First US Bancshares (FUSB) AI Stock Analysis

• Market Cap: $72.07M
• Dividend Yield: 2.15%
• Average Volume (3M): 2.16K
• Price to Earnings (P/E): 9.8
• Beta (1Y): 0.34
• Revenue Growth: 5.04%
• EPS Growth: -6.92%
• Country: US
• Employees: 151
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.29
• Shares Outstanding: 5,738,352
• 10 Day Avg. Volume: 2,658
• 30 Day Avg. Volume: 2,161
• PEG Ratio: -2.21
• Price to Book (P/B): 0.73
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 9.76
• Enterprise Value/Market Cap: 1.01
• Enterprise Value/Revenue: 0.30
• Enterprise Value/Gross Profit: 1.90
• Enterprise Value/Ebitda: 1.44
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 74 Outperform
• Price Target: $14.00 ▲(11.46%Upside)

First US Bancshares shows strong financial performance and potential for growth through strategic initiatives. The valuation suggests the stock is undervalued, providing a good entry point for investors. Technical indicators are mixed but not discouraging.

First US Bancshares Business Overview & Revenue Model

Company Description

First US Bancshares, Inc. (FUSB) is a bank holding company that operates through its banking subsidiary, First US Bank. The company is headquartered in Birmingham, Alabama, and provides a wide range of financial services primarily in the southeastern United States. It focuses on offering consumer and commercial banking services, including checking and savings accounts, personal and business loans, and mortgage products. The bank also provides services like online banking, mobile banking, and treasury management solutions.

How the Company Makes Money

First US Bancshares generates revenue primarily through interest income from loans and investments. The company earns interest by lending to individuals and businesses and investing in various securities. A significant portion of its revenue comes from the interest margin, which is the difference between the interest it earns on loans and investments and the interest it pays on deposits. Additionally, FUSB makes money through non-interest income streams such as fees for banking services, including account maintenance and transaction fees, as well as charges for services like wire transfers and ATM usage. The bank's earnings are also bolstered by its efforts to manage operating costs effectively, optimize its loan portfolio, and maintain strong customer relationships, which help in sustaining its revenue growth.

First US Bancshares Financial Statement Overview

Summary

First US Bancshares exhibits solid financial health with consistent revenue growth and profitability. The balance sheet reflects a stable financial position with low leverage, while cash flows demonstrate effective cash management. Despite some challenges in net income growth, the company maintains a strong financial foundation.

Income Statement

The company has demonstrated solid revenue growth, with a TTM revenue increase from the previous year. Gross profit and net profit margins remain strong, showcasing consistent profitability. However, there was a slight decline in net income, indicating potential cost pressures or market challenges. EBIT and EBITDA margins have held steady, reflecting operational efficiency.

Balance Sheet

The balance sheet shows a healthy equity position with a consistent increase in stockholders' equity over the years. The debt-to-equity ratio is low, indicating conservative leverage and financial stability. However, the equity ratio is moderate, suggesting room for improvement in asset utilization. Overall, the company maintains a strong financial base.

Cash Flow

The cash flow analysis reveals a positive free cash flow trend, supported by consistent operating cash flows. The free cash flow to net income ratio is favorable, indicating effective cash generation relative to reported profits. However, fluctuations in investing and financing cash flows suggest potential volatility in cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	61.59M	61.84M	56.17M	44.35M	43.42M	45.06M
Gross Profit	38.45M	39.11M	40.40M	36.78M	38.46M	37.51M
EBITDA	12.04M	12.47M	13.05M	10.89M	7.76M	5.63M
Net Income	7.83M	8.17M	8.48M	6.86M	4.45M	2.71M
Balance Sheet
Total Assets	1.13B	1.10B	1.07B	994.67M	958.30M	890.51M
Cash, Cash Equivalents and Short-Term Investments	217.35M	71.10M	185.84M	160.95M	192.13M	179.41M
Total Debt	55.89M	20.87M	20.80M	30.70M	20.70M	10.02M
Total Liabilities	1.03B	1.00B	982.35M	909.53M	868.24M	803.83M
Stockholders Equity	101.23M	98.62M	90.59M	85.14M	90.06M	86.68M
Cash Flow
Free Cash Flow	7.49M	5.66M	11.60M	11.27M	9.00M	5.14M
Operating Cash Flow	8.69M	7.76M	13.07M	12.53M	9.82M	6.09M
Investing Cash Flow	-58.07M	-30.35M	-60.45M	-80.20M	-108.31M	-66.06M
Financing Cash Flow	45.17M	19.52M	67.51M	36.58M	65.32M	97.35M

First US Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.56
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FUSB, the sentiment is Positive. The current price of 12.56 is below the 20-day moving average (MA) of 12.76, below the 50-day MA of 12.70, and above the 200-day MA of 12.55, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 53.59 is Neutral, neither overbought nor oversold. The STOCH value of 48.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FUSB.

First US Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FUSB	74 Outperform	$72.07M	9.77	8.10%	2.15%	5.04%	-6.92%
UBCP	73 Outperform	$84.88M	11.88	11.29%	5.05%	5.81%	-22.37%
LSBK	73 Outperform	$90.35M	18.33	5.61%	4.47%	1.62%	21.82%
BOTJ	71 Outperform	$64.79M	9.82	10.25%	2.81%	12.23%	-25.92%
IROQ	70 Outperform	$81.38M	23.77	4.35%	1.63%	11.65%	67.39%
AUBN	70 Neutral	$84.34M	12.86	8.32%	4.47%	22.78%	722.30%
Sector *	69 Neutral	€21.81B	27.79	10.92%	4.76%	4.57%	1.35%

First US Bancshares Corporate Events

First US Bancshares Appoints New Accounting Officer

On May 21, 2025, First US Bancshares appointed Matthew A. Parker as the new principal accounting officer, succeeding Thomas S. Elley. Mr. Parker, who has been with the company since December 2021 as Director of Financial Reporting, brings extensive experience in financial management and reporting, which is expected to strengthen the company’s financial oversight.

First US Bancshares Highlights Strategic Growth Focus

On March 31, 2025, First US Bancshares presented an investor update highlighting its strategic focus on consistent growth in earnings per share, return on assets, and return on equity. The company aims to maintain a strong credit culture and expand its digital offerings to optimize its branch footprint. The presentation also emphasized the importance of maintaining a diversified balance sheet and exploring potential market growth in regions such as Alabama, Florida, and Georgia. The announcement underscores the company’s commitment to enhancing franchise value and adapting to changing market conditions, which could impact its operations and stakeholder interests.