First Seacoast Bancorp
Operates a community savings bank through First Seacoast Bank.
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Profile
Operates First Seacoast Bank, a Dover, New Hampshire community savings bank that gathers deposits and makes residential, commercial real-estate, business, home-equity, and consumer loans. The federally chartered bank is the holding company's wholly owned operating subsidiary.
Operates First Seacoast Bank, a federally chartered community savings bank based in Dover, New Hampshire. The bank accepts public deposits and uses those funds, operating funds, and Federal Home Loan Bank borrowings to make residential, commercial real-estate, multifamily, land-development, business, home-equity, and consumer loans.
The franchise traces its local roots to 1890 and adopted the First Seacoast Bank name during a mutual-holding-company reorganization. The present holding company later became fully public through a conversion to stock form.
A pending merger agreement would combine the holding company with Cambridge Financial Group and the bank with Cambridge Savings Bank. The transaction requires regulatory and shareholder approvals.
Company facts
Categories
Key statistics
Year to date +32.4% · Average volume (30d) 6.2K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 7, 2026Q2 FY26 | — | $0.05 | — | — | $4.1M | — | +0.18% |
| May 15, 2026Q1 FY26 | — | −$0.12 | — | — | $6.9M | — | +0.12% |
| Mar 20, 2026Q4 FY25 | — | −$0.05 | — | — | $7.3M | — | +0.62% |
| Nov 14, 2025Q3 FY25 | — | $0.08 | — | — | $7.4M | — | −2.01% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $6.7M | $7.1M | $7.4M | $7.3M | $6.9M | $4.1M | |
| Gross profit | $3.5M | $3.8M | $3.9M | $4.0M | $3.9M | $4.1M | |
| Operating income | −$632.0K | −$533.0K | −$206.0K | −$112.0K | −$235.0K | $22.0K | |
| Net income | −$603.0K | −$545.0K | $390.0K | −$87.0K | −$508.0K | $249.0K | |
| Diluted EPS | −$0.14 | −$0.13 | $0.08 | −$0.02 | −$0.12 | $0.05 | |
| Gross margin | 51.7% | 53.1% | 53.3% | 55.4% | 57.2% | 100.0% | |
| Operating margin | -9.4% | -7.5% | -2.8% | -1.5% | -3.4% | 0.5% |
Fiscal years (4-quarter sums)FY21 $17.5M · FY22 $17.3M · FY23 $18.4M · FY24 $26.7M · FY25 $28.6M
Balance sheet, Jun 30, 2026Cash & short-term investments $139.3M · Total debt $44.8M · Total assets $576.1M · Shareholders' equity $63.8M
Dividends
No dividends on record.
Ownership
Shares outstanding 4.69M · Float 3.41M · 72.7% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| AllianceBernstein L.P. | 458.1K | 9.76% | 13F | May 15, 2026 |
| First Seacoast Bank Employee Stock Ownership Plan Trust | 414.7K | 8.80% | 13G | Feb 12, 2026 |
| DAB Financial LLC | 384.8K | 8.16% | 13D | May 22, 2025 |
| Spence Limited, LP | 231.9K | 5.26% | 13G | Feb 5, 2025 |
| Vanguard Capital Management LLC | 185.5K | 3.95% | 13F | May 15, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Dec 9, 2025 | Richard M. Donovan | officer: President and CFO | +2,322 | $12.23 |
| Nov 18, 2025 | Thomas J. Jean | director | −1,750 | $11.58 |
| Jun 17, 2025 | Thomas J. Jean | director | −1,700 | $11.08 |
| Sep 3, 2025 | Mark P. Boulanger | director | +1,200 | $11.47 |
Peers
- Citizens Financial Group
Large branch and digital-bank rival across the New Hampshire Seacoast
- Toronto-Dominion Bank
Dense New Hampshire retail and small-business banking network
- Eastern Bankshares
Regional bank serving southern and coastal New Hampshire customers
- Camden National
Northern New England community-bank peer with an expanded NH footprint
- Bar Harbor Bankshares
Northern New England community-bank peer across Maine and New Hampshire
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First Seacoast Bancorp | $17.17 | −0.06% | $80.6M | — | — | 3.1 | −41.9% |
| Citizens Financial Group | $71.05 | +1.96% | $29.48B | 15.2 | 11.9 | 2.6 | +12.1% |
| Toronto-Dominion Bank | $120.19 | −0.90% | $204.85B | 18.1 | 15.8 | 2.5 | −22.1% |
| Eastern Bankshares | $22.29 | −0.04% | $5.15B | 12.7 | 11.1 | 3.6 | +29.6% |
| Camden National | $56.66 | −0.07% | $958.4M | 10.9 | 10.2 | 2.8 | +20.5% |
| Bar Harbor Bankshares | $39.40 | −0.18% | $659.6M | 13.3 | 10.7 | 2.9 | +43.8% |
| Median | 13.3 | 11.1 | 2.8 | +20.5% |