FUSB Fundamental Analysis - FIRST US BANCSHARES INC

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to FUSB. FUSB was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of FUSB have multiple concerns. FUSB does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

FUSB had positive earnings in the past year.

FUSB had a positive operating cash flow in the past year.

Each year in the past 5 years FUSB has been profitable.

In the past 5 years FUSB always reported a positive cash flow from operatings.

1.2 Ratios

FUSB has a Return On Assets of 0.51%. This is in the lower half of the industry: FUSB underperforms 73.72% of its industry peers.

FUSB has a worse Return On Equity (5.75%) than 71.17% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.51%
ROE	5.75%
ROIC	N/A

ROA(3y)0.74%

ROA(5y)0.6%

ROE(3y)8.57%

ROE(5y)6.76%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of FUSB (14.69%) is worse than 74.74% of its industry peers.

In the last couple of years the Profit Margin of FUSB has grown nicely.

FUSB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	14.69%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y23.22%

PM growth 5Y13.74%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FUSB does not have a ROIC to compare to the WACC, probably because it is not profitable.

FUSB has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, FUSB has less shares outstanding

Compared to 1 year ago, FUSB has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of FUSB is 1.61, which is an excellent value as it means it would take FUSB, only 1.61 years of fcf income to pay off all of its debts.

FUSB has a Debt to FCF ratio of 1.61. This is comparable to the rest of the industry: FUSB outperforms 56.12% of its industry peers.

FUSB has a Debt/Equity ratio of 0.45. This is a healthy value indicating a solid balance between debt and equity.

With a Debt to Equity ratio value of 0.45, FUSB is not doing good in the industry: 75.51% of the companies in the same industry are doing better.

Although FUSB does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.

		Industry Rank	Sector Rank
Debt/Equity	0.45
Debt/FCF	1.61
Altman-Z	N/A

ROIC/WACCN/A

WACC25.55%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FUSB have decreased strongly by -29.25% in the last year.

Measured over the past years, FUSB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.79% on average per year.

Looking at the last year, FUSB shows a decrease in Revenue. The Revenue has decreased by -0.87% in the last year.

The Revenue has been decreasing by -1.25% on average over the past years.

EPS 1Y (TTM)-29.25%

EPS 3Y26.48%

EPS 5Y14.79%

EPS Q2Q%-92.53%

Revenue 1Y (TTM)-0.87%

Revenue growth 3Y-0.63%

Revenue growth 5Y-1.25%

Sales Q2Q%3.14%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.39, which indicates a correct valuation of FUSB.

FUSB's Price/Earnings is on the same level as the industry average.

The average S&P500 Price/Earnings ratio is at 27.67. FUSB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	12.39
Fwd PE	N/A

4.2 Price Multiples

65.56% of the companies in the same industry are more expensive than FUSB, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	10.2
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.84

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.29%, FUSB has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.52, FUSB is paying slightly less dividend.

FUSB's Dividend Yield is comparable with the S&P500 average which is at 2.41.

		Industry Rank	Sector Rank
Dividend Yield	2.29%

5.2 History

On average, the dividend of FUSB grows each year by 19.80%, which is quite nice.

FUSB has been paying a dividend for at least 10 years, so it has a reliable track record.

FUSB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)19.8%

Div Incr Years3

Div Non Decr Years10

5.3 Sustainability

FUSB pays out 25.41% of its income as dividend. This is a sustainable payout ratio.

The dividend of FUSB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP25.41%

EPS Next 2YN/A

EPS Next 3YN/A

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FIRST US BANCSHARES INC

NASDAQ:FUSB (9/30/2025, 3:08:33 PM)

12.02

-0.05 (-0.41%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23

Earnings (Next)10-22 2025-10-22

Inst Owners17.62%

Inst Owner Change-0.96%

Ins Owners14.59%

Ins Owner Change1.54%

Market Cap69.24M

Analysts0

Price TargetN/A

Short Float %0.08%

Short Ratio1

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.29%

Yearly Dividend0.22

Dividend Growth(5Y)19.8%

DP25.41%

Div Incr Years3

Div Non Decr Years10

Ex-Date09-12 2025-09-12 (0.07)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	12.39
Fwd PE	N/A
P/S	1.73
P/FCF	10.2
P/OCF	6.89
P/B	0.68
P/tB	0.73
EV/EBITDA	N/A

EPS(TTM)0.97

EY8.07%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.18

FCFY9.81%

OCF(TTM)1.74

OCFY14.51%

SpS6.93

BVpS17.69

TBVpS16.4

PEG (NY)N/A

PEG (5Y)0.84

Profitability

		Industry Rank	Sector Rank
ROA	0.51%
ROE	5.75%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	14.69%
GM	N/A
FCFM	17.01%

ROA(3y)0.74%

ROA(5y)0.6%

ROE(3y)8.57%

ROE(5y)6.76%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y23.22%

PM growth 5Y13.74%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.45
Debt/FCF	1.61
Debt/EBITDA	N/A
Cap/Depr	187.39%
Cap/Sales	8.16%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	115.79%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC25.55%

ROIC/WACCN/A

Cap/Depr(3y)90.71%

Cap/Depr(5y)71.65%

Cap/Sales(3y)4%

Cap/Sales(5y)3.27%

Profit Quality(3y)123.44%

Profit Quality(5y)152.42%

High Growth Momentum

Growth

EPS 1Y (TTM)-29.25%

EPS 3Y26.48%

EPS 5Y14.79%

EPS Q2Q%-92.53%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-0.87%

Revenue growth 3Y-0.63%

Revenue growth 5Y-1.25%

Sales Q2Q%3.14%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-48.57%

FCF growth 3Y-14.35%

FCF growth 5Y-7.01%

OCF growth 1Y-30.06%

OCF growth 3Y-7.58%

OCF growth 5Y-7.27%

FIRST US BANCSHARES INC (FUSB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens