vs
Side-by-side financial comparison of First Seacoast Bancorp, Inc. (FSEA) and MIND CTI LTD (MNDO). Click either name above to swap in a different company.
MIND CTI LTD is the larger business by last-quarter revenue ($4.9M vs $4.0M, roughly 1.2× First Seacoast Bancorp, Inc.). MIND CTI LTD runs the higher net margin — 19.4% vs -2.4%, a 21.8% gap on every dollar of revenue. MIND CTI LTD produced more free cash flow last quarter ($4.0M vs $329.0K). Over the past eight quarters, First Seacoast Bancorp, Inc.'s revenue compounded faster (12.6% CAGR vs -45.1%).
Sterling Bancorp was an American regional bank holding company that owned Sterling National Bank. It merged into Webster Bank in February 2022.
MIND CTI Ltd. is a global provider of billing and customer care solutions and messaging services for voice, data, video and content services. Headquartered in Yokneam, Israel; the company also has offices in the United States of America, Iaşi in Romania and in Germany.
FSEA vs MNDO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $4.0M | $4.9M |
| Net Profit | $-87.0K | $950.0K |
| Gross Margin | — | 55.4% |
| Operating Margin | -3.1% | 16.5% |
| Net Margin | -2.4% | 19.4% |
| Revenue YoY | 20.6% | — |
| Net Profit YoY | 93.8% | — |
| EPS (diluted) | $-0.04 | $0.05 |
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 | $4.9M | ||
| Q3 25 | $4.0M | $16.2M | ||
| Q2 25 | $3.9M | $11.0M | ||
| Q1 25 | $3.5M | — | ||
| Q4 24 | $3.4M | $5.2M | ||
| Q3 24 | $3.3M | $16.0M | ||
| Q2 24 | $5.9M | $10.7M | ||
| Q1 24 | $3.2M | — |
| Q4 25 | $-87.0K | $950.0K | ||
| Q3 25 | $390.0K | $3.4M | ||
| Q2 25 | $-545.0K | $2.5M | ||
| Q1 25 | $-603.0K | — | ||
| Q4 24 | $-1.4M | $1.2M | ||
| Q3 24 | $44.0K | $3.7M | ||
| Q2 24 | $2.0M | $2.5M | ||
| Q1 24 | $-1.2M | — |
| Q4 25 | — | 55.4% | ||
| Q3 25 | — | 48.3% | ||
| Q2 25 | — | 50.6% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 55.6% | ||
| Q3 24 | — | 50.6% | ||
| Q2 24 | — | 50.4% | ||
| Q1 24 | — | — |
| Q4 25 | -3.1% | 16.5% | ||
| Q3 25 | -5.2% | 18.8% | ||
| Q2 25 | -13.7% | 21.0% | ||
| Q1 25 | -17.9% | — | ||
| Q4 24 | -23.5% | 25.4% | ||
| Q3 24 | -17.8% | 22.5% | ||
| Q2 24 | 35.6% | 22.2% | ||
| Q1 24 | -24.8% | — |
| Q4 25 | -2.4% | 19.4% | ||
| Q3 25 | 9.8% | 20.9% | ||
| Q2 25 | -14.1% | 22.3% | ||
| Q1 25 | -17.1% | — | ||
| Q4 24 | -46.9% | 23.8% | ||
| Q3 24 | 1.3% | 23.3% | ||
| Q2 24 | 33.9% | 23.1% | ||
| Q1 24 | -36.1% | — |
| Q4 25 | $-0.04 | $0.05 | ||
| Q3 25 | $0.08 | $0.16 | ||
| Q2 25 | $-0.13 | $0.12 | ||
| Q1 25 | $-0.14 | — | ||
| Q4 24 | $-0.31 | $0.06 | ||
| Q3 24 | $0.01 | $0.18 | ||
| Q2 24 | $0.42 | $0.12 | ||
| Q1 24 | $-0.24 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $8.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $63.5M | $23.0M |
| Total Assets | $599.3M | $30.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $8.3M | ||
| Q3 25 | — | $4.5M | ||
| Q2 25 | — | $4.5M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $4.6M | ||
| Q3 24 | — | $3.0M | ||
| Q2 24 | — | $3.0M | ||
| Q1 24 | — | — |
| Q4 25 | $63.5M | $23.0M | ||
| Q3 25 | $63.2M | $24.3M | ||
| Q2 25 | $60.8M | $24.3M | ||
| Q1 25 | $61.2M | — | ||
| Q4 24 | $62.0M | $24.3M | ||
| Q3 24 | $65.8M | $24.5M | ||
| Q2 24 | $64.5M | $24.5M | ||
| Q1 24 | $64.7M | — |
| Q4 25 | $599.3M | $30.2M | ||
| Q3 25 | $609.6M | $30.7M | ||
| Q2 25 | $604.8M | $30.7M | ||
| Q1 25 | $592.6M | — | ||
| Q4 24 | $580.8M | $30.7M | ||
| Q3 24 | $601.8M | $31.6M | ||
| Q2 24 | $601.7M | $31.6M | ||
| Q1 24 | $576.5M | — |
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 | $4.0M |
| Free Cash FlowOCF − Capex | $329.0K | $4.0M |
| FCF MarginFCF / Revenue | 8.1% | 81.0% |
| Capex IntensityCapex / Revenue | 3.0% | 0.6% |
| Cash ConversionOCF / Net Profit | — | 4.20× |
| TTM Free Cash FlowTrailing 4 quarters | $1.4M | $14.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $449.0K | $4.0M | ||
| Q3 25 | $661.0K | $3.8M | ||
| Q2 25 | $-151.0K | $2.9M | ||
| Q1 25 | $573.0K | — | ||
| Q4 24 | $-2.9M | $4.1M | ||
| Q3 24 | $289.0K | $3.4M | ||
| Q2 24 | $-1.4M | $2.4M | ||
| Q1 24 | $-70.0K | — |
| Q4 25 | $329.0K | $4.0M | ||
| Q3 25 | $640.0K | $3.8M | ||
| Q2 25 | $-154.0K | $2.9M | ||
| Q1 25 | $542.0K | — | ||
| Q4 24 | $-3.3M | $4.1M | ||
| Q3 24 | $264.0K | $3.3M | ||
| Q2 24 | $-1.6M | $2.4M | ||
| Q1 24 | $-81.0K | — |
| Q4 25 | 8.1% | 81.0% | ||
| Q3 25 | 16.0% | 23.4% | ||
| Q2 25 | -4.0% | 25.8% | ||
| Q1 25 | 15.4% | — | ||
| Q4 24 | -99.0% | 78.9% | ||
| Q3 24 | 7.9% | 20.8% | ||
| Q2 24 | -26.5% | 22.1% | ||
| Q1 24 | -2.5% | — |
| Q4 25 | 3.0% | 0.6% | ||
| Q3 25 | 0.5% | 0.0% | ||
| Q2 25 | 0.1% | 0.0% | ||
| Q1 25 | 0.9% | — | ||
| Q4 24 | 11.0% | 0.2% | ||
| Q3 24 | 0.7% | 0.3% | ||
| Q2 24 | 2.8% | 0.4% | ||
| Q1 24 | 0.3% | — |
| Q4 25 | — | 4.20× | ||
| Q3 25 | 1.69× | 1.12× | ||
| Q2 25 | — | 1.16× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 3.32× | ||
| Q3 24 | 6.57× | 0.91× | ||
| Q2 24 | -0.70× | 0.97× | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
