Income statement, balance sheet and cash flow statement for the last 5 fiscal years, taken from the XBRL data First Seacoast Bancorp, Inc. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2022
FY2022
FY2023
FY2024
FY2025
Interest expense
1.24
1.75
9.08
Pre-tax income
3.22
-1.02
-6.71
0.01
-1.48
Income tax
0.6
-0.45
3.94
0.53
-0.64
Net income
2.62
-0.57
-10.7
-0.51
-0.85
EPS, basic
0.54
-0.12
-2.29
-0.12
-0.23
EPS, diluted
0.54
-0.12
-2.29
-0.12
-0.23
Shares, basic (weighted)
4.85
4.82
4.65
4.34
3.68
Shares, diluted (weighted)
4.85
4.82
4.65
4.34
3.68
Balance sheet
FY2022
FY2022
FY2023
FY2024
FY2025
Property, plant and equipment
4.57
4.18
4.07
0.75
0.59
Lease right-of-use assets
0.2
0.59
5.65
5.35
Total assets
487
537
571
581
599
Total liabilities
427
488
504
519
536
Paid-in capital
26.8
26.8
52.6
53.9
54.5
Retained earnings
36.8
36.2
25.6
25.1
24.2
Treasury stock
-0.75
-1.38
-1.38
-5.09
-6.07
Other comprehensive income
0.72
-9.73
-5.94
-7.04
-4.84
Shareholders' equity
60.5
49.3
66.6
62.1
63.5
Total equity
60.5
49.3
66.6
62.1
63.5
Total liabilities and equity
487
537
571
581
599
Shares outstanding
5.1
5.07
5.08
4.79
4.69
Cash flow statement
FY2022
FY2022
FY2023
FY2024
FY2025
Net income
2.62
-0.57
-10.7
-0.51
-0.85
Depreciation and amortization
0.56
0.52
0.49
0.38
0.32
Stock-based compensation
0.39
0.4
0.65
0.94
Deferred income tax
0.31
-0.3
3.86
0.4
-0.81
Cash from operations
2.42
0.97
-1.92
-2.95
0.45
Capital expenditures
-0.04
-0.1
-0.35
-0.37
-0.12
Sales and maturities of investments
10.7
18.1
Cash from investing
-43.5
-58.1
-39.5
-2.51
-9.86
Stock issued
25.6
Cash from financing
41.7
58.7
39.2
6.49
15.7
Net change in cash
0.64
1.61
-2.18
1.03
6.31
Free cash flow
2.39
0.87
-2.26
-3.32
0.33
Interest paid
1.28
1.69
8.79
13.4
13.3
Income taxes paid
0.39
0.05
0.06
0.05
0.12
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $17.24 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Return on equity (ROE)
0.1%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
0.0%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Operating cash flow CAGR, 3y
-22.7%
Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 3y
-27.7%
Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y
2.4%
Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y
8.8%
Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets growth, 1y
3.2%
Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y
3.7%
Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Share count change, 1y
-15.2%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y
-8.6%
Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Free cash flow / net income, when net income is positive.
Capex / operating cash flow
116.1%
Capital expenditures / cash from operations, when that is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
$0.01
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share
-$0.01
Free cash flow / diluted weighted shares.
Operating cash flow per share
$0.08
Cash from operations / diluted weighted shares.
Book value per share
$13.61
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share
$13.61
Tangible book value / shares outstanding.
Valuation
Metric
Value
How it is calculated
Market cap
$81.1M
Share price x shares outstanding.
Enterprise value
$81.1M
Market cap + total debt - cash - short-term investments.
P/E
1,843x
Market cap / net income. Only when net income is positive.
P/B
1.27x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
1.27x
Market cap / tangible book value, when positive.
P/OCF
218x
Market cap / cash from operations, when positive.
FCF yield
-0.1%
Free cash flow / market cap.
Earnings yield
0.1%
Net income / market cap (the inverse of P/E).
Was First Seacoast Bancorp, Inc. profitable in fiscal 2025?
No. It reported a net loss of $845.0K.
How much free cash flow did First Seacoast Bancorp, Inc. generate in fiscal 2025?
Cash from operations of $449.0K minus capital expenditures of $120.0K left free cash flow of $329.0K.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.