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* 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.
For the Banks - Regional subindustry, First Seacoast Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Seacoast Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Seacoast Bancorp's FCF Margin % falls into.
* 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 (FSEA) has a FCF Margin % of -4.93% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Seacoast Bancorp and its competitors. According to the industry distribution chart, First Seacoast Bancorp ranks #1112 out of 1500 companies in the Banks industry, placing it in the top 74.1%.
Is First Seacoast Bancorp's FCF Margin % too high?
First Seacoast Bancorp's current FCF Margin % is -4.93%. Based on the distribution chart, First Seacoast Bancorp ranks #1112 out of 1500 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to REDW and PBKX?
According to the Banks industry distribution chart, First Seacoast Bancorp ranks #1112 out of 1500 companies for FCF Margin %. This places First Seacoast Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.70. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.70, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Seacoast Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Seacoast Bancorp's current FCF Margin % is -4.93%. 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 $13.14, compared to a current price of $17.10 — trading 30.1% above its estimated fair value. The current FCF Margin % is -4.93%. First Seacoast Bancorp's overall GF Score™ is 55/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Seacoast Bancorp (FSEA), the current FCF Margin % is -4.93% as of Jun. 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 $17.10 is trading 30.1% above its estimated GF Value™ of $13.14.
GuruFocus considers First Seacoast Bancorp to be Modestly Overvalued.
Key valuation signals for FSEA:
FCF Margin %: -4.93%
GF Value™: $13.14 vs. price of $17.10 (30.1% above fair value)
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 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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