First Seacoast Bancorp Financial Ratios — FSEA Stock

Profitability (USD)

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	3.31	-0.48	6.29	7.37	-1.54	-34.4	-2.02	-3.42
Return on Assets (%)	- -	0.29	-0.02	0.25	0.56	-0.11	-1.92	-0.09	-0.14
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.5	4.31	4.07	3.97	3.44	3.35	5.22	2.92	2.08
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	12.96	10.49	-2.06	7.27	19.75	-6.53	-72.06	0.11	-9.72
Profit Margin (%)	7.33	8.64	-0.61	7.44	16.07	-3.63	-114.41	-3.9	-5.54
Net Income to Common Margin (%)	7.33	8.64	-0.61	7.44	16.07	-3.63	-114.41	-3.9	-5.54
Effective Tax Rate (%)	43.46	17.68	- -	- -	18.65	- -	- -	3,764.29	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	3.31	-0.48	6.29	7.37	-1.54	-34.4	-2.02	-3.42

Credit (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	66	76	66	34	29	99	73	52	52
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	66	76	66	34	29	99	73	52	52
Total Debt/EBITDA	117.43	140.51	125.41	59.25	52.52	190.42	150.22	136.11	165.01
Net Debt/EBITDA	98.47	117.6	112.64	44.52	38.47	173.18	137.73	117.62	122.69
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.93	8.57	0.01	7.73	7.57	6.76	4.49	4.33	4.05
Long-Term Debt/Equity (%)	206.16	231.42	116.04	57.98	48.72	201.47	109.59	84.24	82.31
Long-Term Debt/Capital (%)	67.19	69.53	99.91	49.91	44.41	73.24	74	67.53	68.29
Long-Term Debt/Total Assets (%)	18.28	19.56	16.17	7.7	6.05	18.5	12.79	9	8.73
Total Debt/Equity (%)	206.16	231.42	116.04	57.98	48.72	201.47	109.59	84.24	82.31
Total Debt/Capital (%)	67.19	69.53	99.91	49.91	44.41	73.24	74	67.53	68.29
Total Debt/Total Assets (%)	18.28	19.56	16.17	7.7	6.05	18.5	12.79	9	8.73
Net Debt to Equity	172.87	193.68	104.22	43.57	35.69	183.23	100.48	72.79	61.21
Net Debt/Capital (%)	63.2	65.63	99.9	42.81	36.92	71.34	72.3	64.25	61.55
EBITDA	1	1	1	1	1	1	- -	- -	- -
EBITDA-CapEx	-1	- -	- -	- -	1	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.93	8.57	0.01	7.73	7.57	6.76	4.49	4.33	4.05
Long-Term Debt/Equity (%)	206.16	231.42	116.04	57.98	48.72	201.47	109.59	84.24	82.31
Long-Term Debt/Capital (%)	67.19	69.53	99.91	49.91	44.41	73.24	74	67.53	68.29
Long-Term Debt/Total Assets (%)	18.28	19.56	16.17	7.7	6.05	18.5	12.79	9	8.73
Total Debt/Equity (%)	206.16	231.42	116.04	57.98	48.72	201.47	109.59	84.24	82.31
Total Debt/Capital (%)	67.19	69.53	99.91	49.91	44.41	73.24	74	67.53	68.29
Total Debt/Total Assets (%)	18.28	19.56	16.17	7.7	6.05	18.5	12.79	9	8.73
CFO/Total Liabilities	1.03	-0.19	0.3	0.37	0.57	0.2	-0.38	-0.57	0.08
CFO/CapEx	2.41	-3.8	3.68	4.5	67.25	9.45	-5.49	-8.01	3.74
Altman's Z-Score	0.03	0.03	0.08	0.24	0.24	0.19	0.12	0.13	0.14

Working Capital (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	11.16	10.82	10.96	11.21	8.93	4.35	5.98	7.25
Days Sales Outstanding	- -	32.72	33.73	33.31	32.57	40.88	83.9	61.01	50.37
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	30	62	74	55	36	44	49
- Cash & Cash Equivalents	11	12	7	8	8	9	6	7	13
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	66	76	66	34	29	99	73	52	52
Enterprise Value	26	24	45	32	5	39	-19	-32	-65
Total Capital	98	109	66	68	66	136	99	77	77
Total Debt/Capital (%)	67.19	69.53	99.91	49.91	44.41	73.24	74	67.53	68.29
Total Debt / EV	2.51	3.16	1.47	1.05	6.54	2.52	-3.81	-1.66	-0.8
EV/Sales	2.11	1.91	3.47	2.24	0.28	2.53	- -	- -	- -
EV/EBITDA	46.87	44.42	85.34	56.35	8.03	75.47	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	7.81	- -	42.55	22.84	1.86	40.49	- -	- -	- -
EV/Free Cash Flow to Firm	5.51	- -	33.45	18.69	1.83	36.61	- -	- -	- -
Diluted Market Cap	- -	- -	30	62	74	55	36	44	49
Diluted Enterprise Value	55	63	90	88	96	145	103	89	87
EV per Share	9.81	8.95	16.72	5.53	0.77	8.17	- -	- -	- -
TTM Sales	12	13	13	15	16	16	9	13	15
TTM EBITDA	1	1	1	1	1	1	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3	-1	1	1	2	1	-2	-3	- -
TTM Free Cash Flow to Firm	5	- -	1	2	2	1	-2	-3	1

