All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 6 read as filed from the record and 3 are SI estimates, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2022; the latest 2024-03-05.
From the record
First Seacoast Bancorp, Inc.'s filings since 2022 show 2 warning events: an auditor change (8-K item 4.01, 2 times, the latest 2024-03-05) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+14.9% a year over 5 filed years; profitable in 1 of 5.
From the record
First Seacoast Bancorp, Inc.'s 5 filed years say what it did: revenue went from $15 million in fiscal 2021 to $27 million in fiscal 2025, up 14.9% a year; it rose in 4 of 4 years; it never fell from a peak; net income was positive in 1 of 5 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
SI estimate 9.6/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: First Seacoast Bancorp, Inc.'s shareholder treatment is put at 9.6 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the top 5% of 33 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they doing right now?
Is it financially healthy right now?
ROE -1%: lost 1¢ per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, First Seacoast Bancorp, Inc. lost about 1 cents for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count shrank 15.2% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 28% of 31 in its family; net margin -3.1%.
From the record
First Seacoast Bancorp, Inc.'s standing among 31 graded names in its industry family: revenue of $27 million in fiscal 2025 ranks in the bottom 15% by size; a net margin of -3.1% ranks in the bottom 18%; revenue growth of 17.6% a year over the last 3 filed years ranks in the top 47% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
SI estimate 4.8/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: First Seacoast Bancorp, Inc.'s leadership is put at 4.8 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 48% of 31 in its family; the record of its people begins on 2023-01-19 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 3.8 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they set up to do next?
How much room does it have to grow?
SI estimate 0.8/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: First Seacoast Bancorp, Inc.'s room to expand is put at 0.8 of 10 with a confidence of 35 of 100, because read from one part only, cash from operations less capital spending against revenue, which ranks in the bottom 8% of 33 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.
What could actually drive growth from here?
top 44% of 30 in its family for growth drivers.
From the record
First Seacoast Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 17.6% a year over the last three filed years against 14.9% over all 5, speeding up (bottom 48% of its family); the newest year grew 6.1% (top 35%); capital spending grew 5.2% a year (top 47%) (its annual reports). First Seacoast Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 33% of 29 in its family for expectations against reality.
From the record
First Seacoast Bancorp, Inc.'s newest year against its own record: revenue of $27 million in fiscal 2025 came in 14.2% below the $31 million its prior three years' pace pointed to (bottom 43% of its family); net income of $845 thousand against a prior three-year average of $4 million (top 26%); a net margin of -3.1% against -19.1% before (top 16%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made