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Side-by-side financial comparison of First Seacoast Bancorp, Inc. (FSEA) and Instil Bio, Inc. (TIL). 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 $2.2M, roughly 1.8× Instil Bio, Inc.). First Seacoast Bancorp, Inc. runs the higher net margin — -2.4% vs -365.3%, a 362.9% gap on every dollar of revenue. On growth, First Seacoast Bancorp, Inc. posted the faster year-over-year revenue change (20.6% vs -19.2%).
Sterling Bancorp was an American regional bank holding company that owned Sterling National Bank. It merged into Webster Bank in February 2022.
Instil Bio Inc. is a clinical-stage biotechnology company focused on developing innovative tumor-infiltrating lymphocyte (TIL) therapies for patients with difficult-to-treat advanced solid tumors. It operates in the immuno-oncology segment, serving patient populations that show limited response to existing standard cancer treatment options.
FSEA vs TIL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $4.0M | $2.2M |
| Net Profit | $-87.0K | $-8.2M |
| Gross Margin | — | — |
| Operating Margin | -3.1% | -426.3% |
| Net Margin | -2.4% | -365.3% |
| Revenue YoY | 20.6% | -19.2% |
| Net Profit YoY | 93.8% | 31.1% |
| EPS (diluted) | $-0.04 | $-1.13 |
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 | $2.2M | ||
| Q3 25 | $4.0M | $2.2M | ||
| Q2 25 | $3.9M | $2.2M | ||
| Q1 25 | $3.5M | $2.2M | ||
| Q4 24 | $3.4M | $2.8M | ||
| Q3 24 | $3.3M | $1.5M | ||
| Q2 24 | $5.9M | $0 | ||
| Q1 24 | $3.2M | $0 |
| Q4 25 | $-87.0K | $-8.2M | ||
| Q3 25 | $390.0K | $-13.6M | ||
| Q2 25 | $-545.0K | $-21.4M | ||
| Q1 25 | $-603.0K | $-28.2M | ||
| Q4 24 | $-1.4M | $-11.9M | ||
| Q3 24 | $44.0K | $-23.0M | ||
| Q2 24 | $2.0M | $-14.9M | ||
| Q1 24 | $-1.2M | $-24.3M |
| Q4 25 | -3.1% | -426.3% | ||
| Q3 25 | -5.2% | -670.0% | ||
| Q2 25 | -13.7% | -1045.5% | ||
| Q1 25 | -17.9% | -1363.2% | ||
| Q4 24 | -23.5% | -426.1% | ||
| Q3 24 | -17.8% | -1582.8% | ||
| Q2 24 | 35.6% | — | ||
| Q1 24 | -24.8% | — |
| Q4 25 | -2.4% | -365.3% | ||
| Q3 25 | 9.8% | -606.0% | ||
| Q2 25 | -14.1% | -954.2% | ||
| Q1 25 | -17.1% | -1257.8% | ||
| Q4 24 | -46.9% | -428.8% | ||
| Q3 24 | 1.3% | -1541.9% | ||
| Q2 24 | 33.9% | — | ||
| Q1 24 | -36.1% | — |
| Q4 25 | $-0.04 | $-1.13 | ||
| Q3 25 | $0.08 | $-2.01 | ||
| Q2 25 | $-0.13 | $-3.24 | ||
| Q1 25 | $-0.14 | $-4.32 | ||
| Q4 24 | $-0.31 | $-1.82 | ||
| Q3 24 | $0.01 | $-3.54 | ||
| Q2 24 | $0.42 | $-2.29 | ||
| Q1 24 | $-0.24 | $-3.74 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $6.6M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $63.5M | $113.9M |
| Total Assets | $599.3M | $203.5M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $6.6M | ||
| Q3 25 | — | $5.8M | ||
| Q2 25 | — | $7.7M | ||
| Q1 25 | — | $15.4M | ||
| Q4 24 | — | $8.8M | ||
| Q3 24 | — | $6.7M | ||
| Q2 24 | — | $6.8M | ||
| Q1 24 | — | $5.5M |
| Q4 25 | $63.5M | $113.9M | ||
| Q3 25 | $63.2M | $120.4M | ||
| Q2 25 | $60.8M | $131.7M | ||
| Q1 25 | $61.2M | $144.9M | ||
| Q4 24 | $62.0M | $169.4M | ||
| Q3 24 | $65.8M | $176.3M | ||
| Q2 24 | $64.5M | $195.0M | ||
| Q1 24 | $64.7M | $205.8M |
| Q4 25 | $599.3M | $203.5M | ||
| Q3 25 | $609.6M | $211.8M | ||
| Q2 25 | $604.8M | $231.0M | ||
| Q1 25 | $592.6M | $237.4M | ||
| Q4 24 | $580.8M | $263.6M | ||
| Q3 24 | $601.8M | $272.6M | ||
| Q2 24 | $601.7M | $294.3M | ||
| Q1 24 | $576.5M | $306.3M |
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 | $-7.1M |
| 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 | $-7.1M | ||
| Q3 25 | $661.0K | $-10.6M | ||
| Q2 25 | $-151.0K | $-14.8M | ||
| Q1 25 | $573.0K | $-4.2M | ||
| Q4 24 | $-2.9M | $-10.6M | ||
| Q3 24 | $289.0K | $-20.1M | ||
| Q2 24 | $-1.4M | $-10.6M | ||
| Q1 24 | $-70.0K | $-14.4M |
| 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% | 0.0% | ||
| Q3 24 | 0.7% | 0.0% | ||
| 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.
