First US Bancshares (FUSB) AI Stock Analysis

• Market Cap: $76.01M
• Dividend Yield: 2.08%
• Average Volume (3M): 3.31K
• Price to Earnings (P/E): 14.2
• Beta (1Y): 0.19
• Revenue Growth: 1.03%
• EPS Growth: -35.72%
• Country: US
• Employees: 151
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.32
• 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: 1.53
• Enterprise Value/Revenue: 1.88
• Enterprise Value/Gross Profit: 3.23
• Enterprise Value/Ebitda: 12.28
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: $15.50 ▲(15.24% Upside)

First US Bancshares shows strong revenue growth and positive technical indicators, suggesting a favorable outlook. However, declining margins and increased leverage present risks that need careful management. The stock's reasonable valuation and dividend yield further support its investment appeal.

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 (FUSB) is a financial institution primarily engaged in providing a wide range of banking services through its subsidiary, First US Bank. The bank operates in various sectors including commercial and retail banking, offering services such as checking and savings accounts, loans, mortgages, and credit cards. With a focus on meeting the needs of individuals, businesses, and communities, FUSB serves a diverse clientele across its geographical footprint.

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

First US Bancshares demonstrates strong revenue growth, but declining margins and increased leverage pose potential risks. While the balance sheet remains solid, cash flow metrics indicate some pressure on liquidity. Overall, the company is expanding but needs to manage profitability and leverage carefully.

Income Statement

First US Bancshares has shown strong revenue growth with a TTM increase of 52.3%, indicating robust business expansion. However, margins have declined compared to previous years, with the TTM gross profit margin at 58.2% and net profit margin at 9.5%. This suggests some pressure on profitability despite revenue growth.

Balance Sheet

The company's debt-to-equity ratio has increased to 0.45 in the TTM, reflecting higher leverage, which could pose risks if not managed carefully. Return on equity has decreased to 5.9%, indicating reduced efficiency in generating profits from equity. However, the equity ratio remains strong at 8.9%, suggesting a solid capital base.

Cash Flow

Free cash flow has declined by 9.3% in the TTM, which could impact future investments and debt servicing. The operating cash flow to net income ratio is 0.29, indicating moderate cash generation relative to net income. The free cash flow to net income ratio is 0.68, showing a reasonable conversion of earnings to cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	61.92M	61.84M	56.17M	44.35M	43.42M	45.06M
Gross Profit	36.05M	39.11M	40.40M	36.78M	38.46M	37.51M
EBITDA	9.48M	12.47M	13.05M	10.89M	7.76M	5.63M
Net Income	5.86M	8.17M	8.48M	6.86M	4.45M	2.71M
Balance Sheet
Total Assets	1.14B	1.10B	1.07B	994.67M	958.30M	890.51M
Cash, Cash Equivalents and Short-Term Investments	210.53M	71.10M	185.84M	160.95M	192.13M	179.41M
Total Debt	45.91M	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	101.89M	98.62M	90.59M	85.14M	90.06M	86.68M
Cash Flow
Free Cash Flow	6.79M	5.66M	11.60M	11.27M	9.00M	5.14M
Operating Cash Flow	10.04M	7.76M	13.07M	12.53M	9.82M	6.09M
Investing Cash Flow	-63.91M	-30.35M	-60.45M	-80.20M	-108.31M	-66.06M
Financing Cash Flow	49.60M	19.52M	67.51M	36.58M	65.32M	97.35M

First US Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.45
• 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 13.45 is below the 20-day moving average (MA) of 13.67, above the 50-day MA of 13.21, and above the 200-day MA of 12.70, indicating a neutral trend. The MACD of 0.03 indicates Positive momentum. The RSI at 48.96 is Neutral, neither overbought nor oversold. The STOCH value of 23.62 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	76 Outperform	$81.78M	10.33	10.86%	2.21%	6.17%	-6.13%
FUSB	71 Outperform	$76.01M	14.22	5.50%	2.08%	1.03%	-35.72%
UBCP	69 Neutral	$81.88M	10.92	10.91%	6.42%	6.31%	-5.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FNWB	59 Neutral	$93.01M	-11.86	-4.68%	2.86%	8.02%	21.36%
BYFC	47 Neutral	$53.80M	-21.13	0.22%	―	2.54%	-174.74%
SSBI	45 Neutral	$78.45M	-54.68	-1.41%	―	-0.81%	-129.22%

First US Bancshares Corporate Events

First US Bancshares Highlights Strategic Growth Plans

First US Bancshares, Inc. recently presented an investor update as of September 30, 2025, highlighting its strategic focus on growing earnings per share, return on assets, and return on equity through diversified loan and deposit growth. The company aims to maintain a strong credit culture and effective expense control while expanding its digital offerings and optimizing its branch footprint. FUSB’s leadership team, with extensive experience in banking and finance, is committed to enhancing franchise value and exploring potential acquisitions to enter new growth markets. The update also emphasized the company’s adherence to commercial lending fundamentals and its focus on consumer lending with higher credit scores and geographic diversification.