First Seacoast Ban (FSEA) Stock Analysis & Winston Score

First Seacoast Bancorp is a small community bank holding company based in New Hampshire. It operates through its subsidiary, First Seacoast Bank, offering everyday banking services like checking and savings accounts, mortgages, and loans to individuals and small businesses in the Seacoast region of New Hampshire.

The bank earns money primarily through the difference between the interest it charges on loans and the interest it pays on deposits, known as net interest income. It operates in a limited geographic area along the New Hampshire coast, making it highly dependent on the local economy. With a market cap of around $100 million and a negative operating margin, the bank is currently unprofitable, which is a meaningful risk — rising funding costs and thin margins in a competitive regional banking environment could make it difficult to return to consistent profitability without meaningful loan growth or cost reductions.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-4.1% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+14.3% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

28.6%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$13M cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

First Seacoast Ban's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

0.0%

Thin — 0.0% gross margin

Operating Margin

0.0%

Thin — 0.0% operating margin

ROCE

0.0%

Weak — 0.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+5.1%

Slow sales growth (5.1% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

-0.0%

Burning cash (-0.0%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

0.05x

Dangerous — barely covers interest (0.0x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

N/M

no trend

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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