First US Bancshares Inc (FUSB)
NASDAQ:FUSB
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First US Bancshares
(NASDAQ:FUSB)
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Rating:72Outperform
Price Target:
$17.50
▲(25.36% Upside)
Action:Reiterated
Date:05/10/26
The score is driven primarily by solid financial positioning (revenue growth and significantly lower leverage) tempered by weaker recent profitability and some cash-flow conversion volatility. Valuation is supportive with a moderate P/E and a modest dividend yield, while technicals point to a steady-to-mildly positive trend without strong momentum. Corporate updates add incremental positives via governance stability and a growth-oriented strategy.
Positive Factors
Low leverage / conservative balance sheet
A materially lower debt-to-equity ratio reflects a de-risked capital structure that increases resilience to credit and rate shocks, preserves lending capacity, and provides flexibility to fund growth or absorb losses. This structural safety supports durable creditworthiness and strategic optionality.
Negative Factors
Margin and ROE compression
A sustained decline in margins and ROE erodes the bank's ability to convert revenue into shareholder returns and limits internal capital generation. If margins remain pressured by funding costs, loan mix shifts, or competitive deposit pricing, long-term profitability and capacity for reinvestment will be constrained.
Read all positive and negative factors
Positive Factors
Negative Factors
Low leverage / conservative balance sheet
A materially lower debt-to-equity ratio reflects a de-risked capital structure that increases resilience to credit and rate shocks, preserves lending capacity, and provides flexibility to fund growth or absorb losses. This structural safety supports durable creditworthiness and strategic optionality.
Read all positive factors
First US Bancshares (FUSB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$88.52M
Dividend Yield2.08%
Average Volume (3M)3.31K
Price to Earnings (P/E)11.3
Beta (1Y)0.12
Revenue Growth3.98%
EPS Growth-20.75%
CountryUS
Employees151
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.07
Shares Outstanding5,567,267
10 Day Avg. Volume1,622
30 Day Avg. Volume3,313
Financial Highlights & Ratios
PEG Ratio-0.51
Price to Book (P/B)0.77
Price to Sales (P/S)1.29
P/FCF Ratio8.95
Enterprise Value/Market Cap0.37
Enterprise Value/Revenue0.51
Enterprise Value/Gross Profit0.88
Enterprise Value/Ebitda3.53
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 a...
How the Company Makes Money
FUSB primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is the spread between interest earned on interest-earning assets (most notably loans to custome...
First US Bancshares Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
80
Positive
Cash Flow
68
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 63.88M | 62.99M | 61.84M | 56.17M | 44.35M | 43.42M |
| Gross Profit | 37.56M | 37.01M | 39.11M | 40.40M | 36.78M | 38.46M |
| EBITDA | 9.33M | 9.63M | 12.47M | 13.05M | 10.89M | 7.76M |
| Net Income | 6.17M | 5.99M | 8.17M | 8.48M | 6.86M | 4.45M |
Balance Sheet | ||||||
| Total Assets | 1.17B | 1.15B | 1.10B | 1.07B | 994.67M | 958.30M |
| Cash, Cash Equivalents and Short-Term Investments | 76.97M | 83.95M | 71.10M | 185.84M | 160.95M | 192.13M |
| Total Debt | 10.96M | 10.95M | 20.87M | 20.80M | 30.70M | 20.70M |
| Total Liabilities | 1.06B | 1.05B | 1.00B | 982.35M | 909.53M | 868.24M |
| Stockholders Equity | 104.63M | 105.65M | 98.62M | 90.59M | 85.14M | 90.06M |
Cash Flow | ||||||
| Free Cash Flow | 8.93M | 9.08M | 5.66M | 11.60M | 11.27M | 9.00M |
| Operating Cash Flow | 14.67M | 12.32M | 7.76M | 13.07M | 12.53M | 9.82M |
| Investing Cash Flow | -31.09M | -28.12M | -30.35M | -60.45M | -80.20M | -108.31M |
| Financing Cash Flow | 26.96M | 42.13M | 19.52M | 67.51M | 36.58M | 65.32M |
First US Bancshares Technical Analysis
Neutral
13.96
Price Trends
15.69
Positive
15.19
Positive
13.91
Positive
Market Momentum
0.06
Positive
49.93
Neutral
35.56
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 13.96 is below the 20-day moving average (MA) of 16.02, below the 50-day MA of 15.69, and above the 200-day MA of 13.91, indicating a neutral trend. The MACD of 0.06 indicates Positive momentum. The RSI at 49.93 is Neutral, neither overbought nor oversold. The STOCH value of 35.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FUSB.
First US Bancshares Risk Analysis
First US Bancshares disclosed 37 risk factors in its most recent earnings report. First US Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
First US Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $103.36M | 8.43 | 14.13% | 2.18% | 5.49% | 66.01% | |
72 Outperform | $88.52M | 11.25 | 5.92% | 2.08% | 3.98% | -20.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $90.53M | 13.45 | 5.95% | ― | -5.51% | ― | |
63 Neutral | $84.23M | 10.94 | 11.80% | 6.51% | 7.19% | 9.14% | |
54 Neutral | $89.91M | 10.02 | -7.66% | ― | 2.16% | -1083.24% | |
48 Neutral | $91.19M | 3,217.02 | 3.14% | 2.88% | -3.63% | ― |
* Financial Sector Average
FUSB
First US Bancshares
15.90
3.11
24.35%
BOTJ
Bank Of The Jame Financial
22.75
8.84
63.56%
BYFC
Broadway Financial
9.69
3.53
57.31%
SSBI
Summit State Bank
13.56
3.77
38.51%
UBCP
United Bancorp
14.57
1.80
14.08%
FNWB
First Northwest Bancorp
9.60
0.34
3.67%
First US Bancshares Corporate Events
Executive/Board ChangesShareholder Meetings
First US Bancshares Shareholders Back Board and Governance
Positive
May 4, 2026
First US Bancshares, Inc. reported the results of its 2026 Annual Meeting of Shareholders held on April 30, 2026, where investors elected all nominated directors to serve for the ensuing year, signaling continued support for the current board. The...
Business Operations and Strategy
First US Bancshares Outlines Growth-Focused Strategic Plan
Positive
Apr 29, 2026
First US Bancshares, Inc., a Birmingham, Alabama-based community banking company operating First US Bank, serves its markets through 15 branches and two loan production offices and emphasizes diversified commercial and consumer lending. As of Marc...
Business Operations and StrategyExecutive/Board Changes
First US Bancshares Adopts 2026 Executive Incentive Program
Neutral
Feb 12, 2026
On February 9, 2026, First US Bancshares’ Compensation Committee approved a 2026 cash incentive program for certain executives and key employees, tying annual cash bonuses to financial and operational performance for the year ending December...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.