vs
Side-by-side financial comparison of First Seacoast Bancorp, Inc. (FSEA) and Belpointe PREP, LLC (OZ). 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 $3.1M, roughly 1.3× Belpointe PREP, LLC). First Seacoast Bancorp, Inc. runs the higher net margin — -2.4% vs -380.8%, a 378.4% gap on every dollar of revenue. On growth, Belpointe PREP, LLC posted the faster year-over-year revenue change (180.1% vs 20.6%). Over the past eight quarters, Belpointe PREP, LLC's revenue compounded faster (201.5% 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.
FSEA vs OZ — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $4.0M | $3.1M |
| Net Profit | $-87.0K | $-11.7M |
| Gross Margin | — | — |
| Operating Margin | -3.1% | — |
| Net Margin | -2.4% | -380.8% |
| Revenue YoY | 20.6% | 180.1% |
| Net Profit YoY | 93.8% | -41.8% |
| EPS (diluted) | $-0.04 | $-3.10 |
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 | $3.1M | ||
| Q3 25 | $4.0M | $2.4M | ||
| Q2 25 | $3.9M | $2.0M | ||
| Q1 25 | $3.5M | $1.7M | ||
| Q4 24 | $3.4M | $1.1M | ||
| Q3 24 | $3.3M | $860.0K | ||
| Q2 24 | $5.9M | $384.0K | ||
| Q1 24 | $3.2M | $337.0K |
| Q4 25 | $-87.0K | $-11.7M | ||
| Q3 25 | $390.0K | $-12.1M | ||
| Q2 25 | $-545.0K | $-7.6M | ||
| Q1 25 | $-603.0K | $-8.6M | ||
| Q4 24 | $-1.4M | $-8.2M | ||
| Q3 24 | $44.0K | $-6.9M | ||
| Q2 24 | $2.0M | $-4.7M | ||
| Q1 24 | $-1.2M | $-4.0M |
| Q4 25 | -3.1% | — | ||
| Q3 25 | -5.2% | — | ||
| Q2 25 | -13.7% | — | ||
| Q1 25 | -17.9% | — | ||
| Q4 24 | -23.5% | — | ||
| Q3 24 | -17.8% | — | ||
| Q2 24 | 35.6% | — | ||
| Q1 24 | -24.8% | — |
| Q4 25 | -2.4% | -380.8% | ||
| Q3 25 | 9.8% | -509.3% | ||
| Q2 25 | -14.1% | -381.0% | ||
| Q1 25 | -17.1% | -495.6% | ||
| Q4 24 | -46.9% | -752.0% | ||
| Q3 24 | 1.3% | -805.6% | ||
| Q2 24 | 33.9% | -1229.2% | ||
| Q1 24 | -36.1% | -1181.3% |
| Q4 25 | $-0.04 | $-3.10 | ||
| Q3 25 | $0.08 | $-3.21 | ||
| Q2 25 | $-0.13 | $-2.06 | ||
| Q1 25 | $-0.14 | $-2.35 | ||
| Q4 24 | $-0.31 | $-2.26 | ||
| Q3 24 | $0.01 | $-1.90 | ||
| Q2 24 | $0.42 | $-1.30 | ||
| Q1 24 | $-0.24 | $-1.10 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $24.3M |
| Total DebtLower is stronger | — | $260.6M |
| Stockholders' EquityBook value | $63.5M | — |
| Total Assets | $599.3M | $564.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $24.3M | ||
| Q3 25 | — | $29.6M | ||
| Q2 25 | — | $25.0M | ||
| Q1 25 | — | $23.0M | ||
| Q4 24 | — | $24.7M | ||
| Q3 24 | — | $24.0M | ||
| Q2 24 | — | $24.7M | ||
| Q1 24 | — | $29.2M |
| Q4 25 | — | $260.6M | ||
| Q3 25 | — | $251.4M | ||
| Q2 25 | — | $228.4M | ||
| Q1 25 | — | $203.3M | ||
| Q4 24 | — | $177.0M | ||
| Q3 24 | — | $144.1M | ||
| Q2 24 | — | $119.9M | ||
| Q1 24 | — | $86.9M |
| Q4 25 | $63.5M | — | ||
| Q3 25 | $63.2M | — | ||
| Q2 25 | $60.8M | — | ||
| Q1 25 | $61.2M | — | ||
| Q4 24 | $62.0M | — | ||
| Q3 24 | $65.8M | — | ||
| Q2 24 | $64.5M | — | ||
| Q1 24 | $64.7M | — |
| Q4 25 | $599.3M | $564.2M | ||
| Q3 25 | $609.6M | $570.8M | ||
| Q2 25 | $604.8M | $556.8M | ||
| Q1 25 | $592.6M | $537.4M | ||
| Q4 24 | $580.8M | $517.6M | ||
| Q3 24 | $601.8M | $495.7M | ||
| Q2 24 | $601.7M | $476.2M | ||
| Q1 24 | $576.5M | $450.9M |
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 | $-25.2M |
| 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 | $-25.2M | ||
| Q3 25 | $661.0K | $-6.0M | ||
| Q2 25 | $-151.0K | $-2.4M | ||
| Q1 25 | $573.0K | $-6.6M | ||
| Q4 24 | $-2.9M | $-13.7M | ||
| Q3 24 | $289.0K | $-3.3M | ||
| Q2 24 | $-1.4M | $1.2M | ||
| Q1 24 | $-70.0K | $-6.6M |
| 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.
