First Seacoast Bancorp, Inc.(FSEA)Stock Analysis
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Limited institutional coverage
Quality rankings require at least 50 unique 13-F institutional holders to ensure peer comparisons are meaningful. Only 17 institutional filers currently hold this stock.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
FSEA Stock Analysis & AI Quality Score
AI stock analysis and institutional research for First Seacoast Bancorp, Inc. (FSEA), a Financials sector company. FSEA is not currently included in 13F Pro's AI-ranked quality universe — quality rankings require at least 50 unique 13-f institutional holders to ensure peer comparisons are meaningful. only 17 institutional filers currently hold this stock. Based on the latest XBRL financial filings (Q1 2026), First Seacoast Bancorp, Inc. reports quarterly revenue of $3.9M, net income of $-508.0K, an operating margin of -6.0%. Top institutional holders of FSEA by reported 13-F value include ALLIANCEBERNSTEIN L.P., VANGUARD CAPITAL MANAGEMENT, Elizabeth Park Capital Advisors, Ltd., based on the most recent SEC filings. FSEA trades on the Nasdaq exchange and files with the SEC under CIK 1943802. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FSEA daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for First Seacoast Bancorp, Inc. directly from SEC EDGAR.
Revenue
Q1 2026
$3.9M
Net Income
Q1 2026
$-508.0K
Free Cash Flow
Q1 2026
$201.0K
Operating Margin
Q1 2026
-6.0%
ROIC
Q1 2026
-0.4%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+92.1% YoYEPS (Diluted)
+90.0% YoYTotal Assets
+4.9% YoYOp. Cash Flow
+123.4% YoY| Metric | FY 2025 | FY 2023 | FY 2021 | FY 2020 |
|---|---|---|---|---|
| Net Income | $-845.0K +92.1% | $-10.7M -506.6% | $2.6M | — |
| EPS (Diluted) | $-0.23 +90.0% | $-2.29 -608.9% | $0.45 | — |
| Total Assets | $599.3M +4.9% | $571.0M +17.2% | $487.1M | — |
| Operating Cash Flow | $449.0K +123.4% | $-1.9M -179.1% | $2.4M | — |
AI Insight: FSEA Financial Trends
Profitability collapsed into losses across 2025, with net income alternating between breakeven and -$1M while equity contracted 2% year-over-year.
• Net income deteriorated from $2M in Q2 2024 to losses or breakeven in all eight subsequent quarters through Q1 2026.
• Operating cash flow has remained near zero or slightly negative, ranging from -$2M to $1M with no sustained positive trend.
• Equity base declined from $64M (Q2 2024) to $63M (Q1 2026), eroding shareholder capital over the period.
⚠ Total debt increased to $64M (Q4 2025), highest level in dataset, while equity shrinks—rising leverage risk.
⚠ No revenue or operating income data available limits ability to diagnose root cause of profitability collapse.
AI Insight: FSEA Ratio Trends
First Seacoast Bancorp remains deeply unprofitable across all return metrics, with ROE and ROIC stuck in negative territory throughout the past year.
• ROE deteriorated from -0.5% in Q4 2025 to -3.2% in Q1 2026; TTM ROE stands at -1.2% versus 12.4% in Q2 2024.
• ROA has hovered near zero or negative since Q4 2024, ranging from -1.0% to 0.3%, indicating minimal or negative earnings generation.
• ROIC remains negative in all recent quarters (Q1 2026: -1.5%), with only brief respite in Q3 2025 at -1.3%.
⚠ Sustained negative profitability across all quarters from Q4 2024 onwards suggests structural earnings weakness, not seasonal noise.
⚠ Q3 2025 showed marginal improvement (ROE 2.5%, ROA 0.3%), but gains reversed sharply in Q4–Q1 2026.
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Available Research
13F Pro tracks comprehensive data for First Seacoast Bancorp, Inc. including:
Top Institutional Holders of FSEA
ALLIANCEBERNSTEIN L.P.
$6.0M458,062 shVANGUARD CAPITAL MANAGEMENT LLC
$2.3M185,528 shElizabeth Park Capital Advisors, Ltd.
$1.7M138,076 shPolaris Capital Management, LLC
$1.1M90,537 shFLYWHEEL PRIVATE WEALTH LLC
$629.1K50,088 shFIRST MANHATTAN CO. LLC.
$628.0K50,000 shRBF Capital, LLC
$490.5K39,049 shGEODE CAPITAL MANAGEMENT, LLC
$399.0K31,757 shBlackRock, Inc.
$389.7K31,026 shVANGUARD FIDUCIARY TRUST CO
$274.4K21,851 sh
| Fund | Value | Shares |
|---|---|---|
| ALLIANCEBERNSTEIN L.P. | $6.0M | 458,062 |
| VANGUARD CAPITAL MANAGEMENT LLC | $2.3M | 185,528 |
| Elizabeth Park Capital Advisors, Ltd. | $1.7M | 138,076 |
| Polaris Capital Management, LLC | $1.1M | 90,537 |
| FLYWHEEL PRIVATE WEALTH LLC | $629.1K | 50,088 |
| FIRST MANHATTAN CO. LLC. | $628.0K | 50,000 |
| RBF Capital, LLC | $490.5K | 39,049 |
| GEODE CAPITAL MANAGEMENT, LLC | $399.0K | 31,757 |
| BlackRock, Inc. | $389.7K | 31,026 |
| VANGUARD FIDUCIARY TRUST CO | $274.4K | 21,851 |
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Popular Research
Is FSEA a good stock to buy?
13F Pro's AI-powered analysis of First Seacoast Bancorp, Inc. (FSEA) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FSEA are available on the FSEA stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own FSEA?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FSEA. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of First Seacoast Bancorp, Inc.'s investment landscape.