First US Bancshares (FUSB) AI Stock Analysis

• Market Cap: $87.46M
• Dividend Yield: 2.08%
• Average Volume (3M): 3.31K
• Price to Earnings (P/E): 13.6
• Beta (1Y): 0.14
• 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: 5,650,157
• 10 Day Avg. Volume: 1,622
• 30 Day Avg. Volume: 3,313
• PEG Ratio: -0.51
• Price to Book (P/B): 0.77
• Price to Sales (P/S): 1.29
• P/FCF Ratio: 8.95
• Enterprise Value/Market Cap: 1.04
• Enterprise Value/Revenue: 1.44
• Enterprise Value/Gross Profit: 2.45
• Enterprise Value/Ebitda: 9.43
• 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: 65 Neutral
• Price Target: $16.00 ▲(14.61% Upside)
• Action: Downgraded Date: 03/13/26
• Date: Action: Downgraded 03/13/26

The score is primarily supported by a well-capitalized, de-risked balance sheet and solid multi-year revenue expansion, but tempered by recent profitability/ROE compression and less consistent cash-flow quality. Technical signals are neutral and valuation appears reasonable, while the corporate update is mildly supportive but not a fundamental catalyst by itself.

Positive Factors

Strong capitalization / declining leverage

A materially lower debt-to-equity ratio and steady equity growth meaningfully reduce financial and regulatory risk. This stronger capital base supports lending capacity, loss absorption, and selective expansion without immediate funding stress, underpinning durable franchise resilience.

Negative Factors

Profitability & margin compression

Significant margin and profitability deterioration reduces return on capital and limits retained earnings growth. Lower margins weaken the bank's ability to generate internal capital, compress ROE, and constrain long-term ability to fund growth or maintain dividends without restoring operating performance.

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...

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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

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 mortgage...

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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 mortgage...

First US Bancshares Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	62.99M	61.84M	56.17M	44.35M	43.42M
Gross Profit	37.01M	39.11M	40.40M	36.78M	38.46M
EBITDA	9.63M	12.47M	13.05M	10.89M	7.76M
Net Income	5.99M	8.17M	8.48M	6.86M	4.45M
Balance Sheet
Total Assets	1.15B	1.10B	1.07B	994.67M	958.30M
Cash, Cash Equivalents and Short-Term Investments	177.48M	71.10M	185.84M	160.95M	192.13M
Total Debt	10.95M	20.87M	20.80M	30.70M	20.70M
Total Liabilities	1.05B	1.00B	982.35M	909.53M	868.24M
Stockholders Equity	105.65M	98.62M	90.59M	85.14M	90.06M
Cash Flow
Free Cash Flow	9.08M	5.66M	11.60M	11.27M	9.00M
Operating Cash Flow	12.32M	7.76M	13.07M	12.53M	9.82M
Investing Cash Flow	-28.12M	-30.35M	-60.45M	-80.20M	-108.31M
Financing Cash Flow	42.13M	19.52M	67.51M	36.58M	65.32M

First US Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.96
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 15.14, below the 50-day MA of 15.11, and above the 200-day MA of 13.37, indicating a bullish trend. The MACD of 0.14 indicates Negative momentum. The RSI at 58.01 is Neutral, neither overbought nor oversold. The STOCH value of 89.49 is Negative, 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	78 Outperform	$96.73M	9.36	12.15%	2.18%	6.17%	-6.13%
SSBI	68 Neutral	$91.80M	11.51	6.89%	―	-0.81%	-129.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UBCP	66 Neutral	$88.43M	10.17	12.01%	6.51%	6.31%	-5.00%
FUSB	65 Neutral	$87.46M	13.56	5.80%	2.08%	1.03%	-35.72%
FNWB	46 Neutral	$90.73M	-21.37	-2.76%	2.88%	8.02%	21.36%
BYFC	44 Neutral	$70.29M	-2.57	-8.97%	―	2.54%	-174.74%

First US Bancshares Corporate Events