First Seacoast Bancorp (FSEA) Income Statement Analysis

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Complete financial analysis of First Seacoast Bancorp (FSEA) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of First Seacoast Bancorp, a leading company in the Banks – Regional industry within the Financial Services sector.

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First Seacoast Bancorp (FSEA)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.firstseacoastbank.com

About First Seacoast Bancorp

First Seacoast Bancorp operates as a holding company for First Seacoast Bank that provides various banking products and services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts; and time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family loans; acquisition, development, and land loans; commercial and industrial loans; home equity loans and lines of credit; and consumer loans. In addition, the company offers wealth management services, such as retirement planning, portfolio management, investment and insurance strategies, business retirement plans, and college planning services. It operates through its wealth management office located in Dover, New Hampshire; four full-service banking offices in Strafford County, New Hampshire; and one full-service banking office in Rockingham County, New Hampshire. The company was founded in 1890 and is headquartered in Dover, New Hampshire. First Seacoast Bancorp is a subsidiary of First Seacoast Bancorp, MHC.

Metric	2023	2022	2021	2020	2019	2018	2017
Revenue	9.31M	15.57M	16.31M	14.50M	12.98M	12.50M	12.44M
Cost of Revenue	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	9.31M	15.57M	16.31M	14.50M	12.98M	12.50M	12.44M
Gross Profit Ratio	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	10.26M	11.15M	8.22M	8.46M	7.66M	6.91M	6.53M
Selling & Marketing	530.00K	598.00K	361.00K	364.00K	1.07M	547.53K	477.00K
SG&A	10.79M	11.75M	8.58M	8.82M	8.73M	7.45M	7.01M
Other Expenses	0.00	-4.35M	-21.67M	-22.27M	-21.97M	-16.80M	-16.02M
Operating Expenses	14.56M	1.58M	-13.09M	-13.45M	-13.25M	-8.05M	-9.01M
Cost & Expenses	14.56M	1.58M	-13.09M	-13.45M	-13.25M	-8.05M	-9.01M
Interest Income	20.35M	16.49M	15.47M	15.73M	15.26M	14.05M	12.48M
Interest Expense	9.08M	1.75M	1.24M	3.17M	3.84M	3.14M	1.82M
Depreciation & Amortization	486.00K	522.00K	561.00K	576.00K	528.00K	539.54K	560.00K
EBITDA	-6.23M	0.00	3.78M	1.06M	0.00	0.00	0.00
EBITDA Ratio	-66.86%	8.05%	23.19%	11.25%	2.00%	39.96%	32.09%
Operating Income	-5.25M	731.00K	3.22M	1.06M	-268.00K	4.46M	3.43M
Operating Income Ratio	-56.37%	4.70%	19.75%	7.27%	-2.06%	35.64%	27.59%
Total Other Income/Expenses	-1.46M	-1.02M	-1.08M	-1.08M	-4.37M	-1.06M	-1.05M
Income Before Tax	-6.71M	-1.02M	3.22M	1.06M	-268.00K	1.31M	1.61M
Income Before Tax Ratio	-72.08%	-6.53%	19.75%	7.27%	-2.06%	10.50%	12.96%
Income Tax Expense	3.94M	-451.00K	601.00K	-24.00K	-189.00K	232.26K	701.00K
Net Income	-10.66M	-565.00K	2.62M	1.08M	-79.00K	1.08M	912.00K
Net Income Ratio	-114.43%	-3.63%	16.07%	7.44%	-0.61%	8.64%	7.33%
EPS	-2.29	-0.12	0.54	0.22	-0.04	0.40	0.34
EPS Diluted	-2.29	-0.12	0.54	0.22	-0.04	0.40	0.34
Weighted Avg Shares Out	4.65M	4.82M	4.86M	4.90M	2.25M	2.68M	2.68M
Weighted Avg Shares Out (Dil)	4.65M	4.82M	4.86M	4.90M	2.25M	2.68M	2.68M

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