First US Bancshares (FUSB) AI Stock Analysis

• Market Cap: $71.84M
• Dividend Yield: 2.24%
• Average Volume (3M): 1.93K
• Price to Earnings (P/E): 9.9
• Beta (1Y): 0.37
• 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: 1,322
• 30 Day Avg. Volume: 1,930
• PEG Ratio: 0.13
• Price to Book (P/B): 0.62
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 4.69
• Enterprise Value/Market Cap: 0.74
• Enterprise Value/Revenue: 0.29
• Enterprise Value/Gross Profit: 1.22
• Enterprise Value/Ebitda: 3.97
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 68 Neutral
• Price Target: $14.00 ▲(10.50%Upside)

First US Bancshares' overall stock score is influenced by solid financial performance and a strategic growth focus. While technical indicators suggest caution, the stock's attractive valuation and positive corporate developments support its investment case.

First US Bancshares Business Overview & Revenue Model

Company Description

First US Bancshares, Inc. (FUSB) is a bank holding company that operates through its banking subsidiary, First US Bank. The company is headquartered in Birmingham, Alabama, and provides a wide range of financial services primarily in the southeastern United States. It focuses on offering consumer and commercial banking services, including checking and savings accounts, personal and business loans, and mortgage products. The bank also provides services like online banking, mobile banking, and treasury management solutions.

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 demonstrates strong revenue growth and efficient operations, with a solid equity position and low leverage risk. However, declining cash flow and room for improvement in net profit margins are potential concerns.

Income Statement

First US Bancshares has demonstrated strong revenue growth, with a significant increase in total revenue from previous years. The gross profit margin is stable, reflecting efficient cost management. However, the net profit margin shows room for improvement, indicating potential cost pressures or margin compression. The EBIT margin is robust, further reflecting operational efficiency.

Balance Sheet

The balance sheet reveals a solid equity position with a low debt-to-equity ratio, indicating financial stability and low leverage risk. Return on equity is commendable, showcasing good profitability relative to shareholders' equity. However, the equity ratio suggests a moderately leveraged position, which is typical for the banking industry.

Cash Flow

The cash flow statement indicates a decline in operating cash flow, which could be a concern if it continues. Free cash flow has decreased, affecting the company's ability to generate cash after capital expenditures. The operating cash flow to net income ratio is healthy, suggesting effective cash conversion from earnings.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
50.39M	39.73M	40.71M	37.08M	43.42M	45.00M
	Gross Profit
43.69M	39.11M	40.40M	40.09M	40.49M	45.00M
	EBIT
11.94M	10.75M	11.25M	14.69M	5.73M	3.53M
	EBITDA
5.26M	12.47M	13.05M	8.78M	7.76M	0.00
	Net Income Common Stockholders
7.83M	8.17M	8.48M	6.86M	4.45M	2.71M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
222.81M	178.52M	195.32M	162.72M	192.21M	179.41M
	Total Assets
1.13B	1.10B	1.07B	994.67M	958.30M	890.51M
	Total Debt
55.89M	20.87M	20.80M	30.70M	20.70M	10.02M
	Net Debt
-151.00K	-26.34M	-29.48M	548.00K	-40.55M	-84.40M
	Total Liabilities
1.03B	1.00B	982.35M	909.53M	868.24M	803.83M
	Stockholders Equity
101.23M	98.62M	90.59M	85.14M	90.06M	86.68M
Cash Flow		Free Cash Flow
9.32M	5.66M	11.60M	11.27M	9.00M	5.14M
	Operating Cash Flow
8.69M	7.76M	13.07M	12.53M	9.82M	6.09M
	Investing Cash Flow
-58.07M	-30.35M	-60.45M	-80.20M	-108.31M	-66.06M
	Financing Cash Flow
45.17M	19.52M	67.51M	36.58M	65.32M	97.35M

First US Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.67
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• 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 Positive. The current price of 12.67 is below the 20-day moving average (MA) of 12.68, below the 50-day MA of 12.69, and above the 200-day MA of 12.41, indicating a neutral trend. The MACD of -0.06 indicates Positive momentum. The RSI at 51.00 is Neutral, neither overbought nor oversold. The STOCH value of 13.94 is Positive, 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	72 Outperform	$64.97M	9.82	10.25%	2.80%	12.23%	-25.92%
AUBN	70 Neutral	$77.91M	11.28	8.32%	4.84%	22.78%	722.30%
FUSB	68 Neutral	$71.84M	9.85	8.10%	2.24%	5.04%	-6.92%
Sector *	64 Neutral	$12.77B	9.71	7.85%	78.06%	12.07%	-7.97%
LSBK	63 Neutral	$89.50M	18.18	5.61%	4.56%	1.75%	22.21%
IROQ	59 Neutral	$80.67M	23.72	4.35%	1.66%	11.65%	67.39%
UBCP	59 Neutral	$78.68M	10.85	11.29%	5.53%	5.81%	-22.37%

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.