First US Bancshares (FUSB) AI Stock Analysis

• Market Cap: $88.18M
• Dividend Yield: 2.08%
• Average Volume (3M): 3.31K
• Price to Earnings (P/E): 15.3
• Beta (1Y): 0.17
• Revenue Growth: 1.03%
• EPS Growth: -35.72%
• Country: US
• Employees: 151
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.36
• Shares Outstanding: 5,766,888
• 10 Day Avg. Volume: 1,622
• 30 Day Avg. Volume: 3,313
• PEG Ratio: -6.40
• Price to Book (P/B): 0.75
• Price to Sales (P/S): 1.19
• P/FCF Ratio: 13.01
• Enterprise Value/Market Cap: 1.01
• Enterprise Value/Revenue: 1.44
• Enterprise Value/Gross Profit: 2.48
• Enterprise Value/Ebitda: 9.85
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: $16.50 ▲(18.19% Upside)

The score is driven mainly by solid financial fundamentals (strong revenue growth, improving cash flow, and conservative leverage) tempered by recent profitability/ROE compression. Technicals add support with an established uptrend and positive momentum indicators. Valuation and dividend provide moderate support, while the corporate update is mildly positive but not a major near-term driver based on the information provided.

Positive Factors

Revenue Growth

The robust revenue growth indicates successful business expansion and market penetration, enhancing long-term financial stability and competitive positioning.

Strategic Growth Plans

The strategic focus on diversified growth and digital expansion positions the company for sustained profitability and market adaptation, enhancing its competitive edge.

Share Repurchase Program

The expanded share repurchase program reflects management's confidence in the company's long-term value and enhances shareholder returns, supporting stock price stability.

Negative Factors

Declining Margins

Declining margins suggest challenges in cost management and pricing power, potentially impacting long-term profitability despite revenue growth.

Increased Leverage

Higher leverage can strain financial flexibility and increase risk, especially if economic conditions worsen, affecting long-term financial health.

Pressure on Cash Flow

The decline in free cash flow could limit future investments and debt servicing capacity, posing a risk to long-term growth and financial stability.

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 generates revenue primarily through interest income earned on loans and securities, which constitutes a significant portion of its earnings. This includes interest from commercial loans, consumer loans, and real estate mortgages. Additionally, the bank earns non-interest income through fees associated with deposit accounts, transaction services, and other banking services. FUSB may also benefit from partnerships with other financial institutions or service providers that enhance its product offerings and customer reach. The company's performance can be influenced by factors such as interest rate changes, loan demand, and economic conditions affecting its customer base.

First US Bancshares Financial Statement Overview

Summary

Strong revenue growth and improving operating/free cash flow support the score, along with a relatively conservative balance sheet. Offsetting this, profitability and returns have cooled versus 2023–2024 (lower EBIT margin and ROE), indicating near-term earnings pressure.

Income Statement

Top-line momentum is strong in TTM (Trailing-Twelve-Months) with revenue up 36% versus 2024 (and solid growth in 2023), but profitability has softened: net income fell to $5.6M from $8.2M in 2024 and operating margins stepped down meaningfully (EBIT margin ~10.7% TTM vs ~17.4% in 2024). Net margin is still steady around ~13%, yet the multi-year trend shows peak profitability in 2023 followed by compression, suggesting earnings are currently more rate/cycle sensitive than the revenue line implies. Some older margin fields (2020–2022) look inconsistent, so the score leans more heavily on 2023–TTM trends.

Balance Sheet

The balance sheet looks conservatively positioned with modest debt relative to equity (about $30.9M debt vs $104.2M equity in TTM), and equity has generally grown over time. Returns on equity are positive but have cooled (about 5.8% TTM vs ~8.3% in 2024 and ~9.4% in 2023), aligning with the recent earnings pressure. Total assets have trended upward (to ~$1.15B TTM), supporting scale, though the decline in profitability is the key watch item rather than leverage.

Cash Flow

Cash generation is a bright spot: operating cash flow improved to $12.3M TTM (vs $7.8M in 2024) and free cash flow rose to $9.1M, with very strong reported free-cash-flow growth in TTM. Free cash flow covers a meaningful portion of earnings (about 74% of net income TTM; similar ~73% in 2024), indicating earnings are translating reasonably well into cash. The main weakness is variability year-to-year (e.g., weaker 2024 vs 2023), which is typical for financials but still adds volatility to the quality-of-cash-flow assessment.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	62.14M	61.84M	56.17M	44.35M	43.42M	45.06M
Gross Profit	36.07M	39.11M	40.40M	36.78M	38.46M	37.51M
EBITDA	9.09M	12.47M	13.05M	10.89M	7.76M	5.63M
Net Income	5.58M	8.17M	8.48M	6.86M	4.45M	2.71M
Balance Sheet
Total Assets	1.15B	1.10B	1.07B	994.67M	958.30M	890.51M
Cash, Cash Equivalents and Short-Term Investments	64.93M	71.10M	185.84M	160.95M	192.13M	179.41M
Total Debt	30.93M	20.87M	20.80M	30.70M	20.70M	10.02M
Total Liabilities	1.04B	1.00B	982.35M	909.53M	868.24M	803.83M
Stockholders Equity	104.24M	98.62M	90.59M	85.14M	90.06M	86.68M
Cash Flow
Free Cash Flow	9.11M	5.66M	11.60M	11.27M	9.00M	5.14M
Operating Cash Flow	12.33M	7.76M	13.07M	12.53M	9.82M	6.09M
Investing Cash Flow	-78.65M	-30.35M	-60.45M	-80.20M	-108.31M	-66.06M
Financing Cash Flow	38.71M	19.52M	67.51M	36.58M	65.32M	97.35M

First US Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.96
• 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 Positive. The current price of 13.96 is below the 20-day moving average (MA) of 15.21, below the 50-day MA of 14.36, and above the 200-day MA of 13.02, indicating a bullish trend. The MACD of 0.32 indicates Positive momentum. The RSI at 57.01 is Neutral, neither overbought nor oversold. The STOCH value of 66.67 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
BOTJ	73 Outperform	$94.37M	10.46	10.86%	2.18%	6.17%	-6.13%
FUSB	72 Outperform	$88.18M	15.29	5.50%	2.08%	1.03%	-35.72%
UBCP	69 Neutral	$83.96M	10.30	10.91%	6.51%	6.31%	-5.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BYFC	54 Neutral	$75.83M	-2.62	0.22%	―	2.54%	-174.74%
FNWB	46 Neutral	$96.23M	-20.80	-4.68%	2.88%	8.02%	21.36%
SSBI	45 Neutral	$90.27M	13.61	-1.41%	―	-0.81%	-129.22%

First US Bancshares Corporate Events

First US Bancshares Outlines Strategic Growth and Risk Focus

First US Bancshares released an investor presentation as of December 31, 2025 outlining its financial profile, leadership team and strategic priorities, highlighting modest scale with a price-to-tangible book value of 81% and a 2% dividend yield. Management detailed a strategy centered on growing earnings and returns through diversified loan and deposit growth, strict adherence to commercial lending fundamentals, a focus on higher-credit-score consumer lending, and disciplined expense control, while leveraging digital banking, expanding loan production offices, and selectively considering acquisitions to enter new growth markets, positioning the company for longer-term franchise value enhancement and balanced risk management.

The most recent analyst rating on (FUSB) stock is a Hold with a $14.50 price target. To see the full list of analyst forecasts on First US Bancshares stock, see the FUSB Stock Forecast page.