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Side-by-side financial comparison of First Seacoast Bancorp, Inc. (FSEA) and HeartCore Enterprises, Inc. (HTCR). Click either name above to swap in a different company.
First Seacoast Bancorp, Inc. is the larger business by last-quarter revenue ($4.0M vs $3.0M, roughly 1.4× HeartCore Enterprises, Inc.). HeartCore Enterprises, Inc. runs the higher net margin — 14.5% vs -2.4%, a 16.9% gap on every dollar of revenue. On growth, First Seacoast Bancorp, Inc. posted the faster year-over-year revenue change (20.6% vs -81.6%). Over the past eight quarters, First Seacoast Bancorp, Inc.'s revenue compounded faster (12.6% CAGR vs -5.2%).
Sterling Bancorp was an American regional bank holding company that owned Sterling National Bank. It merged into Webster Bank in February 2022.
HeartCore Enterprises, Inc. is a global SaaS provider specializing in customer experience management, digital transformation solutions, and marketing technology tools. It operates mainly in Japan, Asia-Pacific, and North America, serving small-to-medium businesses and large enterprises with content management systems, marketing automation platforms, and CRM solutions.
FSEA vs HTCR — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $4.0M | $3.0M |
| Net Profit | $-87.0K | $434.1K |
| Gross Margin | — | 49.1% |
| Operating Margin | -3.1% | -0.4% |
| Net Margin | -2.4% | 14.5% |
| Revenue YoY | 20.6% | -81.6% |
| Net Profit YoY | 93.8% | -96.1% |
| EPS (diluted) | $-0.04 | $0.02 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $4.0M | — | ||
| Q3 25 | $4.0M | $3.0M | ||
| Q2 25 | $3.9M | $4.7M | ||
| Q1 25 | $3.5M | $3.6M | ||
| Q4 24 | $3.4M | $-2.7M | ||
| Q3 24 | $3.3M | $16.2M | ||
| Q2 24 | $5.9M | $4.1M | ||
| Q1 24 | $3.2M | $5.0M |
| Q4 25 | $-87.0K | — | ||
| Q3 25 | $390.0K | $434.1K | ||
| Q2 25 | $-545.0K | $1.1M | ||
| Q1 25 | $-603.0K | $-3.1M | ||
| Q4 24 | $-1.4M | $-9.3M | ||
| Q3 24 | $44.0K | $11.1M | ||
| Q2 24 | $2.0M | $-2.0M | ||
| Q1 24 | $-1.2M | $-1.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | 49.1% | ||
| Q2 25 | — | 46.7% | ||
| Q1 25 | — | 30.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 86.3% | ||
| Q2 24 | — | 19.8% | ||
| Q1 24 | — | 40.3% |
| Q4 25 | -3.1% | — | ||
| Q3 25 | -5.2% | -0.4% | ||
| Q2 25 | -13.7% | 2.3% | ||
| Q1 25 | -17.9% | -34.7% | ||
| Q4 24 | -23.5% | 386.5% | ||
| Q3 24 | -17.8% | 76.0% | ||
| Q2 24 | 35.6% | -37.1% | ||
| Q1 24 | -24.8% | -13.5% |
| Q4 25 | -2.4% | — | ||
| Q3 25 | 9.8% | 14.5% | ||
| Q2 25 | -14.1% | 23.2% | ||
| Q1 25 | -17.1% | -86.1% | ||
| Q4 24 | -46.9% | 346.8% | ||
| Q3 24 | 1.3% | 68.1% | ||
| Q2 24 | 33.9% | -48.0% | ||
| Q1 24 | -36.1% | -26.4% |
| Q4 25 | $-0.04 | — | ||
| Q3 25 | $0.08 | $0.02 | ||
| Q2 25 | $-0.13 | $0.04 | ||
| Q1 25 | $-0.14 | $-0.14 | ||
| Q4 24 | $-0.31 | $-0.45 | ||
| Q3 24 | $0.01 | $0.53 | ||
