First US Bancshares (FUSB) AI Stock Analysis

• Market Cap: $74.48M
• Dividend Yield: 2.01%
• Average Volume (3M): 2.08K
• Price to Earnings (P/E): 10.1
• Beta (1Y): 0.34
• Revenue Growth: 5.04%
• EPS Growth: -6.92%
• Country: US
• Employees: 151
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.29
• Shares Outstanding: 5,738,352
• 10 Day Avg. Volume: 1,914
• 30 Day Avg. Volume: 2,079
• PEG Ratio: -2.23
• Price to Book (P/B): 0.74
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 9.89
• Enterprise Value/Market Cap: 0.98
• Enterprise Value/Revenue: 0.30
• Enterprise Value/Gross Profit: 1.89
• Enterprise Value/Ebitda: 1.43
• 1Y Price Target: $15.00
• Price Target Upside: 14.33% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 79 Outperform
• Price Target: $15.00 ▲(14.33%Upside)

First US Bancshares demonstrates strong financial performance with solid revenue growth and low leverage. The technical indicators are favorable with positive momentum, supported by a strategic focus on growth and digital expansion. The stock's undervaluation and reasonable dividend yield further enhance its attractiveness.

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 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	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: Positive
• Last Price: 13.12
• 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 13.12 is above the 20-day moving average (MA) of 12.89, above the 50-day MA of 12.81, and above the 200-day MA of 12.68, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 54.23 is Neutral, neither overbought nor oversold. The STOCH value of 69.14 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	79 Outperform	$74.48M	10.09	8.10%	2.01%	5.04%	-6.92%
LSBK	73 Outperform	$93.26M	16.08	6.43%	4.37%	1.49%	33.52%
BOTJ	73 Outperform	$63.15M	9.57	10.25%	2.91%	12.23%	-25.92%
UBCP	73 Outperform	$81.46M	11.40	11.29%	6.25%	5.81%	-22.37%
AUBN	70 Neutral	$99.01M	14.44	8.25%	3.82%	22.78%	722.30%
IROQ	68 Neutral	$83.12M	24.28	4.35%	1.66%	11.65%	67.39%
Sector *	61 Neutral	C$15.12B	6.81	23.28%	5.39%	33.61%	-23.38%

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.