First Seacoast Bancorp, Inc. (FSEA) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Why is First Seacoast Bancorp, Inc. ?

With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25

The company has declared positive results for the last 2 consecutive quarters
NII(Q) Highest at USD 3.63 MM
OPERATING CASH FLOW(Y) Highest at USD 0.45 MM
OPERATING PROFIT(Q) Highest at USD -0.11 MM

Risky -

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of 49.47%, its profits have fallen by -34%

High Institutional Holdings at 29.68%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Market Beating performance in long term as well as near term

Along with generating 49.47% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to First Seacoast Bancorp, Inc. should be less than 10%
Overall Portfolio exposure to Savings Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is First Seacoast Bancorp, Inc. for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

First Seacoast Bancorp, Inc.

49.47%

1.54

55.49%

S&P 500

25.41%

1.92

13.25%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.23%

EBIT Growth (5y)

-147.35%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

29.68%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.99

EV to EBIT

-55.73

EV to EBITDA

-67.64

EV to Capital Employed

1.00

EV to Sales

3.72

PEG Ratio

Dividend Yield

ROCE (Latest)

-1.79%

ROE (Latest)

-1.33%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

No Trend

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

22What is working for the Company

NII(Q)

Highest at USD 3.63 MM

OPERATING CASH FLOW(Y)

Highest at USD 0.45 MM

OPERATING PROFIT(Q)

Highest at USD -0.11 MM

OPERATING PROFIT MARGIN(Q)

Highest at -1.61 %

PRE-TAX PROFIT(Q)

Highest at USD -0.11 MM

NET PROFIT(Q)

At USD -0.09 MM has Grown at 83.93%

NET SALES(Q)

Highest at USD 6.94 MM

-5What is not working for the Company

NET PROFIT(9M)

At USD -0.24 MM has Grown at -137.87%

CREDIT DEPOSIT RATIO(HY)

Lowest at 89.1%

Here's what is working for First Seacoast Bancorp, Inc.

NII

Highest at USD 3.63 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Profit

Highest at USD -0.11 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at -1.61 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD -0.11 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD -0.11 MM has Grown at 78.42%

over average net sales of the previous four periods of USD -0.52 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD -0.09 MM has Grown at 83.93%

over average net sales of the previous four periods of USD -0.54 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Operating Cash Flow

Highest at USD 0.45 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 6.94 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Here's what is not working for First Seacoast Bancorp, Inc.

Credit Deposit Ratio

Lowest at 89.1%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)