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First US Bancshares, Inc. FUSB
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 12.61
0.998 %
$ 72.4 M
Market Cap
9.88
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one FUSB stock under the worst case scenario is HIDDEN Compared to the current market price of 12.6 USD, First US Bancshares, Inc. is HIDDEN

FUSB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one FUSB stock under the base case scenario is HIDDEN Compared to the current market price of 12.6 USD, First US Bancshares, Inc. is HIDDEN

FUSB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one FUSB stock under the best case scenario is HIDDEN Compared to the current market price of 12.6 USD, First US Bancshares, Inc. is HIDDEN

FUSB Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart FUSB

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1M -3%
6M -9%
1Y 26%
3Y 24%
5Y 95%
All
$13.8$13.8$13.6$13.6$13.4$13.4$13.2$13.2$13.0$13.0$12.8$12.8$12.6$12.6$12.4$12.4$12.2$12.2$12.0$12.0$11.8$11.815 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '25
FINANCIALS
39.7 M REVENUE
-2.41%
Growth Rates
1Year -2.41%
3Years -2.92%
5Years -4.07%
7Years 1.56%
10Years 1.00%
10.8 M OPERATING INCOME
-4.44%
Growth Rates
1Year -4.44%
3Years 23.38%
5Years 13.10%
7Years 22.32%
10Years 7.18%
8.17 M NET INCOME
-3.71%
Growth Rates
1Year -3.71%
3Years 22.44%
5Years 12.34%
7Years 55.39%
10Years 8.70%
7.76 M OPERATING CASH FLOW
-40.61%
Growth Rates
1Year -40.61%
3Years -7.56%
5Years -7.26%
7Years 2.01%
10Years -0.98%
-30.3 M INVESTING CASH FLOW
49.79%
Growth Rates
1Year 49.79%
3Years 34.57%
5Years -32.74%
7Years -4.29%
10Years -3.99%
19.5 M FINANCING CASH FLOW
-71.08%
Growth Rates
1Year -71.08%
3Years -33.14%
5Years 27.99%
7Years 0.04%
10Years 30.42%
14.9 M REVENUE
-3.30%
Growth Rates
1Year -2.41%
3Years -2.92%
5Years -4.07%
7Years 1.56%
10Years 1.00%
2.33 M OPERATING INCOME
0.56%
Growth Rates
1Year -4.44%
3Years 23.38%
5Years 13.10%
7Years 22.32%
10Years 7.18%
1.77 M NET INCOME
3.38%
Growth Rates
1Year -3.71%
3Years 22.44%
5Years 12.34%
7Years 55.39%
10Years 8.70%
1.76 M OPERATING CASH FLOW
-28.34%
Growth Rates
1Year -40.61%
3Years -7.56%
5Years -7.26%
7Years 2.01%
10Years -0.98%
-16.3 M INVESTING CASH FLOW
57.15%
Growth Rates
1Year 49.79%
3Years 34.57%
5Years -32.74%
7Years -4.29%
10Years -3.99%
23.4 M FINANCING CASH FLOW
4207.18%
Growth Rates
1Year -71.08%
3Years -33.14%
5Years 27.99%
7Years 0.04%
10Years 30.42%
Balance Sheet First US Bancshares, Inc.
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Current Assets 182 M
Cash & Short-Term Investments 179 M
Receivables 3.59 M
Other Current Assets 0
Non-Current Assets 32.3 M
Long-Term Investments 0
PP&E 24.8 M
Other Non-Current Assets 7.48 M
83.27 %11.57 %3.49 %Total Assets$214.4m
Current Liabilities 984 M
Accounts Payable 1.75 M
Short-Term Debt 10 M
Other Current Liabilities 973 M
Non-Current Liabilities 992 M
Long-Term Debt 10.9 M
Other Non-Current Liabilities 982 M
49.20 %49.66 %Total Liabilities$2.0b
EFFICIENCY
Earnings Waterfall First US Bancshares, Inc.
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Revenue 39.7 M
Cost Of Revenue 0
Gross Profit 39.1 M
Operating Expenses 1.18 M
Operating Income 10.8 M
Other Expenses 2.58 M
Net Income 8.17 M
40m40m35m35m30m30m25m25m20m20m15m15m10m10m5m5m0040m039m(1m)11m(3m)8mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
98.43% GROSS MARGIN
98.43%
Averages
1Year 98.43%
3Years 101.92%
5Years 99.80%
7Years 99.86%
10Years 99.90%
27.07% OPERATING MARGIN
27.07%
Averages
1Year 27.07%
3Years 31.44%
5Years 23.07%
7Years 22.46%
10Years 17.95%
20.56% NET MARGIN
20.56%
Averages
1Year 20.56%
3Years 19.97%
5Years 15.24%
7Years 13.22%
10Years 10.29%
8.28% ROE
8.28%
Averages
1Year 8.28%
3Years 8.57%
5Years 6.76%
7Years 6.04%
10Years 4.68%
0.74% ROA
0.74%
Averages
1Year 0.74%
3Years 0.74%
5Years 0.60%
7Years 0.55%
10Years 0.45%
-1.08% ROIC
-1.08%
Averages
1Year -1.08%
3Years -0.71%
5Years -0.44%
7Years -0.01%
