First US Bancshares (FUSB) AI Stock Analysis

• Market Cap: $74.36M
• Dividend Yield: 2.17%
• Average Volume (3M): 3.31K
• Price to Earnings (P/E): 13.9
• Beta (1Y): 0.35
• Revenue Growth: 1.28%
• EPS Growth: -35.83%
• Country: US
• Employees: 151
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.32
• Shares Outstanding: 5,759,659
• 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: 1.57
• 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: $14.50 ▲(6.93% Upside)

First US Bancshares shows strong financial performance with notable revenue growth, although declining margins and increased leverage are concerns. Technical indicators are positive, suggesting potential for further price appreciation. The valuation is reasonable, with a fair P/E ratio and a moderate dividend yield, making it an attractive option for investors seeking both growth and income.

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 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	165.96M	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: 13.56
• 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 13.56 is above the 20-day moving average (MA) of 12.57, above the 50-day MA of 12.27, and above the 200-day MA of 12.62, indicating a bullish trend. The MACD of 0.22 indicates Negative momentum. The RSI at 59.94 is Neutral, neither overbought nor oversold. The STOCH value of 79.26 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	71 Outperform	$74.36M	13.91	5.50%	2.17%	1.28%	-35.83%
BOTJ	68 Neutral	$75.06M	9.48	10.86%	2.35%	6.17%	-6.13%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UBCP	62 Neutral	$73.62M	10.03	11.79%	7.25%	5.73%	-13.97%
FNWB	51 Neutral	$83.82M	-10.76	-4.68%	3.12%	8.02%	21.26%
BYFC	48 Neutral	$57.93M	-22.22	0.22%	―	2.54%	-174.74%
SSBI	45 Neutral	$72.44M	-51.32	-1.41%	―	-0.80%	-129.22%

First US Bancshares Corporate Events

First US Bancshares Reports Improved Q3 2025 Earnings

First US Bancshares, Inc., a bank holding company operating in Alabama, Tennessee, and Virginia, provides financial services through its subsidiary, First US Bank, and is listed on the Nasdaq under the symbol FUSB. In the third quarter of 2025, First US Bancshares reported a net income of $1.9 million, or $0.32 per diluted share, marking a significant improvement from the previous quarter’s $0.2 million. However, this was a decline from the $2.2 million reported in the same quarter of the previous year. For the nine months ending September 30, 2025, net income totaled $3.9 million, compared to $6.5 million for the same period in 2024.

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.

The most recent analyst rating on (FUSB) stock is a Hold with a $13.50 price target. To see the full list of analyst forecasts on First US Bancshares stock, see the FUSB Stock Forecast page.

First US Bancshares Expands Board with New Director

On August 27, 2025, First US Bancshares, Inc. expanded its Board of Directors from eleven to twelve members, appointing S. Nathan Gordon as the new director. Mr. Gordon will also serve on several committees within the Bank’s Board, including the Asset/Liability Committee and the Information Technology Steering Committee. The company also entered into an Indemnification Agreement with Mr. Gordon, ensuring protection against certain legal expenses. This strategic move aims to enhance the company’s governance and operational oversight, potentially impacting its market positioning positively.

The most recent analyst rating on (FUSB) stock is a Hold with a $13.50 price target. To see the full list of analyst forecasts on First US Bancshares stock, see the FUSB Stock Forecast page.

Extra Space Storage Reports Strong Q2 2025 Results

Extra Space Storage Inc., headquartered in Salt Lake City, Utah, is a self-administered and self-managed real estate investment trust (REIT) and the largest operator of self-storage properties in the United States, offering a wide range of storage solutions across 43 states and Washington, D.C.