| Q2 24 | $0.42 | $-0.09 | ||
| Q1 24 | $-0.24 | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $4.4M |
| Total DebtLower is stronger | — | $510.9K |
| Stockholders' EquityBook value | $63.5M | $5.2M |
| Total Assets | $599.3M | $13.3M |
| Debt / EquityLower = less leverage | — | 0.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | $4.4M | ||
| Q2 25 | — | $2.5M | ||
| Q1 25 | — | $2.3M | ||
| Q4 24 | — | $6.5M | ||
| Q3 24 | — | $8.6M | ||
| Q2 24 | — | $4.2M | ||
| Q1 24 | — | $1.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | $510.9K | ||
| Q2 25 | — | $1.5M | ||
| Q1 25 | — | $1.5M | ||
| Q4 24 | — | $545.1K | ||
| Q3 24 | — | $1.9M | ||
| Q2 24 | — | $1.9M | ||
| Q1 24 | — | $2.0M |
| Q4 25 | $63.5M | — | ||
| Q3 25 | $63.2M | $5.2M | ||
| Q2 25 | $60.8M | $4.8M | ||
| Q1 25 | $61.2M | $1.8M | ||
| Q4 24 | $62.0M | $4.7M | ||
| Q3 24 | $65.8M | $12.4M | ||
| Q2 24 | $64.5M | $1.6M | ||
| Q1 24 | $64.7M | $3.9M |
| Q4 25 | $599.3M | — | ||
| Q3 25 | $609.6M | $13.3M | ||
| Q2 25 | $604.8M | $13.5M | ||
| Q1 25 | $592.6M | $10.2M | ||
| Q4 24 | $580.8M | $14.0M | ||
| Q3 24 | $601.8M | $25.5M | ||
| Q2 24 | $601.7M | $24.1M | ||
| Q1 24 | $576.5M | $22.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.10× | ||
| Q2 25 | — | 0.31× | ||
| Q1 25 | — | 0.84× | ||
| Q4 24 | — | 0.12× | ||
| Q3 24 | — | 0.15× | ||
| Q2 24 | — | 1.20× | ||
| Q1 24 | — | 0.50× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $449.0K | — |
| Free Cash FlowOCF − Capex | $329.0K | — |
| FCF MarginFCF / Revenue | 8.1% | — |
| Capex IntensityCapex / Revenue | 3.0% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $1.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $449.0K | — | ||
| Q3 25 | $661.0K | — | ||
| Q2 25 | $-151.0K | $-674.1K | ||
| Q1 25 | $573.0K | $-2.0M | ||
| Q4 24 | $-2.9M | $-1.3M | ||
| Q3 24 | $289.0K | $-1.8M | ||
| Q2 24 | $-1.4M | $-837.1K | ||
| Q1 24 | $-70.0K | $-898.6K |
| Q4 25 | $329.0K | — | ||
| Q3 25 | $640.0K | — | ||
| Q2 25 | $-154.0K | — | ||
| Q1 25 | $542.0K | — | ||
| Q4 24 | $-3.3M | — | ||
| Q3 24 | $264.0K | — | ||
| Q2 24 | $-1.6M | — | ||
| Q1 24 | $-81.0K | — |
| Q4 25 | 8.1% | — | ||
| Q3 25 | 16.0% | — | ||
| Q2 25 | -4.0% | — | ||
| Q1 25 | 15.4% | — | ||
| Q4 24 | -99.0% | — | ||
| Q3 24 | 7.9% | — | ||
| Q2 24 | -26.5% | — | ||
| Q1 24 | -2.5% | — |
| Q4 25 | 3.0% | — | ||
| Q3 25 | 0.5% | — | ||
| Q2 25 | 0.1% | — | ||
| Q1 25 | 0.9% | — | ||
| Q4 24 | 11.0% | — | ||
| Q3 24 | 0.7% | 0.0% | ||
| Q2 24 | 2.8% | — | ||
| Q1 24 | 0.3% | — |
| Q4 25 | — | — | ||
| Q3 25 | 1.69× | — | ||
| Q2 25 | — | -0.61× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 6.57× | -0.16× | ||
| Q2 24 | -0.70× | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FSEA
Segment breakdown not available.
HTCR
| Customised Software Development And Services | $1.7M | 58% |
| Software Related Cost Of Revenues | $1.4M | 46% |
