A Business at a Glance
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FIRST US BANCSHARES, INC.
FUSB
$99M
Mkt Cap
$16.45
+0.24%
FIRST US BANCSHARES, INC. (FUSB) has a current P/E ratio of 17.7, compared to its historical median P/E of 14.8. The stock is currently considered Fair based on its historical valuation range.
FIRST US BANCSHARES, INC. (FUSB) has a 5-year average return on invested capital (ROIC) of 6.7%. This is below average and may indicate limited pricing power.
FIRST US BANCSHARES, INC. (FUSB) has a market capitalization of $92M. It is classified as a small-cap stock.
Yes, FIRST US BANCSHARES, INC. (FUSB) pays a dividend with a trailing twelve-month yield of 1.74%. The company also returns capital through share buybacks, with a buyback yield of 3.72%.
Based on historical P/E analysis, FIRST US BANCSHARES, INC. (FUSB) appears fair. The current P/E of 17.7 is 19% above its historical median of 14.8. The estimated fair value CAGR (P/E method) is 20.8%.
FIRST US BANCSHARES, INC. (FUSB) operates in the State Commercial Banks industry, within the Financials sector.
FIRST US BANCSHARES, INC. (FUSB) reported annual revenue of $63 million in its most recent fiscal year, based on SEC EDGAR filings.
First US Bancshares, Inc., a Delaware corporation (“Bancshares” and, together with its subsidiary, the “Company”), is a bank holding company formed in 1983 registered under the Bank Holding Company Act of 1956, as amended (the “BHCA”). Bancshares operates one wholly-owned banking subsidiary, First US Bank, an Alabama banking corporation (the “Bank”). Bancshares and the Bank are headquartered in Birmingham, Alabama. The Bank conducts a general commercial banking business and offers banking services such as demand, savings, individual retirement account and time deposits, personal and commercial loans, safe deposit box services and remote deposit capture.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 41M | 63M | 62M | 56M | 45M | 43M |
| Net Income | 6.2M | 6.0M | 8.2M | 8.5M | 6.9M | 4.5M |
| EPS | $1.08 | $1.00 | $1.33 | $1.33 | $1.06 | $0.66 |
| Free Cash Flow | 11M | 9.1M | 5.7M | 12M | 11M | 9.0M |
| ROIC | 0.0% | 5.3% | 7.7% | 8.6% | 7.0% | 4.8% |
| Gross Margin | - | 58.7% | 63.2% | 71.9% | 83.1% | 88.6% |
| Debt/Equity | 0.11 | 0.10 | 0.21 | 0.23 | 0.36 | 0.23 |
| Dividends/Share | $0.29 | $0.28 | $0.22 | $0.20 | $0.14 | $0.12 |
| Operating Income | 0 | 7.9M | 11M | 11M | 9.0M | 5.7M |
| Operating Margin | 0.0% | 12.6% | 17.4% | 20.1% | 20.2% | 13.2% |
| ROE | 5.9% | 5.9% | 8.6% | 9.7% | 7.8% | 5.0% |
| Shares Outstanding | 6M | 6M | 6M | 6M | 6M | 7M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 36M | 34M | 35M | 36M | 43M | 49M | 45M | 43M | 45M | 56M | 62M | 63M | 41M |
| Gross Margin | 92.8% | N/A | N/A | N/A | 83.7% | 80.9% | 83.4% | 88.6% | 83.1% | 71.9% | 63.2% | 58.7% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 17M | 17M | 17M | 17M | 19M | 20M | 21M | 19M | 16M | 16M | 15M | 15M | 15M |
| EBIT | 5.4M | 3.5M | 1.4M | 2.6M | 3.4M | 5.8M | 3.5M | 5.7M | 9.0M | 11M | 11M | 7.9M | 0 |
| Op. Margin | 14.8% | 10.3% | 3.9% | 7.3% | 7.9% | 11.9% | 7.8% | 13.2% | 20.2% | 20.1% | 17.4% | 12.6% | 0.0% |