10Years 0.13%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis First US Bancshares, Inc.
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12m12m10m10m8m8m6m6m4m4m2m2m00(2m)(2m)(4m)(4m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 8.17 M
Depreciation & Amortization 1.71 M
Capital Expenditures -2.1 M
Stock-Based Compensation 617 K
Change in Working Capital -2.95 M
Others -872 K
Free Cash Flow 5.66 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets First US Bancshares, Inc.
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FUSB has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.52% DIVIDEND YIELD
0.07 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.250.250.200.200.150.150.100.100.050.050.000.000.020.020.020.020.020.030.030.030.050.050.070.020.020.020.020.020.030.030.030.050.050.070.020.020.020.020.020.030.030.030.050.050.020.080.020.080.020.080.020.080.030.090.030.120.030.120.050.140.050.200.070.220.142015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership First US Bancshares, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
12.3 K USD 1
6-9 MONTHS
5.74 K USD 1
9-12 MONTHS
179 K USD 2
Bought
0 USD 0
0-3 MONTHS
12.3 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
FIRST US BANCSHARES, INC. DECLARES CASH DIVIDEND BIRMINGHAM, Ala. , May 21, 2025 /PRNewswire/ -- First US Bancshares, Inc. (Nasdaq: FUSB) (the "Company") announced today that the Company's Board of Directors has declared a cash dividend of $0.07 per share. prnewswire.com - 3 weeks ago
First US Bancshares, Inc. Reports First Quarter 2025 Results BIRMINGHAM, Ala. , April 30, 2025 /PRNewswire/ -- First Quarter Highlights: Period Net Income Diluted Earningsper share Return on average assets(annualized) Return on average commonequity (annualized) Return on average tangiblecommon equity (annualized) (1) 1Q2025 $1.8 million $0.29 0.66 % 7.21 % 7.79 % First US Bancshares, Inc. (Nasdaq: FUSB) (the "Company"), the parent company of First US Bank (the "Bank"), today reported net income of $1.8 million, or $0.29 per diluted share, for the quarter ended March 31, 2025 ("1Q2025"), compared to $1.7 million, or $0.29 per diluted share, for the quarter ended December 31, 2024 ("4Q2024") and $2.1 million, or $0.34 per diluted share, for the quarter ended March 31, 2024 ("1Q2024"). prnewswire.com - 1 month ago
FIRST US BANCSHARES, INC. DECLARES CASH DIVIDEND BIRMINGHAM, Ala. , Feb. 26, 2025 /PRNewswire/ -- First US Bancshares, Inc. (Nasdaq: FUSB) (the "Company") announced today that the Company's Board of Directors has declared a cash dividend of $0.07 per share. prnewswire.com - 3 months ago
First US Bancshares, Inc. Reports Fourth Quarter and Full-Year 2024 Earnings BIRMINGHAM, Ala. , Jan. 27, 2025 /PRNewswire/ -- Fourth Quarter and Full-Year Highlights: Period Net Income Diluted Earnings per share Return on average assets (annualized) Return on average commonequity (annualized) Return on average tangiblecommon equity (annualized) (1) 4Q2024 $1.7 million $0.29 0.63 % 6.92 % 7.49 % Full-Year 2024 $8.2 million $1.33 0.76 % 8.62 % 9.37 %   First US Bancshares, Inc. (Nasdaq: FUSB) (the "Company"), the parent company of First US Bank (the "Bank"), today reported net income of $1.7 million, or $0.29 per diluted share, for the quarter ended December 31, 2024 ("4Q2024"), compared to $2.2 million, or $0.36 per diluted share, for the quarter ended September 30, 2024 ("3Q2024") and $2.3 million, or $0.36 per diluted share, for the quarter ended December 31, 2023 ("4Q2023"). prnewswire.com - 4 months ago
FIRST US BANCSHARES, INC. ELECTS TWO NEW DIRECTORS BIRMINGHAM, Ala. , Nov. 20, 2024 /PRNewswire/ -- First US Bancshares, Inc. (the "Company") (Nasdaq: FUSB) announced today that the Company's Board of Directors has elected Staci M. prnewswire.com - 6 months ago
First US Bancshares, Inc. Announces Expansion of Share Repurchase Program BIRMINGHAM, Ala. , Nov. 20, 2024 /PRNewswire/ -- First US Bancshares, Inc. (Nasdaq: FUSB) (the "Company"), a Delaware corporation based in Birmingham, Alabama, announced today that its Board of Directors has expanded the Company's existing share repurchase program. prnewswire.com - 6 months ago
