First US Bancshares, Inc.

First US Bancshares, Inc.

FUSBยทNASDAQ

$16.19

+0.062%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$90.13M
EPS1.0300
P/E Ratio15.72
Earnings Date04/29/2026
3Y+42.0%
5Y+40.0%
10Y+78.0%
3Y-13.0%
5Y+121.0%
10Y+390.0%
3Y-2.0%
5Y+102.0%
10Y+51.0%
First US Bancshares, Inc.

First US Bancshares, Inc. Profit Bridge

FUSB ยท NASDAQ
Revenue62.99M
Cost of Goods Sold (25.99M)
Gross Profit37.01M
Operating Expenses (29.07M)
Operating Income7.94M
Interest Expense (21.96M)
Other Income/Expense0.00
Pretax Income7.94M
Income Tax (1.94M)
Net Income5.99M
Net Income
5.99M

Profitability Analysis

Gross Margin

58.7%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

12.6%

Acceptable margins but limited operational leverage. Operating expense control is important.

Net Profit Margin

9.5%

Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.

Effective Tax Rate

24.5%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.

First US Bancshares, Inc. Income Statement

FUSB โ€ข NASDAQ

First US Bancshares, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
63M
61.8M
56.2M
44.3M
43.4M
45.1M
49M
42.7M
35.8M
35.4M
34.4M
36.5M
38.5M
44.3M
49.5M
55M
55.9M
58.6M
65.5M
64.8M
GROSS PROFIT
(26M)
(22.7M)
(15.8M)
(7.6M)
(5M)
(7.6M)
(9.4M)
(7M)
(4.7M)
(5.5M)
(2.5M)
(2.5M)
(2.3M)
(8.9M)
(25.8M)
(29.2M)
(22.3M)
(25.8M)
(40.6M)
(19.7M)
37M
39.1M
40.4M
36.8M
38.5M
37.5M
39.6M
35.8M
31.1M
29.9M
31.9M
34M
36.2M
35.4M
23.6M
25.8M
33.6M
32.8M
24.9M
45.1M
OPERATING INCOME
(29.1M)
(28.4M)
(29.1M)
(27.8M)
(32.7M)
(34M)
(33.8M)
(32.4M)
(28.4M)
(28.5M)
(28.4M)
(28.6M)
(30.8M)
(32.5M)
(38.7M)
(32.1M)
(27.5M)
(25.3M)
(25.8M)
(23.8M)
(19.1M)
(17.4M)
(18.1M)
(18.1M)
(20.7M)
(25.5M)
(25M)
(23.1M)
(21.2M)
(20.8M)
(20.4M)
(20M)
(18.5M)
(16.9M)
(16.9M)
(13.8M)
(13.6M)
(13M)
(15.5M)
(14.4M)
7.9M
10.8M
11.3M
9M
5.7M
3.5M
5.8M
3.4M
2.6M
1.4M
3.5M
5.4M
5.4M
2.9M
-15M
-6.3M
6.2M
7.5M
-871.2K
21.3M
PRE-TAX INCOME
(22M)
(22.1M)
(15.5M)
(4.3M)
(3M)
(4.6M)
(6.6M)
(4.4M)
(2.7M)
(2.3M)
(2.3M)
(2.6M)
(2.9M)
(4.6M)
(7M)
(10.1M)
(13.2M)
(16.9M)
(19.5M)
(16M)
37.5M
36.1M
37.4M
36.9M
37M
35.8M
36.9M
32.8M
28.4M
27.9M
27.6M
28.8M
30.7M
34.2M
35.3M
34.7M
34.3M
35.2M
40.5M
43.2M
(10M)
(11M)
(11M)
(9.6M)
(12.1M)
(8.5M)
(8.8M)
(9.3M)
(7.3M)
(7.7M)
(8M)
(8.6M)
(12.3M)
(15.6M)
(21.8M)
(18.4M)
(13.9M)
(12.3M)
(10.4M)
(9.4M)
7.9M
10.8M
11.3M
9M
5.7M
3.5M
5.8M
3.4M
2.6M
1.4M
3.5M
5.4M
5.4M
2.9M
-15M
-6.3M
6.2M
7.5M
-871.2K
21.3M
NET INCOME
(1.9M)
(2.6M)
(2.8M)
(2.1M)
(1.3M)
(825K)
(1.2M)
(901K)
(3M)
(169K)
(951K)
(1.8M)
(1.5M)
(745K)
-6M
-3M
(1.6M)
(2.1M)
-1.2M
(7.1M)
6M
8.2M
8.5M
6.9M
4.5M
2.7M
4.6M
2.5M
-411K
1.2M
2.6M
3.5M
3.9M
2.2M
-9.1M
-3.2M
4.8M
5.4M
348.6K
14.2M

SEC Filings

FUSB - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 04, 2026
April 30, 2026
2026
8-K

8-K 2026

N/A

April 29, 2026
April 29, 2026
2026
8-K

8-K 2026

N/A

April 29, 2026
April 29, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 18, 2026
April 30, 2026
2026
10-K

10-K 2025 FY

FY

March 12, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 12, 2026
February 09, 2026
2026
8-K

8-K 2026

N/A

January 28, 2026
January 28, 2026
2026
8-K

8-K 2026

N/A

January 28, 2026
January 28, 2026
2026
10-Q

10-Q 2025 Q3

Q3

November 06, 2025
September 30, 2025
2025
Showing 1 to 10 of 395 filings