First US Bancshares (FUSB) AI Stock Analysis

• Market Cap: $67.68M
• Dividend Yield: 2.17%
• Average Volume (3M): 2.05K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 0.32
• Revenue Growth: 2.84%
• EPS Growth: -31.20%
• Country: US
• Employees: 151
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.03
• Shares Outstanding: 5,759,659
• 10 Day Avg. Volume: 2,389
• 30 Day Avg. Volume: 2,050
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.72
• Enterprise Value/Revenue: 1.89
• Enterprise Value/Gross Profit: 3.03
• Enterprise Value/Ebitda: 9.67
• 1Y Price Target: $14.00
• Price Target Upside: 15.61% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 69 Neutral
• Price Target: $14.00 ▲(15.61% Upside)

First US Bancshares shows strong financial performance with solid revenue growth and a stable balance sheet. The technical analysis indicates a neutral momentum, while the valuation suggests the stock is reasonably priced. The strategic growth focus is promising, although not factored into the weighted score due to the exclusion of earnings call data.

First US Bancshares Business Overview & Revenue Model

Company Description

First US Bancshares (FUSB) is a financial holding company headquartered in the United States, primarily engaged in providing a range of banking services through its wholly-owned bank subsidiary. The company operates in the banking sector, focusing on commercial banking, which includes lending and deposit services, as well as other financial products aimed at individual and corporate clients. FUSB offers a variety of services including personal and business loans, mortgages, and investment services, catering to the financial needs of its customers while promoting economic growth in the communities it serves.

How the Company Makes Money

First US Bancshares generates revenue primarily through interest income earned on loans and investments, which constitutes a significant portion of its overall earnings. The bank provides various loan products, including commercial, residential, and consumer loans, charging interest to borrowers over the term of the loans. Additionally, FUSB earns non-interest income through service fees, transaction fees, and other banking services such as wealth management and financial advisory services. Key revenue streams include net interest income, service charges on deposit accounts, and fees from ancillary services. The company may also engage in partnerships with other financial institutions or businesses to expand its service offerings or enhance its product distribution, further contributing to its revenue generation efforts.

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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	61.84M	56.17M	44.35M	43.42M	45.06M
Gross Profit	39.11M	40.40M	36.78M	38.46M	37.51M
EBITDA	12.47M	13.05M	10.89M	7.76M	5.63M
Net Income	8.17M	8.48M	6.86M	4.45M	2.71M
Balance Sheet
Total Assets	1.10B	1.07B	994.67M	958.30M	890.51M
Cash, Cash Equivalents and Short-Term Investments	71.10M	185.84M	160.95M	192.13M	179.41M
Total Debt	20.87M	20.80M	30.70M	20.70M	10.02M
Total Liabilities	1.00B	982.35M	909.53M	868.24M	803.83M
Stockholders Equity	98.62M	90.59M	85.14M	90.06M	86.68M
Cash Flow
Free Cash Flow	5.66M	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: Negative
• Last Price: 12.11
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FUSB, the sentiment is Negative. The current price of 12.11 is below the 20-day moving average (MA) of 12.91, below the 50-day MA of 12.82, and below the 200-day MA of 12.79, indicating a bearish trend. The MACD of -0.16 indicates Positive momentum. The RSI at 32.46 is Neutral, neither overbought nor oversold. The STOCH value of 18.13 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FUSB.

First US Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	75 Outperform	$64.45M	9.01	10.73%	2.82%	9.06%	-16.04%
LSBK	73 Outperform	$98.11M	16.92	6.43%	2.81%	1.49%	33.52%
UBCP	73 Outperform	$82.22M	11.02	11.79%	6.34%	5.73%	-12.88%
AUBN	70 Neutral	$90.77M	13.64	8.25%	4.17%	27.65%	996.66%
FUSB	69 Neutral	$67.68M	12.13	5.99%	2.17%	2.84%	-31.20%
IROQ	69 Neutral	$84.46M	24.67	4.35%	1.59%	11.65%	67.39%
Sector *	68 Neutral	$17.53B	11.78	10.43%	3.83%	9.94%	1.31%

First US Bancshares Corporate Events

First US Bancshares Highlights Strategic Growth Focus

First US Bancshares, Inc. presented an investor update as of June 30, 2025, highlighting its strategic focus on growing earnings per share, return on assets, and return on equity. The company aims to maintain a diversified balance sheet with consistent loan and deposit growth, while managing expenses and adhering to strong credit fundamentals. The presentation also noted the company’s efforts to expand its digital offerings and consider acquisitions for entering new growth markets, which could impact its operational efficiency and market positioning.

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.