14 USD
+0.1 (+0.72%)
13.95 USD
-0.05 (-0.36%)
We assign a fundamental rating of 3 out of 10 to FUSB. FUSB was compared to 383 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 expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
- FUSB had positive earnings in the past year.
- In the past year FUSB had a positive cash flow from operations.
- FUSB had positive earnings in each of the past 5 years.
- FUSB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of FUSB (0.49%) is worse than 79.37% of its industry peers.
- The Return On Equity of FUSB (5.35%) is worse than 74.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.49% | ||
| ROE | 5.35% | ||
| 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
- With a Profit Margin value of 13.82%, FUSB is not doing good in the industry: 78.59% of the companies in the same industry are doing better.
- 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) | 13.82% | ||
| 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.
- Compared to 5 years ago, FUSB has less shares outstanding
- The debt/assets ratio for FUSB has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of FUSB is 1.20, which is an excellent value as it means it would take FUSB, only 1.20 years of fcf income to pay off all of its debts.
- FUSB has a better Debt to FCF ratio (1.20) than 61.10% of its industry peers.
- A Debt/Equity ratio of 0.30 indicates that FUSB is not too dependend on debt financing.
- FUSB has a Debt to Equity ratio of 0.30. This is in the lower half of the industry: FUSB underperforms 66.32% of its industry peers.
- Even though the debt/equity ratio score it not favorable for FUSB, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 1.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.72%
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 -33.81%.
- 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.
- FUSB shows a small growth in Revenue. In the last year, the Revenue has grown by 0.80%.
- Measured over the past years, FUSB shows a decrease in Revenue. The Revenue has been decreasing by -1.25% on average per year.
EPS 1Y (TTM)-33.81%
EPS 3Y26.48%
EPS 5Y14.79%
EPS Q2Q%-11.61%
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
- FUSB is valuated correctly with a Price/Earnings ratio of 15.05.
- 64.23% of the companies in the same industry are cheaper than FUSB, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of FUSB to the average of the S&P500 Index (27.47), we can say FUSB is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.05 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- FUSB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FUSB is cheaper than 76.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.86 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.02
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.00%, FUSB has a reasonable but not impressive dividend return.
- FUSB's Dividend Yield is slightly below the industry average, which is at 2.91.
- Compared to an average S&P500 Dividend Yield of 1.89, FUSB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2% |
5.2 History
- The dividend of FUSB is nicely growing with an annual growth rate of 19.80%!
- FUSB has been paying a dividend for at least 10 years, so it has a reliable track record.
- FUSB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)19.8%
Div Incr Years3
Div Non Decr Years10
5.3 Sustainability
- 28.83% 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.
DP28.83%
EPS Next 2YN/A
EPS Next 3YN/A
14
+0.1 (+0.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22
Earnings (Next)01-22 2026-01-22
Inst Owners17.55%
Inst Owner Change0%
Ins Owners15.13%
Ins Owner Change4.25%
Market Cap80.78M
Revenue(TTM)40.35M
Net Income(TTM)5.58M
Analysts0
Price TargetN/A
Short Float %0.1%
Short Ratio0.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2% |
Yearly Dividend0.22
Dividend Growth(5Y)19.8%
DP28.83%
Div Incr Years3
Div Non Decr Years10
Ex-DateN/A
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 | 15.05 | ||
| Fwd PE | N/A | ||
| P/S | 2 | ||
| P/FCF | 8.86 | ||
| P/OCF | 6.55 | ||
| P/B | 0.77 | ||
| P/tB | 0.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.93
EY6.64%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.58
FCFY11.28%
OCF(TTM)2.14
OCFY15.26%
SpS6.99
BVpS18.07
TBVpS16.78
PEG (NY)N/A
PEG (5Y)1.02
Graham Number19.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.49% | ||
| ROE | 5.35% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 13.82% | ||
| GM | N/A | ||
| FCFM | 22.59% |
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 Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 1.2 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 182.36% | ||
| Cap/Sales | 7.97% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 163.42% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC23.72%
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)-33.81%
EPS 3Y26.48%
EPS 5Y14.79%
EPS Q2Q%-11.61%
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-26.91%
FCF growth 3Y-14.35%
FCF growth 5Y-7.01%
OCF growth 1Y-12.19%
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 3 / 10 to FUSB.
What is the valuation status of FIRST US BANCSHARES INC (FUSB) stock?
ChartMill assigns a valuation rating of 2 / 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.
Is the dividend of FIRST US BANCSHARES INC sustainable?
The dividend rating of FIRST US BANCSHARES INC (FUSB) is 5 / 10 and the dividend payout ratio is 28.83%.