Multiples (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	22.54	35.86	30.24	51.2	-22.84	-16.87	85.29
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	26	24	45	32	5	39	-19	-32	-65
Low Price	- -	- -	10.46	6.07	10.37	11.43	6.25	7.4	9.53
EV/Sales	2.11	1.91	3.47	2.24	0.28	2.53	- -	- -	- -
EV/EBITDA	46.87	44.42	85.34	56.35	8.03	75.47	- -	- -	- -
Price/Earnings	- -	- -	- -	57.73	28.34	- -	- -	- -	- -
Price/Earnings Average	- -	- -	-373.46	48.69	25.65	-106.48	-3.58	-75.9	-49.15
Price/Earnings High	- -	- -	-419.87	67.46	29.21	-114.32	-5.08	-87.72	-65.26
Price/Earnings Low	- -	- -	-356.77	32.99	23.02	-97.52	-2.73	-62.53	-41.46
Price/Book Value	- -	- -	497.83	1.82	2.01	1.52	1.39	1.73	2
Price/Book Value Average	- -	- -	483.66	1.53	1.82	1.66	1.49	1.55	1.71
Price/Book Value High	- -	- -	543.77	2.12	2.08	1.78	2.11	1.79	2.27
Price/Book Value Low	- -	- -	462.05	1.04	1.64	1.52	1.13	1.28	1.44
Price/Tangible Book Value	- -	- -	0.53	1.06	1.23	1.12	0.54	0.7	0.76
Price/Tangible Book Value Average	- -	- -	0.52	0.89	1.11	1.22	0.57	0.63	0.65
Price/Tangible Book Value High	- -	- -	0.58	1.24	1.27	1.31	0.81	0.73	0.87
Price/Tangible Book Value Low	- -	- -	0.49	0.6	1	1.12	0.44	0.52	0.55
Price/Sales	- -	- -	2.34	4.29	4.55	3.54	3.84	3.31	3.18
Price/Sales Average	- -	- -	2.27	3.62	4.12	3.86	4.1	2.96	2.72
Price/Sales High	- -	- -	2.56	5.02	4.69	4.15	5.82	3.42	3.61
Price/Sales Low	- -	- -	2.17	2.45	3.7	3.54	3.12	2.44	2.3
Price/Cash Flow	- -	- -	28.68	43.83	30.69	56.63	-18.68	-14.76	108.08
Price/Cash Flow Average	- -	- -	27.86	36.97	27.77	61.83	-19.92	-13.21	92.49
Price/Cash Flow High	- -	- -	31.32	51.22	31.62	66.38	-28.29	-15.26	122.82
Price/Cash Flow Low	- -	- -	26.61	25.05	24.92	56.63	-15.18	-10.88	78.03
Price/Free Cash Flow Average	- -	- -	21.9	30.25	27.36	55.91	-24.36	-15.09	72.99
Price/Free Cash Flow High	- -	- -	24.63	41.9	31.16	60.03	-34.6	-17.44	96.92
Price/Free Cash Flow Low	- -	- -	20.92	20.5	24.55	51.2	-18.56	-12.43	61.58
EV/Sales Average	4.43	5.07	6.85	5.39	5.44	9.67	11.28	6.4	5.27
EV/Sales High	4.43	5.07	7.14	6.79	6.02	9.96	13	6.86	6.16
EV/Sales Low	4.43	5.07	6.75	4.22	5.02	9.35	10.31	5.87	4.85
EV/EBITDA Average	98.47	117.6	168.52	135.74	158.31	288.43	216.24	219.03	253.7
EV/EBITDA High	98.47	117.6	175.46	170.88	174.93	296.92	249.22	234.81	296.66
EV/EBITDA Low	98.47	117.6	166.02	106.33	146	278.73	197.54	201.17	233.22
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	11.27	10.62	12.77	11.43	7.69	10.04	13.2
High Price	- -	- -	12.31	12.41	13.16	13.4	11.65	10.38	15
Enterprise Value Average	55	63	89	78	89	151	105	84	80
Enterprise Value High	55	63	93	98	98	155	121	90	94
Enterprise Value Low	55	63	88	61	82	145	96	77	74

Shares Outstanding	3	3	6	6	6	6	5	5	5
Diluted Weighted Avg Shares	3	3	3	6	6	5	5	4	4
Basic Weighted Avg Shares	3	3	3	6	6	5	5	4	4
Revenue per Share	4.65	4.67	4.82	2.47	2.8	3.23	2	3.03	4.15
EBITDA per Share	0.21	0.2	0.2	0.1	0.1	0.11	0.1	0.09	0.09
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.34	0.4	-0.03	0.18	0.45	-0.12	-2.29	-0.12	-0.23
Basic EPS from Cont Ops	0.34	0.4	-0.03	0.18	0.45	-0.12	-2.29	-0.12	-0.23
Diluted EPS, GAAP	0.34	0.4	-0.03	0.18	0.45	-0.12	-2.29	-0.12	-0.23
Diluted EPS from Cont Ops	0.34	0.4	-0.03	0.18	0.45	-0.12	-2.29	-0.12	-0.23
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	1.26	-0.25	0.39	0.24	0.42	0.2	-0.41	-0.68	0.12
Free Cash Flow per Basic Share	0.73	-0.32	0.29	0.19	0.41	0.18	-0.49	-0.76	0.09
Cash & Equivalents per Share	14.76	19.35	19.12	10.9	17.06	23.88	27.5	29.37	45.1
Book Value per Share	12	12.4	0.02	5.84	6.34	7.53	5.51	5.8	6.61
Tangible Book Value per Share	11.92	12.23	21.18	10.04	10.39	10.24	14.32	14.31	17.28

First Seacoast Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)