| Net Income | 3.5M | 2.6M | 1.2M | -411K | 2.5M | 4.6M | 2.7M | 4.5M | 6.9M | 8.5M | 8.2M | 6.0M | 6.2M |
| Net Margin | 9.7% | 7.5% | 3.5% | -1.1% | 5.8% | 9.3% | 6.0% | 10.2% | 15.4% | 15.1% | 13.2% | 9.5% | 14.9% |
| Non-Recurring | 543K | 192K | 120K | 198K | 242K | 38K | 10K | 67K | 1K | 64K | 120K | 227K | 227K |
| Returns on Capital | |||||||||||||
| ROIC | 4.9% | 3.4% | 1.6% | -0.5% | 3.2% | 5.6% | 3.2% | 4.8% | 7.0% | 8.6% | 7.7% | 5.3% | 0.0% |
| ROE | 4.9% | 3.4% | 1.6% | -0.5% | 3.2% | 5.6% | 3.2% | 5.0% | 7.8% | 9.7% | 8.6% | 5.9% | 5.9% |
| ROA | 0.6% | 0.5% | 0.2% | -0.1% | 0.4% | 0.6% | 0.3% | 0.5% | 0.7% | 0.8% | 0.8% | 0.5% | 0.5% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 8.6M | 7.4M | 8.2M | 6.8M | 8.1M | 11M | 6.1M | 9.8M | 13M | 13M | 7.8M | 12M | 15M |
| Free Cash Flow | 6.9M | 3.7M | 290K | -3.6M | 6.5M | 8.1M | 5.1M | 9.0M | 11M | 12M | 5.7M | 9.1M | 11M |
| Owner Earnings | 7.3M | 6.1M | 6.9M | 5.3M | 6.2M | 9.3M | 4.0M | 7.7M | 10M | 12M | 5.5M | 9.9M | -11M |
| CapEx | 1.7M | 3.7M | 7.9M | 10M | 1.5M | 3.2M | 955K | 822K | 1.3M | 1.5M | 2.1M | 3.2M | 3.6M |
| Maint. CapEx | 803K | 871K | 966K | 1.1M | 1.5M | 1.6M | 1.7M | 1.7M | 1.6M | 0 | 1.6M | 1.7M | 24M |
| Growth CapEx | 905K | 2.8M | 6.9M | 9.3M | 94K | 1.6M | 0 | 0 | 0 | 1.5M | 500K | 1.5M | 0 |
| D&A | 803K | 871K | 966K | 1.1M | 1.5M | 1.6M | 1.7M | 1.7M | 1.6M | 0 | 1.6M | 1.7M | 24M |
| CapEx/OCF | 19.9% | 49.5% | 96.5% | 153.9% | 19.2% | 28.1% | 15.7% | 8.4% | 10.1% | 11.2% | 27.1% | N/A | 24.8% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 181K | 484K | 483K | 486K | 495K | 562K | 740K | 745K | 832K | 1.2M | 1.3M | 1.6M | 1.6M |
| Dividend Yield | 0.4% | 1.0% | 0.9% | 0.8% | 0.8% | 1.0% | 1.5% | 1.2% | 1.4% | 2.3% | 2.0% | N/A | 1.7% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 1.5M | 452K | 525K | 4.5M | 1.4M | 1.6M | 1.8M | 3.4M |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | 2.2% | 0.8% | 0.8% | 8.4% | 2.3% | 2.0% | 0.0% | 3.7% |
| Stock-Based Comp | 443K | 416K | 281K | 366K | 444K | 360K | 421K | 436K | 485K | 596K | 617K | 744K | 761K |
| Debt Repayment | 795K | 82K | 2.8M | 5.5M | 25M | 9.5M | 8K | 29K | 10.0M | 10M | 0 | 10M | 10M |
| Balance Sheet | |||||||||||||
| Net Debt | -239M | -236M | -195M | -165M | -181M | -141M | -169M | -171M | -130M | -165M | -194M | -231M | -237M |
| Cash & Equiv. | 34M | 44M | 24M | 27M | 50M | 57M | 94M | 61M | 30M | 50M | 47M | 74M | 248M |
| Long-Term Debt | 29K | 24K | 145K | 177K | 84K | 0 | 0 | 11M | 11M | 11M | 11M | 11M | 11M |
| Debt/Equity | 0.01 | 0.10 | 0.13 | 0.21 | 0.01 | 0.12 | 0.12 | 0.23 | 0.36 | 0.23 | 0.21 | 0.10 | 0.11 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 76M | 77M | 76M | 76M | 79M | 85M | 87M | 90M | 85M | 91M | 99M | 106M | 105M |
| Total Assets | 573M | 576M | 607M | 626M | 792M | 789M | 891M | 958M | 995M | 1.1B | 1.1B | 1.2B | 1.2B |
| Total Liabilities | 497M | 499M | 531M | 549M | 713M | 704M | 804M | 868M | 910M | 982M | 1.0B | 1.0B | 1.1B |
| Intangibles | N/A | N/A | N/A | N/A | 1.9M | 1.4M | 975K | 634K | 366K | 171K | 49K | 0 | 0 |