FIRST US BANCSHARES, INC. DECLARES CASH DIVIDEND Announces 40% Increase to $0.07 per Share BIRMINGHAM, Ala. , Nov. 20, 2024 /PRNewswire/ -- First US Bancshares, Inc. (Nasdaq: FUSB) (the "Company") announced today that the Company's Board of Directors has declared a cash dividend of $0.07 per share. prnewswire.com - 6 months ago
First US Bancshares, Inc. Reports Third Quarter and Year-to-Date Earnings: Nine-month Diluted EPS Growth of $0.07 Over 2023 BIRMINGHAM, Ala. , Oct. 24, 2024 /PRNewswire/ -- Third Quarter Highlights: Net Income Diluted Earnings per share Return on average assets(annualized) Return on average commonequity (annualized) Return on average tangiblecommon equity (annualized) (1) Loans to deposits $2.2 million $0.36 0.82 % 9.21 % 9.99 % 81.9 % First US Bancshares, Inc. (Nasdaq: FUSB) (the "Company"), the parent company of First US Bank (the "Bank"), today reported net income of $2.2 million, or $0.36 per diluted share, for the quarter ended September 30, 2024 ("3Q2024"), compared to $2.1 million, or $0.34 per diluted share, for the quarter ended June 30, 2024 ("2Q2024") and $2.1 million, or $0.33 per diluted share, for the quarter ended September 30, 2023 ("3Q2023"). prnewswire.com - 7 months ago
FIRST US BANCSHARES, INC. DECLARES CASH DIVIDEND BIRMINGHAM, Ala. , Aug. 28, 2024 /PRNewswire/ -- First US Bancshares, Inc. (Nasdaq: FUSB) (the "Company") announced today that the Company's Board of Directors has declared a cash dividend of $0.05 per share. prnewswire.com - 9 months ago
First US Bancshares, Inc. Reports Second Quarter and Year-to-Date Earnings: Six-month Diluted EPS Growth of $0.04 Over 2023 BIRMINGHAM, Ala. , July 24, 2024 /PRNewswire/ -- Second Quarter Highlights: Net Income Diluted Earnings per share Return on average assets(annualized) Return on average common equity (annualized) Return on average tangible common equity (annualized) (1) Loans to deposits $2.1 million $0.34 0.80 % 9.23 % 10.05 % 85.8 % First US Bancshares, Inc. (Nasdaq: FUSB) (the "Company"), the parent company of First US Bank (the "Bank"), today reported net income of $2.1 million, or $0.34 per diluted share, for the quarter ended June 30, 2024 ("2Q2024"), compared to $2.1 million, or $0.34 per diluted share, for the quarter ended March 31, 2024 ("1Q2024") and $2.0 million, or $0.31 per diluted share, for the quarter ended June 30, 2023 ("2Q2023"). prnewswire.com - 10 months ago
FIRST US BANCSHARES, INC. ELECTS NEW DIRECTOR BIRMINGHAM, Ala. , July 24, 2024 /PRNewswire/ -- First US Bancshares, Inc. (the "Company") (Nasdaq: FUSB) announced today that the Company's Board of Directors has elected Robert C. prnewswire.com - 10 months ago
FIRST US BANCSHARES, INC. DECLARES CASH DIVIDEND BIRMINGHAM, Ala. , May 22, 2024 /PRNewswire/ -- First US Bancshares, Inc. (Nasdaq: FUSB) (the "Company") announced today that the Company's Board of Directors has declared a cash dividend of $0.05 per share. prnewswire.com - 1 year ago
8. Profile Summary

First US Bancshares, Inc. FUSB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 72.4 M
Dividend Yield 0.52%
Description 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.
Contact 3291 U.S. Highway 280, Birmingham, AL, 35243 https://www.fusb.com
IPO Date Jan. 11, 1999
Employees 151
Officers Mr. Eric H. Mabowitz Senior Executive Vice President, Chief Risk Officer, Chief Compliance Officer & CRA Officer of First US Bank Ms. Beverly J. Dozier Senior Vice President, Corporate Secretary & Assistant Treasurer Mr. James F. House President, Chief Executive Officer & Chairman Mr. Thomas S. Elley CPA Senior Executive Vice President, Treasurer, Assistant Secretary, Chief Financial Officer & Principal Accounting Officer Mr. William Christopher Mitchell Senior Executive Vice President of Consumer Lending of First US Bank