13.83 USD
+0.13 (+0.95%)
Taking everything into account, FUSB scores 2 out of 10 in our fundamental rating. FUSB was compared to 387 industry peers in the Banks industry. FUSB has a bad profitability rating. Also its financial health evaluation is rather negative. FUSB is valued expensive and it does not seem to be growing.
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.
Each year in the past 5 years FUSB had a positive operating cash flow.
1.2 Ratios
FUSB's Return On Assets of 0.51% is on the low side compared to the rest of the industry. FUSB is outperformed by 76.49% of its industry peers.
FUSB has a worse Return On Equity (5.75%) than 74.16% 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
FUSB has a Profit Margin of 14.69%. This is in the lower half of the industry: FUSB underperforms 78.04% of its industry peers.
FUSB's Profit Margin has improved in the last couple of years.
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
2. Health
2.1 Basic Checks
FUSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FUSB has been reduced compared to 1 year ago.
FUSB has less shares outstanding than it did 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 1.61. This is a very positive value and a sign of high solvency as it would only need 1.61 years to pay back of all of its debts.
With a Debt to FCF ratio value of 1.61, FUSB perfoms like the industry average, outperforming 55.04% of the companies in the same industry.
A Debt/Equity ratio of 0.45 indicates that FUSB is not too dependend on debt financing.
FUSB has a Debt to Equity ratio of 0.45. This is in the lower half of the industry: FUSB underperforms 74.94% of its industry peers.
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
WACC23.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FUSB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -33.74%.
FUSB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.79% yearly.
FUSB shows a small growth in Revenue. In the last year, the Revenue has grown by 0.80%.
FUSB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.25% yearly.
EPS 1Y (TTM)-33.74%
EPS 3Y26.48%
EPS 5Y14.79%
EPS Q2Q%-11.33%
Revenue 1Y (TTM)0.8%
Revenue growth 3Y-0.63%
Revenue growth 5Y-1.25%
Sales Q2Q%4.32%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.87, FUSB is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of FUSB indicates a slightly more expensive valuation: FUSB is more expensive than 67.96% of the companies listed in the same industry.
FUSB is valuated rather cheaply when we compare the Price/Earnings ratio to 26.37, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.87 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FUSB is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.75 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.01
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
FUSB has a Yearly Dividend Yield of 2.07%. Purely for dividend investing, there may be better candidates out there.
FUSB's Dividend Yield is slightly below the industry average, which is at 3.15.
FUSB's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
5.2 History
On average, the dividend of FUSB grows each year by 19.80%, which is quite nice.
FUSB has paid a dividend for at least 10 years, which is 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
25.41% 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 the earnings are growing slower. This means the dividend growth is not sustainable.
DP25.41%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:FUSB (12/3/2025, 8:00:01 PM)
13.83
+0.13 (+0.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners17.62%
Inst Owner Change0.92%
Ins Owners14.59%
Ins Owner Change2.71%
Market Cap79.80M
Revenue(TTM)40.35M
Net Income(TTM)5.86M
Analysts0
Price TargetN/A
Short Float %0.08%
Short Ratio0.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
Yearly Dividend0.22
Dividend Growth(5Y)19.8%
DP25.41%
Div Incr Years3
Div Non Decr Years10
Ex-Date
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 | 14.87 | ||
| Fwd PE | N/A | ||
| P/S | 2 | ||
| P/FCF | 11.75 | ||
| P/OCF | 7.94 | ||
| P/B | 0.78 | ||
| P/tB | 0.84 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.93
EY6.72%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.18
FCFY8.51%
OCF(TTM)1.74
OCFY12.59%
SpS6.92
BVpS17.66
TBVpS16.37
PEG (NY)N/A
PEG (5Y)1.01
Graham Number19.22
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
ROICexgc growth 3YN/A
ROICexgc 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
WACC23.75%
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)-33.74%
EPS 3Y26.48%
EPS 5Y14.79%
EPS Q2Q%-11.33%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.8%
Revenue growth 3Y-0.63%
Revenue growth 5Y-1.25%
Sales Q2Q%4.32%
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 FAQ
Can you provide the ChartMill fundamental rating for FIRST US BANCSHARES INC?
ChartMill assigns a fundamental rating of 2 / 10 to FUSB.
Can you provide the valuation status for FIRST US BANCSHARES INC?
ChartMill assigns a valuation rating of 1 / 10 to FIRST US BANCSHARES INC (FUSB). This can be considered as Overvalued.
What is the profitability of FUSB stock?
FIRST US BANCSHARES INC (FUSB) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for FUSB stock?
The Price/Earnings (PE) ratio for FIRST US BANCSHARES INC (FUSB) is 14.87 and the Price/Book (PB) ratio is 0.78.