First Seacoast Bancorp cash flow to debt ratio of 0.78% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

First Seacoast Bancorp's free cash flow has increased -109.92% from $-3.32M last year to $329.00K, signaling increasing performance

First Seacoast Bancorp's debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

First Seacoast Bancorp's debt has decreased relative to shareholder equity from 0.84 last year to 0.00 today, signaling strengthened financials

First Seacoast Bancorp has a net cash position, so leverage is healthy.

First Seacoast Bancorp earns at least as much interest as it pays. Interest obligations are fully covered.

First Seacoast Bancorp's profit margin has increased (-108.18%) in the last year from -1.92% to 0.16%, signaling increasing performance

First Seacoast Bancorp's short-term assets of $167.93M exceed its short-term liabilities of $50.67M

First Seacoast Bancorp's return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

First Seacoast Bancorp's return on equity of 0.07%, is lower than 15.00%, indicating bad performance

First Seacoast Bancorp's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

First Seacoast Bancorp had positive net income in only 1 out of 5 years, indicating unstable earnings

First Seacoast Bancorp has positive free cash flow, indicating the company generates cash after capital expenditures

First Seacoast Bancorp has a free cash flow yield of 0.41%, which is below the 2.00% threshold, indicating limited cash return relative to market value

First Seacoast Bancorp's yearly earnings has decreased 64.72% since last year from $-513.00K to $-845.00K, signaling decreasing performance

First Seacoast Bancorp's yearly revenue has decreased 100.00% since last year from $26.68M to $0.00, signaling decreasing performance

ROIC 0.03% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

First Seacoast Bancorp's 3-year revenue CAGR of 18.40% is positive, indicating growing revenue over the past 3 years

First Seacoast Bancorp had revenue growth in 3 out of 5 years, indicating consistent revenue performance

First Seacoast Bancorp had positive ROE in only 1 out of 5 years, indicating inconsistent returns on equity

First Seacoast Bancorp has insufficient data to evaluate this check.

First Seacoast Bancorp has an earnings yield of 0.06%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

First Seacoast Bancorp is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

First Seacoast Bancorp has negative or missing EBITDA, making EV/EBITDA ratio unreliable

First Seacoast Bancorp is overvalued relative to its fair value price of -7.81 based on Earnings Fair Value model

First Seacoast Bancorp has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

First Seacoast Bancorp has a price-to-book ratio of 1.15x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

First Seacoast Bancorp has a price-to-sales ratio of 2.62x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue