vs
Side-by-side financial comparison of First Seacoast Bancorp, Inc. (FSEA) and NSTS Bancorp, Inc. (NSTS). 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 $2.5M, roughly 1.6× NSTS Bancorp, Inc.). NSTS Bancorp, Inc. runs the higher net margin — 214.3% vs -2.4%, a 216.7% gap on every dollar of revenue. On growth, First Seacoast Bancorp, Inc. posted the faster year-over-year revenue change (20.6% vs 3.0%). NSTS Bancorp, Inc. produced more free cash flow last quarter ($3.9M vs $329.0K). Over the past eight quarters, First Seacoast Bancorp, Inc.'s revenue compounded faster (12.6% CAGR vs 11.7%).
Sterling Bancorp was an American regional bank holding company that owned Sterling National Bank. It merged into Webster Bank in February 2022.
NSTS Bancorp, Inc. is a U.S.-based bank holding company. It offers a comprehensive suite of retail and commercial banking products and services, including deposit accounts, personal loans, commercial loans, and wealth management solutions, primarily serving individual consumers and small-to-medium enterprises in its regional operating areas.
FSEA vs NSTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $4.0M | $2.5M |
| Net Profit | $-87.0K | $135.0K |
| Gross Margin | — | — |
| Operating Margin | -3.1% | — |
| Net Margin | -2.4% | 214.3% |
| Revenue YoY | 20.6% | 3.0% |
| Net Profit YoY | 93.8% | 393.5% |
| EPS (diluted) | $-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 | $2.5M | ||
| Q3 25 | $4.0M | $2.5M | ||
| Q2 25 | $3.9M | $2.5M | ||
| Q1 25 | $3.5M | $2.2M | ||
| Q4 24 | $3.4M | $2.4M | ||
| Q3 24 | $3.3M | $2.3M | ||
| Q2 24 | $5.9M | $2.3M | ||
| Q1 24 | $3.2M | $2.0M |
| Q4 25 | $-87.0K | $135.0K | ||
| Q3 25 | $390.0K | $65.0K | ||
| Q2 25 | $-545.0K | $-258.0K | ||
| Q1 25 | $-603.0K | $-328.0K | ||
| Q4 24 | $-1.4M | $-46.0K | ||
| Q3 24 | $44.0K | $-171.0K | ||
| Q2 24 | $2.0M | $-326.0K | ||
| Q1 24 | $-1.2M | $-246.0K |
| Q4 25 | -3.1% | — | ||
| Q3 25 | -5.2% | 2.6% | ||
| Q2 25 | -13.7% | -10.1% | ||
| Q1 25 | -17.9% | -15.2% | ||
| Q4 24 | -23.5% | -71.9% | ||
| Q3 24 | -17.8% | -7.6% | ||
| Q2 24 | 35.6% | -14.2% | ||
| Q1 24 | -24.8% | -12.2% |
| Q4 25 | -2.4% | 214.3% | ||
| Q3 25 | 9.8% | 2.6% | ||
| Q2 25 | -14.1% | -10.1% | ||
| Q1 25 | -17.1% | -15.2% | ||
| Q4 24 | -46.9% | -71.9% | ||
| Q3 24 | 1.3% | -7.6% | ||
| Q2 24 | 33.9% | -14.2% | ||
| Q1 24 | -36.1% | -12.2% |
| Q4 25 | $-0.04 | — | ||
| Q3 25 | $0.08 | $0.01 | ||
| Q2 25 | $-0.13 | — | ||
| Q1 25 | $-0.14 | — | ||
| Q4 24 | $-0.31 | — | ||
| Q3 24 | $0.01 | $-0.03 | ||
| Q2 24 | $0.42 | — | ||
| 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 | — | $34.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $63.5M | $80.0M |
| Total Assets | $599.3M | $266.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $34.0M | ||
| Q3 25 | — | $34.1M | ||
| Q2 25 | — | $47.5M | ||
| Q1 25 | — | $57.5M | ||
| Q4 24 | — | $53.5M | ||
| Q3 24 | — | $34.6M | ||
| Q2 24 | — | $32.4M | ||
| Q1 24 | — | $36.4M |
| Q4 25 | $63.5M | $80.0M | ||
| Q3 25 | $63.2M | $78.9M | ||
| Q2 25 | $60.8M | $77.8M | ||
| Q1 25 | $61.2M | $77.5M | ||
| Q4 24 | $62.0M | $76.5M | ||
| Q3 24 | $65.8M | $78.4M | ||
| Q2 24 | $64.5M | $76.5M | ||
| Q1 24 | $64.7M | $77.0M |
| Q4 25 | $599.3M | $266.6M | ||
| Q3 25 | $609.6M | $269.8M | ||
| Q2 25 | $604.8M | $276.0M | ||
| Q1 25 | $592.6M | $282.7M | ||
| Q4 24 | $580.8M | $278.7M | ||
| Q3 24 | $601.8M | $268.4M | ||
| Q2 24 | $601.7M | $265.9M | ||
| Q1 24 | $576.5M | $265.6M |
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 | $4.1M |
| Free Cash FlowOCF − Capex | $329.0K | $3.9M |
| FCF MarginFCF / Revenue | 8.1% | 156.9% |
| Capex IntensityCapex / Revenue | 3.0% | 4.1% |
| Cash ConversionOCF / Net Profit | — | 30.01× |
| TTM Free Cash FlowTrailing 4 quarters | $1.4M | $4.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $449.0K | $4.1M | ||
| Q3 25 | $661.0K | $2.9M | ||
| Q2 25 | $-151.0K | $655.0K | ||
| Q1 25 | $573.0K | $-2.7M | ||
| Q4 24 | $-2.9M | $9.4M | ||
| Q3 24 | $289.0K | $1.6M | ||
| Q2 24 | $-1.4M | $-1.6M | ||
| Q1 24 | $-70.0K | $92.0K |
| Q4 25 | $329.0K | $3.9M | ||
| Q3 25 | $640.0K | $2.9M | ||
| Q2 25 | $-154.0K | $616.0K | ||
| Q1 25 | $542.0K | $-2.7M | ||
| Q4 24 | $-3.3M | $9.1M | ||
| Q3 24 | $264.0K | $1.6M | ||
| Q2 24 | $-1.6M | $-1.7M | ||
| Q1 24 | $-81.0K | $76.0K |
| Q4 25 | 8.1% | 156.9% | ||
| Q3 25 | 16.0% | 113.9% | ||
| Q2 25 | -4.0% | 24.2% | ||
| Q1 25 | 15.4% | -126.1% | ||
| Q4 24 | -99.0% | 373.1% | ||
| Q3 24 | 7.9% | 69.3% | ||
| Q2 24 | -26.5% | -76.4% | ||
| Q1 24 | -2.5% | 3.8% |
| Q4 25 | 3.0% | 4.1% | ||
| Q3 25 | 0.5% | 0.1% | ||
| Q2 25 | 0.1% | 1.5% | ||
| Q1 25 | 0.9% | 2.5% | ||
| Q4 24 | 11.0% | 13.1% | ||
| Q3 24 | 0.7% | 2.3% | ||
| Q2 24 | 2.8% | 5.1% | ||
| Q1 24 | 0.3% | 0.8% |
| Q4 25 | — | 30.01× | ||
| Q3 25 | 1.69× | 44.03× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 6.57× | — | ||
| Q2 24 | -0.70× | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