| Retained Earnings | 85M | 87M | 87M | 87M | 89M | 93M | 95M | 98M | 104M | 110M | 117M | 121M | 123M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.57 | 0.41 | 0.19 | -0.07 | 0.37 | 0.67 | 0.40 | 0.66 | 1.06 | 1.33 | 1.33 | 1.00 | 1.08 |
| Owner EPS | 1.18 | 0.97 | 1.08 | 0.89 | 0.92 | 1.37 | 0.59 | 1.14 | 1.61 | 1.95 | 0.90 | 1.65 | -1.88 |
| Book Value | 12.19 | 12.17 | 11.83 | 12.98 | 11.80 | 12.44 | 12.81 | 13.35 | 13.15 | 14.20 | 16.06 | 17.63 | 18.67 |
| Cash Flow/Share | 1.38 | 1.17 | 1.27 | 1.15 | 1.20 | 1.66 | 0.90 | 1.46 | 1.93 | 2.05 | 1.26 | 2.06 | 5.47 |
| Dividends/Share | 0.03 | 0.08 | 0.08 | 0.08 | 0.08 | 0.09 | 0.12 | 0.12 | 0.14 | 0.20 | 0.22 | 0.28 | 0.29 |
| Shares Out. | 6.2M | 6.3M | 6.4M | 5.9M | 6.7M | 6.8M | 6.8M | 6.7M | 6.5M | 6.4M | 6.1M | 6.0M | 5.6M |
| Valuation | |||||||||||||
| P/E Ratio | 13.2 | 18.3 | 51.8 | N/A | 18.9 | 14.8 | 20.7 | 14.8 | 7.8 | 7.4 | 10.1 | N/A | 15.2 |
| P/FCF | 6.9 | 12.7 | 218.8 | N/A | 7.2 | 8.3 | 10.9 | 7.3 | 4.7 | 5.4 | 14.6 | N/A | 8.4 |
| EV/EBIT | 1.7 | 1.8 | 13.7 | 12.4 | -0.3 | 1.6 | -3.5 | 2.9 | 4.1 | 1.3 | 1.7 | N/A | N/A |
| Price/Book | 0.6 | 0.6 | 0.8 | 1.0 | 0.6 | 0.8 | 0.6 | 0.7 | 0.6 | 0.7 | 0.8 | N/A | 0.9 |
| Price/Sales | 1.3 | 1.4 | 1.6 | 2.2 | 1.7 | 1.4 | 1.2 | 1.6 | N/A | N/A | N/A | N/A | 2.2 |
| FCF Yield | 14.6% | 7.9% | 0.5% | -4.7% | 13.9% | 12.0% | 9.2% | 13.6% | 21.1% | 18.4% | 6.8% | N/A | 12.0% |
| Market Cap | 47M | 47M | 63M | 78M | 47M | 67M | 56M | 66M | 53M | 63M | 83M | 0 | 92M |
| Avg. Price | 7.10 | 7.28 | 8.09 | 10.45 | 9.75 | 8.52 | 7.21 | 9.60 | 9.27 | 8.08 | 10.34 | 0.00 | 16.45 |
| Year-End Price | 7.55 | 7.49 | 9.85 | 11.33 | 6.98 | 9.90 | 8.27 | 9.79 | 8.25 | 9.90 | 13.46 | 0.00 | 16.45 |
FIRST US BANCSHARES, INC. passes 5 of 9 quality checks, suggesting mixed fundamentals.
FIRST US BANCSHARES, INC. trades at 17.7x trailing earnings, compared to its 15-year median P/E of 14.8x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 10.4x vs a median of 7.3x. The company's 5-year average ROIC is 6.7% with a gross margin of 73.1%. Total shareholder yield (dividends + buybacks) is 5.5%. At current prices, the estimated annualized return to fair value is +9.3%.
FIRST US BANCSHARES, INC. (FUSB) has a net profit margin of 9.5%. This is a modest margin.
FIRST US BANCSHARES, INC. (FUSB) generated $9 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
FIRST US BANCSHARES, INC. (FUSB) has a debt-to-equity ratio of 0.10. This indicates a conservatively financed balance sheet.
FIRST US BANCSHARES, INC. (FUSB) reported earnings per share (EPS) of $1.00 in its most recent fiscal year.
FIRST US BANCSHARES, INC. (FUSB) has a return on equity (ROE) of 5.9%. This indicates moderate shareholder returns.
FIRST US BANCSHARES, INC. (FUSB) has a 5-year average gross margin of 73.1%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for FIRST US BANCSHARES, INC. (FUSB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
FIRST US BANCSHARES, INC. (FUSB) has a book value per share of $17.63, based on its most recent annual SEC filing.
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