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First US Bancshares (FUSB) AI Stock Analysis
First US Bancshares
(NASDAQ:FUSB)
FUSB scores in the moderate range, driven primarily by a stable but unspectacular financial profile: solid asset and equity growth and low leverage are offset by compressed margins, volatile earnings, and below-peer return on equity near 5.7% (7.4% TTM). Technicals are constructive, with the price holding above all key moving averages and neutral RSI suggesting room to move higher without being stretched. A P/E of 12.2 and a 1.7% dividend yield make the valuation fair rather than compelling. Management's strategic roadmap around deposit growth, digital expansion, and potential acquisitions is encouraging but has yet to translate into improved profitability. Overall, FUSB is a low-volatility, conservatively managed community bank whose upside depends on margin recovery and better operating efficiency.
First US Bancshares (FUSB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $90.83M
- Dividend Yield
- 1.70%
- Average Volume (3M)
- 16.17K
- Price to Earnings (P/E)
- 12.0
- Beta (1Y)
- 0.03
- Revenue Growth
- 3.80%
- EPS Growth
- 43.33%
- Country
- US
- Employees
- 152
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
First US Bancshares Business Overview & Revenue Model
Company Description
First US Bancshares, Inc. functions as the holding company for First US Bank, which delivers a comprehensive suite of commercial banking products and services. Its deposit offerings encompass demand accounts, including non-interest-bearing options, i...
How the Company Makes Money
FUSB primarily makes money through its bank subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated by collecting interest and fees on loans and other interest-earning assets (such as certain securit...
First US Bancshares Financial Statement Overview
Summary
FUSB blends steady growth with profitability pressure. Revenue has climbed from $43.4M in 2021 to $63.0M in 2025 ($64.2M TTM), and the balance sheet is conservatively run — assets up to $1.15B, equity up to $105.6M, and low leverage (debt/equity of 0.10x in 2025, though 0.35x TTM). However, margins have compressed sharply (net margin from ~15% in 2022–23 to 9.5% in 2025), net income fell to $6.0M in 2025 before recovering to $7.8M TTM, and ROE of 5.7% (7.4% TTM) trails stronger regional bank peers. Cash flow has been volatile but is rebounding, with operating cash flow at $15.6M TTM and free cash flow at $10.3M, well supported by earnings quality.
Income Statement
52NeutralBalance Sheet
62PositiveCash Flow
55Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 64.15M | 62.99M | 61.84M | 56.17M | 44.35M | 43.42M |
| Gross Profit | 39.83M | 37.01M | 39.11M | 40.40M | 36.78M | 38.46M |
| EBITDA | 11.94M | 9.68M | 12.47M | 13.05M | 10.89M | 7.76M |
| Net Income | 7.76M | 5.99M | 8.17M | 8.48M | 6.86M | 4.45M |
Balance Sheet | ||||||
| Total Assets | 1.15B | 1.15B | 1.10B | 1.07B | 994.67M | 958.30M |
| Cash, Cash Equivalents and Short-Term Investments | 177.28M | 83.95M | 71.10M | 185.84M | 160.95M | 192.13M |
| Total Debt | 35.98M | 10.95M | 20.87M | 20.80M | 30.70M | 20.70M |
| Total Liabilities | 1.04B | 1.05B | 1.00B | 982.35M | 909.53M | 868.24M |
| Stockholders Equity | 104.28M | 105.65M | 98.62M | 90.59M | 85.14M | 90.06M |
Cash Flow | ||||||
| Free Cash Flow | 6.64M | 9.08M | 5.66M | 11.60M | 11.27M | 9.00M |
| Operating Cash Flow | 11.47M | 12.32M | 7.76M | 13.07M | 12.53M | 9.82M |
| Investing Cash Flow | -1.11M | -28.12M | -30.35M | -60.45M | -80.20M | -108.31M |
| Financing Cash Flow | -5.38M | 42.13M | 19.52M | 67.51M | 36.58M | 65.32M |
First US Bancshares Technical Analysis
Price Trends
Market Momentum
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 16.50 is above the 20-day moving average (MA) of 16.44, above the 50-day MA of 16.45, and above the 200-day MA of 15.88, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 50.71 is Neutral, neither overbought nor oversold. The STOCH value of 48.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FUSB.
First US Bancshares Risk Analysis
First US Bancshares disclosed 37 risk factors in its most recent earnings report. First US Bancshares reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksFirst US Bancshares Peers Comparison
Overall Rating
BOTJ69Neutral
UBCP69Neutral- FUSB60Neutral
SSBI52Neutral
BYFC51Neutral
FNWB44Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| BOTJ | 69Neutral | $107.95M | 8.97 | 14.94% | 1.68% | 7.06% | 52.33% |
| UBCP | 69Neutral | $81.21M | 9.97 | 11.53% | 6.71% | 6.21% | 8.32% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| FUSB | 60Neutral | $90.83M | 11.96 | 7.58% | 1.70% | 3.80% | 43.33% |
| SSBI | 52Neutral | $77.40M | 190.50 | 0.33% | ― | -7.24% | ― |
| BYFC | 51Neutral | $106.33M | -4.23 | -7.74% | ― | 10.60% | -935.88% |
| FNWB | 44Neutral | $97.30M | -1100.00 | -0.03% | ― | -6.23% | 99.73% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FUSB | First Us Bancshares | 16.50 | 3.49 | 26.82% | |
| BOTJ | Bank Of The James Financial Group, Inc. | 23.76 | 7.07 | 42.39% | |
| BYFC | Broadway Financial | 11.46 | 5.06 | 79.06% | |
| SSBI | Summit State Bank | 11.43 | 0.59 | 5.44% | |
| UBCP | United Bancorp | 14.16 | 1.86 | 15.09% | |
| FNWB | First Northwest Bancorp | 10.23 | 1.23 | 13.67% |
First US Bancshares Corporate Events
First US Bancshares Highlights Strategic Growth and Expansion Plans
PositiveAs of Sept. 30, 2026, First US Bancshares presented an investor update highlighting its status as a $1.165 billion-asset Nasdaq-listed community bank with 16 branches and a loan-to-deposit ratio of 83 percent. The release underscored the bank’s...
First US Bancshares Outlines Strategic Growth Initiatives
PositiveFirst US Bancshares, Inc. is a Birmingham, Ala.-based community banking company listed on Nasdaq under the ticker FUSB, operating First US Bank with 16 branches and two loan production offices. As of June 30, 2026, it reported $1.148 billion in asset...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 28, 2026