First US Bancshares (FUSB) AI Stock Analysis

• Market Cap: $76.85M
• Dividend Yield: 1.65%
• Average Volume (3M): 5.65K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 0.73
• Revenue Growth: 9.82%
• EPS Growth: -2.46%
• Country: US
• Employees: 151
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 1.33
• Shares Outstanding: 5,752,262
• 10 Day Avg. Volume: 6,311
• 30 Day Avg. Volume: 5,652
• PEG Ratio: 1.69
• Price to Book (P/B): N/A
• Price to Sales (P/S): 1.99
• Price to Cash Flow (P/CF): 7.90
• P/FCF Ratio: 2.90
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

First US Bancshares demonstrates strong financial stability with growth in revenue and robust technical indicators. While the low P/E ratio suggests undervaluation, declining cash flow remains a concern. Strategic corporate initiatives bolster future growth prospects, contributing to an overall positive outlook.

First US Bancshares Business Overview & Revenue Model

Company Description

First US Bancshares, Inc. operates as the bank holding company for First US Bank that provides commercial banking products and services. The company offers non-interest-bearing demand deposits, savings accounts, NOW accounts, money market demand accounts, individual retirement accounts, and time deposits. Its loan products include commercial construction, land, and land development loans comprising residential housing, commercial and industrial use property development loans, raw land purchase and improvement loans, and agricultural production loans; mortgage loans on residential properties and apartment buildings; real estate loans secured by commercial and industrial properties, office or mixed-use facilities, strip shopping centers, or other commercial property; loans and leases to commercial customers; and secured and unsecured personal loans, including automobile loans and other direct consumer installment loans. The company also provides loans secured by personal property items, such as furniture, ATVs, and home appliances, as well as recreational vehicles, boats, and cargo trailers. In addition, it provides letters of credit; and safe deposit box and remote deposit capture services, as well as underwrites credit life, and credit accident and health insurance reinsurance policies. The company serves small-and medium-sized businesses, property managers, business executives, professionals, and other individuals. It operates 15 full-service banking offices in Birmingham, Butler, Calera, Centreville, Gilbertown, Grove Hill, Harpersville, Jackson, Thomasville, Tuscaloosa, and Woodstock, Alabama; Knoxville and Powell, Tennessee; and Rose Hill, Virginia, as well as loan production offices in Mobile, Alabama, and the Chattanooga, Tennessee area. The company was formerly known as United Security Bancshares, Inc. and changed its name to First US Bancshares, Inc. in October 2016. First US Bancshares, Inc. was founded in 1952 and is headquartered in Birmingham, Alabama.

How the Company Makes Money

First US Bancshares makes money primarily through interest income and non-interest income. The interest income is generated from various loans such as commercial, real estate, and consumer loans, where the bank earns interest from borrowers. Non-interest income includes fees and service charges from deposit accounts, investment advisory fees, and other financial services-related charges. The bank also benefits from interest earned on securities and other investments. Key factors contributing to its earnings include effective interest rate management, maintaining a diversified loan portfolio, and strategic customer relationships in its local markets.

First US Bancshares Financial Statement Overview

Summary

First US Bancshares shows strong revenue growth and operational efficiency, but faces challenges with declining cash flow and net profit margins. The balance sheet is stable with low leverage, though cash flow constraints pose potential risks.

Income Statement

First US Bancshares has demonstrated strong revenue growth, with a significant increase in total revenue from previous years. The gross profit margin is stable, reflecting efficient cost management. However, the net profit margin shows room for improvement, indicating potential cost pressures or margin compression. The EBIT margin is robust, further reflecting operational efficiency.

Balance Sheet

The balance sheet reveals a solid equity position with a low debt-to-equity ratio, indicating financial stability and low leverage risk. Return on equity is commendable, showcasing good profitability relative to shareholders' equity. However, the equity ratio suggests a moderately leveraged position, which is typical for the banking industry.

