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Side-by-side financial comparison of First Seacoast Bancorp, Inc. (FSEA) and Kentucky First Federal Bancorp (KFFB). 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 $2.8M, roughly 1.4× Kentucky First Federal Bancorp). Kentucky First Federal Bancorp runs the higher net margin — 10.7% vs -2.4%, a 13.1% gap on every dollar of revenue. On growth, Kentucky First Federal Bancorp posted the faster year-over-year revenue change (28.3% vs 20.6%). First Seacoast Bancorp, Inc. produced more free cash flow last quarter ($329.0K vs $-367.0K). Over the past eight quarters, Kentucky First Federal Bancorp's revenue compounded faster (24.0% CAGR vs 12.6%).
Sterling Bancorp was an American regional bank holding company that owned Sterling National Bank. It merged into Webster Bank in February 2022.
Kentucky First Federal Bancorp is a U.S. regional bank holding company based in Kentucky. It offers retail and commercial banking services including deposits, mortgage loans, consumer lending and small business financing, serving local individual customers and small-to-medium enterprises across its Kentucky operating regions.
FSEA vs KFFB — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $4.0M | $2.8M |
| Net Profit | $-87.0K | $304.0K |
| Gross Margin | — | — |
| Operating Margin | -3.1% | 14.1% |
| Net Margin | -2.4% | 10.7% |
| Revenue YoY | 20.6% | 28.3% |
| Net Profit YoY | 93.8% | 2238.5% |
| EPS (diluted) | $-0.04 | $0.04 |
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 | $2.8M | ||
| Q3 25 | $4.0M | $2.7M | ||
| Q2 25 | $3.9M | $2.4M | ||
| Q1 25 | $3.5M | $2.2M | ||
| Q4 24 | $3.4M | $2.2M | ||
| Q3 24 | $3.3M | $2.0M | ||
| Q2 24 | $5.9M | $2.0M | ||
| Q1 24 | $3.2M | $1.8M |
| Q4 25 | $-87.0K | $304.0K | ||
| Q3 25 | $390.0K | $344.0K | ||
| Q2 25 | $-545.0K | $176.0K | ||
| Q1 25 | $-603.0K | $7.0K | ||
| Q4 24 | $-1.4M | $13.0K | ||
| Q3 24 | $44.0K | $-15.0K | ||
| Q2 24 | $2.0M | $-1.1M | ||
| Q1 24 | $-1.2M | $-107.0K |
| Q4 25 | -3.1% | 14.1% | ||
| Q3 25 | -5.2% | 17.0% | ||
| Q2 25 | -13.7% | 10.3% | ||
| Q1 25 | -17.9% | 0.7% | ||
| Q4 24 | -23.5% | 0.3% | ||
| Q3 24 | -17.8% | -1.0% | ||
| Q2 24 | 35.6% | -58.7% | ||
| Q1 24 | -24.8% | -7.9% |
| Q4 25 | -2.4% | 10.7% | ||
| Q3 25 | 9.8% | 12.9% | ||
| Q2 25 | -14.1% | 7.6% | ||
| Q1 25 | -17.1% | 0.3% | ||
| Q4 24 | -46.9% | 0.6% | ||
| Q3 24 | 1.3% | -0.7% | ||
| Q2 24 | 33.9% | -56.7% | ||
| Q1 24 | -36.1% | -5.8% |
| Q4 25 | $-0.04 | $0.04 | ||
| Q3 25 | $0.08 | $0.04 | ||
| Q2 25 | $-0.13 | $0.02 | ||
| Q1 25 | $-0.14 | $0.00 | ||
