic value & 10-year financials
First Seacoast Bancorp, Inc. (FSEA) has a Graham intrinsic value of $14.95 per share. Over the last 6 fiscal years revenue grew 16.2% a year to $450.0K, with an average return on invested capital of -3.4%.
- Graham intrinsic value
- $14.95
- Revenue (FY2025)
- $450.0K
- Revenue growth (6-yr CAGR)
- 16.2%
- ROIC (10-yr avg)
- -3.4%
- Free cash flow (FY2025)
- $329.0K
FSEA 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $450.0K | -$845.0K | -$0.23 | $329.0K | — | -1.3% |
| FY2024 | $431.0K | -$513.0K | -$0.12 | -$3.3M | — | -0.8% |
| FY2023 | $332.0K | -$10.7M | -$2.29 | -$2.3M | — | -18.4% |
| FY2022 | $328.0K | -$565.0K | -$0.10 | $870.0K | — | -1.0% |
| FY2021 | $247.0K | $2.6M | $0.45 | $2.4M | — | 4.4% |
| FY2020 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
First Seacoast Bancorp, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
First Seacoast Bancorp, Inc. has historically struggled to out-earn its cost of capital, averaging just -3.4% ROIC.
First Seacoast Bancorp, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, First Seacoast Bancorp, Inc. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $14.95 per share.