FIRST US BANCSHARES INC (FUSB)

US33744V1035 - Common Stock

10.4  -0.05 (-0.48%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FUSB. FUSB was compared to 412 industry peers in the Banks industry. FUSB scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. FUSB has a valuation in line with the averages, but it does not seem to be growing.



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3

1. Profitability

1.1 Basic Checks

In the past year FUSB was profitable.
In the past year FUSB had a positive cash flow from operations.
Each year in the past 5 years FUSB has been profitable.
FUSB had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

FUSB's Return On Assets of 0.79% is in line compared to the rest of the industry. FUSB outperforms 43.93% of its industry peers.
FUSB has a Return On Equity of 9.36%. This is comparable to the rest of the industry: FUSB outperforms 52.18% of its industry peers.
Industry RankSector Rank
ROA 0.79%
ROE 9.36%
ROIC N/A
ROA(3y)0.65%
ROA(5y)0.57%
ROE(3y)7.46%
ROE(5y)6.18%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

FUSB has a worse Profit Margin (20.81%) than 63.11% of its industry peers.
FUSB's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for FUSB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 20.81%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y46.35%
PM growth 5Y26.24%
GM growth 3YN/A
GM growth 5YN/A

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4

2. Health

2.1 Basic Checks

FUSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FUSB has less shares outstanding
The number of shares outstanding for FUSB has been reduced compared to 5 years ago.
The debt/assets ratio for FUSB has been reduced compared to a year ago.

2.2 Solvency

FUSB has a debt to FCF ratio of 0.93. This is a very positive value and a sign of high solvency as it would only need 0.93 years to pay back of all of its debts.
The Debt to FCF ratio of FUSB (0.93) is better than 76.94% of its industry peers.
A Debt/Equity ratio of 0.23 indicates that FUSB is not too dependend on debt financing.
FUSB's Debt to Equity ratio of 0.23 is in line compared to the rest of the industry. FUSB outperforms 50.49% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 0.93
Altman-Z N/A
ROIC/WACCN/A
WACC19.51%

2.3 Liquidity

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

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 26.38% over the past year.
Measured over the past years, FUSB shows a very strong growth in Earnings Per Share. The EPS has been growing by 29.17% on average per year.
The Revenue has been growing slightly by 0.56% in the past year.
Measured over the past years, FUSB shows a small growth in Revenue. The Revenue has been growing by 1.22% on average per year.
EPS 1Y (TTM)26.38%
EPS 3Y49.28%
EPS 5Y29.17%
EPS growth Q2Q2.76%
Revenue 1Y (TTM)0.56%
Revenue growth 3Y-0.04%
Revenue growth 5Y1.22%
Revenue growth Q2Q-5.42%

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

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.76, which indicates a rather cheap valuation of FUSB.
78.40% of the companies in the same industry are more expensive than FUSB, based on the Price/Earnings ratio.
FUSB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.28.
Industry RankSector Rank
PE 7.76
Fwd PE N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FUSB is valued cheaper than 86.89% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.19
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.27
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.91%, FUSB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.78, FUSB is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.41, FUSB is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.91%

5.2 History

On average, the dividend of FUSB grows each year by 20.37%, 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 in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)20.37%
Div Incr Years2
Div Non Decr Years9

5.3 Sustainability

13.86% of the earnings are spent on dividend by FUSB. This is a low number and sustainable payout ratio.
The dividend of FUSB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP13.86%
EPS Next 2YN/A
EPS Next 3YN/A

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FIRST US BANCSHARES INC

NASDAQ:FUSB (5/3/2024, 7:00:01 PM)

10.4

-0.05 (-0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap60.22M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 1.91%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 7.76
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.27
Profitability
Industry RankSector Rank
ROA 0.79%
ROE 9.36%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 20.81%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)26.38%
EPS 3Y49.28%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)0.56%
Revenue growth 3Y-0.04%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y