| Q4 24 | $-0.31 | $0.00 | ||
| Q3 24 | $0.01 | $0.00 | ||
| Q2 24 | $0.42 | $-0.13 | ||
| Q1 24 | $-0.24 | $-0.01 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $19.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $63.5M | $49.1M |
| Total Assets | $599.3M | $375.3M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $19.7M | ||
| Q3 25 | — | $14.6M | ||
| Q2 25 | — | $19.5M | ||
| Q1 25 | — | $27.8M | ||
| Q4 24 | — | $21.0M | ||
| Q3 24 | — | $17.3M | ||
| Q2 24 | — | $18.3M | ||
| Q1 24 | — | $15.4M |
| Q4 25 | $63.5M | $49.1M | ||
| Q3 25 | $63.2M | $48.8M | ||
| Q2 25 | $60.8M | $48.4M | ||
| Q1 25 | $61.2M | $48.2M | ||
| Q4 24 | $62.0M | $48.1M | ||
| Q3 24 | $65.8M | $48.2M | ||
| Q2 24 | $64.5M | $48.0M | ||
| Q1 24 | $64.7M | $49.0M |
| Q4 25 | $599.3M | $375.3M | ||
| Q3 25 | $609.6M | $366.5M | ||
| Q2 25 | $604.8M | $371.2M | ||
| Q1 25 | $592.6M | $380.7M | ||
| Q4 24 | $580.8M | $374.2M | ||
| Q3 24 | $601.8M | $375.6M | ||
| Q2 24 | $601.7M | $375.0M | ||
| Q1 24 | $576.5M | $369.1M |
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 | $-303.0K |
| Free Cash FlowOCF − Capex | $329.0K | $-367.0K |
| FCF MarginFCF / Revenue | 8.1% | -12.9% |
| Capex IntensityCapex / Revenue | 3.0% | 2.3% |
| Cash ConversionOCF / Net Profit | — | -1.00× |
| TTM Free Cash FlowTrailing 4 quarters | $1.4M | $-377.0K |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $449.0K | $-303.0K | ||
| Q3 25 | $661.0K | $450.0K | ||
| Q2 25 | $-151.0K | $-86.0K | ||
| Q1 25 | $573.0K | $-155.0K | ||
| Q4 24 | $-2.9M | $1.4M | ||
| Q3 24 | $289.0K | $-1.4M | ||
| Q2 24 | $-1.4M | $-1.5M | ||
| Q1 24 | $-70.0K | $-176.0K |
| Q4 25 | $329.0K | $-367.0K | ||
| Q3 25 | $640.0K | $445.0K | ||
| Q2 25 | $-154.0K | $-235.0K | ||
| Q1 25 | $542.0K | $-220.0K | ||
| Q4 24 | $-3.3M | $1.4M | ||
| Q3 24 | $264.0K | $-1.4M | ||
| Q2 24 | $-1.6M | $-1.5M | ||
| Q1 24 | $-81.0K | $-191.0K |
| Q4 25 | 8.1% | -12.9% | ||
| Q3 25 | 16.0% | 16.7% | ||
| Q2 25 | -4.0% | -9.7% | ||
| Q1 25 | 15.4% | -9.9% | ||
| Q4 24 | -99.0% | 61.8% | ||
| Q3 24 | 7.9% | -70.2% | ||
| Q2 24 | -26.5% | -77.7% | ||
| Q1 24 | -2.5% | -10.4% |
| Q4 25 | 3.0% | 2.3% | ||
| Q3 25 | 0.5% | 0.2% | ||
| Q2 25 | 0.1% | 6.2% | ||
| Q1 25 | 0.9% | 2.9% | ||
| Q4 24 | 11.0% | 3.7% | ||
| Q3 24 | 0.7% | 0.1% | ||
| Q2 24 | 2.8% | 3.4% | ||
| Q1 24 | 0.3% | 0.8% |
| Q4 25 | — | -1.00× | ||
| Q3 25 | 1.69× | 1.31× | ||
| Q2 25 | — | -0.49× | ||
| Q1 25 | — | -22.14× | ||
| Q4 24 | — | 111.31× | ||
| Q3 24 | 6.57× | — | ||
| Q2 24 | -0.70× | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
