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Side-by-side financial comparison of First Seacoast Bancorp, Inc. (FSEA) and Onfolio Holdings, Inc (ONFO). 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 $2.0M, roughly 2.0× Onfolio Holdings, Inc). First Seacoast Bancorp, Inc. runs the higher net margin — -2.4% vs -27.0%, a 24.6% gap on every dollar of revenue. On growth, First Seacoast Bancorp, Inc. posted the faster year-over-year revenue change (20.6% vs -20.1%). Over the past eight quarters, Onfolio Holdings, Inc's revenue compounded faster (13.0% 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.
Onfolio Holdings Inc. acquires, manages and grows a diversified portfolio of small to medium-sized online businesses, including niche content sites, e-commerce stores, and SaaS tools. It operates primarily in North America and Western Europe, focusing on high-margin, sustainable digital assets with stable revenue streams.
FSEA vs ONFO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $4.0M | $2.0M |
| Net Profit | $-87.0K | $-547.1K |
| Gross Margin | — | 50.0% |
| Operating Margin | -3.1% | -59.1% |
| Net Margin | -2.4% | -27.0% |
| Revenue YoY | 20.6% | -20.1% |
| Net Profit YoY | 93.8% | -69.0% |
| EPS (diluted) | $-0.04 | $-0.37 |
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 | $2.0M | ||
| Q3 25 | $4.0M | $2.7M | ||
| Q2 25 | $3.9M | $3.1M | ||
| Q1 25 | $3.5M | $2.8M | ||
| Q4 24 | $3.4M | $2.5M | ||
| Q3 24 | $3.3M | $2.0M | ||
| Q2 24 | $5.9M | $1.7M | ||
| Q1 24 | $3.2M | $1.6M |
| Q4 25 | $-87.0K | $-547.1K | ||
| Q3 25 | $390.0K | $-700.7K | ||
| Q2 25 | $-545.0K | $-534.4K | ||
| Q1 25 | $-603.0K | $-806.4K | ||
| Q4 24 | $-1.4M | $-323.8K | ||
| Q3 24 | $44.0K | $-335.6K | ||
| Q2 24 | $2.0M | $-629.0K | ||
| Q1 24 | $-1.2M | $-477.8K |
| Q4 25 | — | 50.0% | ||
| Q3 25 | — | 64.6% | ||
| Q2 25 | — | 61.6% | ||
| Q1 25 | — | 60.7% | ||
| Q4 24 | — | 53.6% | ||
| Q3 24 | — | 59.9% | ||
| Q2 24 | — | 56.5% | ||
| Q1 24 | — | 63.3% |
| Q4 25 | -3.1% | -59.1% | ||
| Q3 25 | -5.2% | -9.8% | ||
| Q2 25 | -13.7% | -16.1% | ||
| Q1 25 | -17.9% | -27.9% | ||
| Q4 24 | -23.5% | -43.9% | ||
| Q3 24 | -17.8% | -16.5% | ||
| Q2 24 | 35.6% | -35.1% | ||
| Q1 24 | -24.8% | -28.7% |
| Q4 25 | -2.4% | -27.0% | ||
| Q3 25 | 9.8% | -25.6% | ||
| Q2 25 | -14.1% | -17.0% | ||
| Q1 25 | -17.1% | -28.7% | ||
| Q4 24 | -46.9% | -12.8% | ||
| Q3 24 | 1.3% | -16.7% | ||
| Q2 24 | 33.9% | -36.4% | ||
| Q1 24 | -36.1% | -30.1% |
| Q4 25 | $-0.04 | $-0.37 | ||
| Q3 25 | $0.08 | $-0.16 | ||
| Q2 25 | $-0.13 | $0.13 | ||
| Q1 25 | $-0.14 | $-0.18 | ||
| Q4 24 | $-0.31 | $-0.36 | ||
| Q3 24 | $0.01 | $-0.08 | ||
| Q2 24 | $0.42 | $0.14 | ||
| Q1 24 | $-0.24 | $-0.11 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $63.5M | $2.5M |
| Total Assets | $599.3M | $11.4M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $529.8K |
| Q4 25 | $63.5M | $2.5M | ||
| Q3 25 | $63.2M | $2.2M | ||
| Q2 25 | $60.8M | $3.1M | ||
| Q1 25 | $61.2M | $3.6M | ||
| Q4 24 | $62.0M | $3.3M | ||
| Q3 24 | $65.8M | $3.9M | ||
| Q2 24 | $64.5M | $4.5M | ||
| Q1 24 | $64.7M | $5.2M |
| Q4 25 | $599.3M | $11.4M | ||
| Q3 25 | $609.6M | $8.3M | ||
| Q2 25 | $604.8M | $8.8M | ||
| Q1 25 | $592.6M | $9.4M | ||
| Q4 24 | $580.8M | $9.6M | ||
| Q3 24 | $601.8M | $8.6M | ||
| Q2 24 | $601.7M | $8.9M | ||
| Q1 24 | $576.5M | $8.7M |
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 | $-397.3K |
| 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 | $-397.3K | ||
| Q3 25 | $661.0K | $34.2K | ||
| Q2 25 | $-151.0K | $-430.1K | ||
| Q1 25 | $573.0K | $-145.0K | ||
| Q4 24 | $-2.9M | $-471.6K | ||
| Q3 24 | $289.0K | $67.0K | ||
| Q2 24 | $-1.4M | $-332.7K | ||
| Q1 24 | $-70.0K | $-431.0K |
| 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% | — | ||
| Q2 24 | 2.8% | — | ||
| Q1 24 | 0.3% | — |
| Q4 25 | — | — | ||
| Q3 25 | 1.69× | — | ||
| 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.
Revenue Breakdown by Segment
FSEA
Segment breakdown not available.
ONFO
| B Two B | $1.6M | 81% |
| B Two C | $243.0K | 12% |
| Other | $138.6K | 7% |
