FSEA (First Seacoast Bancorp) EV-to-FCF: -9,893.00 (As of Jul. 01, 2026)


FSEA First Seacoast Bancorp Inc FSEA
55 GF Score
Price $16.88
GF Value $12.98
Valuation Modestly Overvalued
! 5 Warning Signs
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What is First Seacoast Bancorp EV-to-FCF?

First Seacoast Bancorp FSEA +0.12% 55 EV-to-FCF is -9,893.00 as of Jul. 01, 2026. GuruFocus rates FSEA with a GF Score™ of 55/100 and a GF Value™ of $12.98 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,194 Banks companies, First Seacoast Bancorp ranks worse than 83752.01% on this metric.

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Seacoast Bancorp's Enterprise Value is $118.72 Mil. First Seacoast Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $-0.01 Mil. Therefore, First Seacoast Bancorp's EV-to-FCF for today is -9,893.00.

The historical rank and industry rank for First Seacoast Bancorp's EV-to-FCF or its related term are showing as below:

FSEA' s EV-to-FCF Range Over the Past 10 Years
Min: -9902.75   Med: 22.83   Max: 743.45
Current: -9893

During the past 9 years, the highest EV-to-FCF of First Seacoast Bancorp was 743.45. The lowest was -9902.75. And the median was 22.83.

FSEA's EV-to-FCF is ranked worse than
100% of 1194 companies
in the Banks industry
Industry Median: 6.565 vs FSEA: -9893.00

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-01), First Seacoast Bancorp's stock price is $16.88. First Seacoast Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $-0.220. Therefore, First Seacoast Bancorp's PE Ratio (TTM) for today is At Loss.


First Seacoast Bancorp  (NAS:FSEA) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

First Seacoast Bancorp's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=16.88/-0.220
=At Loss

First Seacoast Bancorp's share price for today is $16.88.
First Seacoast Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.220.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


First Seacoast Bancorp EV-to-FCF Related Terms


First Seacoast Bancorp EV-to-FCF Historical Data

* Premium members only.

The historical data trend for First Seacoast Bancorp's EV-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Seacoast Bancorp EV-to-FCF Chart

First Seacoast Bancorp Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only 36.44 170.47 -45.37 -28.11 306.55

First Seacoast Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -41.71 -53.33 -95.57 306.55 -8,206.39

FSEA vs CZBC, REDW, PBKX: EV-to-FCF Comparison

For the Banks - Regional subindustry, First Seacoast Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


First Seacoast Bancorp EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, First Seacoast Bancorp's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where First Seacoast Bancorp's EV-to-FCF falls into.


FSEA
55GF Score
First Seacoast Bancorp Inc FSEA
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
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First Seacoast Bancorp EV-to-FCF Calculation

First Seacoast Bancorp's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=118.716/-0.012
=-9,893.00

First Seacoast Bancorp's current Enterprise Value is $118.72 Mil.
First Seacoast Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.01 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EV-to-FCF →
What does a EV-to-FCF of -9,893.00 mean?
First Seacoast Bancorp (FSEA) has a EV-to-FCF of -9,893.00 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Seacoast Bancorp and its competitors. According to the industry distribution chart, First Seacoast Bancorp ranks #999999 out of 1194 companies in the Banks industry.
Is First Seacoast Bancorp's EV-to-FCF too high?
First Seacoast Bancorp's current EV-to-FCF is -9,893.00. Based on the distribution chart, First Seacoast Bancorp ranks #999999 out of 1194 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Seacoast Bancorp has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Seacoast Bancorp's EV-to-FCF compare to CZBC and REDW?
According to the Banks industry distribution chart, First Seacoast Bancorp ranks #999999 out of 1194 companies for EV-to-FCF. This places First Seacoast Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.57. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,194 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Seacoast Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Seacoast Bancorp's current EV-to-FCF is -9,893.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Seacoast Bancorp stock overvalued right now?
Based on GuruFocus' analysis, First Seacoast Bancorp (FSEA) is currently considered Modestly Overvalued. The stock's GF Value™ is $12.98, compared to a current price of $16.88 — trading 30% above its estimated fair value. The current EV-to-FCF is -9,893.00. First Seacoast Bancorp's overall GF Score™ is 55/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Seacoast Bancorp (FSEA), the current EV-to-FCF is -9,893.00 as of Jul. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is First Seacoast Bancorp (FSEA) Overvalued in 2026?

Based on GuruFocus' analysis, First Seacoast Bancorp stock appears to be overvalued. The current stock price of $16.88 is trading 30% above its estimated GF Value™ of $12.98. GuruFocus considers First Seacoast Bancorp to be Modestly Overvalued.

Key valuation signals for FSEA:

  • EV-to-FCF: -9,893.00
  • GF Value™: $12.98 vs. price of $16.88 (30% above fair value)
  • GF Score™: 55/100 with 5 warning signs

No single metric tells the full story. See the FSEA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


First Seacoast Bancorp Business Description

Address 633 Central Avenue, Dover, NH, USA, 03820
First Seacoast Bancorp Inc is the savings and loan holding company. The banks business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations and borrowings from the Federal Home Loan Bank, in one- to four-family residential real estate loans, commercial real estate and multi-family real estate loans, acquisition, development and land loans, commercial and industrial loans, home equity loans and lines of credit and consumer loans. It operates in single segment of Banking Services.
55GF Score

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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.88
Price
$12.98
GF Value