Cash Flow

The cash flow statement indicates a decline in operating cash flow, which could be a concern if it continues. Free cash flow has decreased, affecting the company's ability to generate cash after capital expenditures. The operating cash flow to net income ratio is healthy, suggesting effective cash conversion from earnings.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
58.26M	40.71M	624.00K	40.49M	40.78M
	Gross Profit
58.26M	40.41M	624.00K	40.49M	40.78M
	EBIT
57.08M	11.25M	13.27M	5.73M	3.53M
	EBITDA
0.00	13.05M	10.89M	7.76M	0.00
	Net Income Common Stockholders
8.17M	8.48M	6.86M	4.45M	2.71M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
178.52M	148.55M	160.95M	192.13M	179.41M
	Total Assets
1.10B	1.07B	994.67M	958.30M	890.51M
	Total Debt
10.00M	20.80M	30.76M	20.70M	10.02M
	Net Debt
-633.00K	-29.48M	612.00K	-40.55M	-84.40M
	Total Liabilities
1.00B	982.35M	909.53M	868.24M	10.31M
	Stockholders Equity
98.62M	90.59M	85.14M	90.06M	86.68M
Cash Flow		Free Cash Flow
7.76M	11.60M	11.27M	9.00M	5.14M
	Operating Cash Flow
7.76M	13.07M	12.53M	9.82M	6.09M
	Investing Cash Flow
-30.35M	-60.45M	-80.20M	-108.31M	-66.06M
	Financing Cash Flow
19.52M	67.51M	36.58M	65.32M	97.35M

First US Bancshares Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 13.36
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FUSB, the sentiment is Neutral. The current price of 13.36 is below the 20-day moving average (MA) of 13.45, above the 50-day MA of 13.08, and above the 200-day MA of 11.70, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 50.27 is Neutral, neither overbought nor oversold. The STOCH value of 37.19 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FUSB.

First US Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BKSC	75 Outperform	$74.34M	10.93	13.58%	5.37%	10.54%	24.57%
FUSB	73 Outperform	$76.85M	10.01	8.64%	1.65%	9.82%	-2.46%
FCBC	73 Outperform	$697.70M	13.60	10.02%	3.20%	6.25%	5.16%
Sector *	63 Neutral	$14.20B	10.11	9.01%	4.34%	16.34%	-11.27%
UBOH	59 Neutral	$84.68M	8.83	9.70%	3.26%	13.06%	9.31%
FUNC	58 Neutral	$192.19M	9.44	12.06%	2.83%	16.56%	40.31%
FVCB	55 Neutral	$195.94M	12.92	6.66%	―	22.60%	284.38%

First US Bancshares Corporate Events

First US Bancshares Launches 2025 Cash Incentive Program

On February 10, 2025, First US Bancshares’ Compensation Committee announced the establishment of a 2025 Cash Incentive Program aimed at rewarding certain executive officers and key employees. This program ties cash bonuses to achieving specific financial performance targets, such as pre-tax income and return on assets, with potential adjustments based on extraordinary events or noncompliance with financial reporting standards. The program reflects the company’s strategic focus on financial performance and growth, with implications for motivating leadership and aligning their goals with shareholder interests.

Leadership Changes and Bylaw Amendments at First US Bancshares

On January 29, 2025, John C. Gordon resigned from the Board of Directors at First US Bancshares, effective January 31, 2025, after serving since 1997. His resignation was not due to any disagreements with the company. On the same day, the Board amended its Bylaws to allow a waiver of the mandatory retirement age of 75 for non-employee directors, which can be voted on annually.

First US Bancshares Highlights Growth and Strategy Goals

On December 31, 2024, First US Bancshares, Inc. presented an investor update highlighting its financial performance and strategic objectives. The company emphasized its commitment to growing earnings per share, return on assets, and return on equity through diversified loan and deposit growth. The presentation also outlined the company’s focus on maintaining a strong credit culture, optimizing its digital offerings, and exploring potential acquisitions to enter new growth markets. These initiatives are designed to enhance the company’s franchise value and adaptability in a competitive banking environment.