FIRST US BANCSHARES INC (FUSB) Fundamental Analysis & Valuation

NASDAQ:FUSB • US33744V1035

Current stock price

16.29 USD
+0.3 (+1.88%)
Last:

This FUSB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. FUSB Profitability Analysis

1.1 Basic Checks

  • FUSB had positive earnings in the past year.
  • FUSB had a positive operating cash flow in the past year.
  • In the past 5 years FUSB has always been profitable.
  • In the past 5 years FUSB always reported a positive cash flow from operatings.
FUSB Yearly Net Income VS EBIT VS OCF VS FCFFUSB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M 10M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.52%, FUSB is doing worse than 82.71% of the companies in the same industry.
  • FUSB has a worse Return On Equity (5.67%) than 79.52% of its industry peers.
Industry RankSector Rank
ROA 0.52%
ROE 5.67%
ROIC N/A
ROA(3y)0.68%
ROA(5y)0.64%
ROE(3y)7.77%
ROE(5y)7.26%
ROIC(3y)N/A
ROIC(5y)N/A
FUSB Yearly ROA, ROE, ROICFUSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2 4 6 8

1.3 Margins

  • Looking at the Profit Margin, with a value of 14.60%, FUSB is doing worse than 82.98% of the companies in the same industry.
  • 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) 14.6%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.84%
PM growth 5Y17.05%
GM growth 3YN/A
GM growth 5YN/A
FUSB Yearly Profit, Operating, Gross MarginsFUSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15 20

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4

2. FUSB Health Analysis

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 remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, FUSB has less shares outstanding
  • FUSB has a better debt/assets ratio than last year.
FUSB Yearly Shares OutstandingFUSB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
FUSB Yearly Total Debt VS Total AssetsFUSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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.
  • With a decent Debt to FCF ratio value of 1.20, FUSB is doing good in the industry, outperforming 60.90% of the companies in the same industry.
  • A Debt/Equity ratio of 0.10 indicates that FUSB is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.10, FUSB is doing good in the industry, outperforming 66.76% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.2
Altman-Z N/A
ROIC/WACCN/A
WACC22.59%
FUSB Yearly LT Debt VS Equity VS FCFFUSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FUSB Yearly Current Assets VS Current LiabilitesFUSB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M

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2

3. FUSB Growth Analysis

3.1 Past

  • FUSB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.59%.
  • Measured over the past years, FUSB shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.07% on average per year.
  • Looking at the last year, FUSB shows a small growth in Revenue. The Revenue has grown by 3.28% in the last year.
  • FUSB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.13% yearly.
EPS 1Y (TTM)-24.59%
EPS 3Y-1.98%
EPS 5Y20.07%
EPS Q2Q%26.17%
Revenue 1Y (TTM)3.28%
Revenue growth 3Y0.46%
Revenue growth 5Y0.13%
Sales Q2Q%7.07%

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.
FUSB Yearly Revenue VS EstimatesFUSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

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2

4. FUSB Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 16.29, FUSB is valued correctly.
  • Based on the Price/Earnings ratio, FUSB is valued a bit more expensive than the industry average as 77.66% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 26.54, FUSB is valued a bit cheaper.
Industry RankSector Rank
PE 16.29
Fwd PE N/A
FUSB Price Earnings VS Forward Price EarningsFUSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • 70.74% of the companies in the same industry are more expensive than FUSB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 10.13
EV/EBITDA N/A
FUSB Per share dataFUSB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.81
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. FUSB Dividend Analysis

5.1 Amount

  • FUSB has a Yearly Dividend Yield of 1.72%.
  • FUSB's Dividend Yield is slightly below the industry average, which is at 2.55.
  • FUSB's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.72%

5.2 History

  • On average, the dividend of FUSB grows each year by 18.77%, 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)18.77%
Div Incr Years4
Div Non Decr Years11
FUSB Yearly Dividends per shareFUSB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • FUSB pays out 26.84% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of FUSB is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP26.84%
EPS Next 2YN/A
EPS Next 3YN/A
FUSB Yearly Income VS Free CF VS DividendFUSB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M 10M
FUSB Dividend Payout.FUSB Dividend Payout, showing the Payout Ratio.FUSB Dividend Payout.PayoutRetained Earnings

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FUSB Fundamentals: All Metrics, Ratios and Statistics

FIRST US BANCSHARES INC

NASDAQ:FUSB (4/29/2026, 8:18:05 PM)

16.29

+0.3 (+1.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength71.43
Industry Growth91.3
Earnings (Last)04-29
Earnings (Next)N/A
Inst Owners18.55%
Inst Owner Change0%
Ins Owners16.12%
Ins Owner Change7.52%
Market Cap92.04M
Revenue(TTM)41.04M
Net Income(TTM)5.99M
Analysts0
Price TargetN/A
Short Float %0.18%
Short Ratio1.06
Dividend
Industry RankSector Rank
Dividend Yield 1.72%
Yearly Dividend0.28
Dividend Growth(5Y)18.77%
DP26.84%
Div Incr Years4
Div Non Decr Years11
Ex-Date03-13
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 RankSector Rank
PE 16.29
Fwd PE N/A
P/S 2.24
P/FCF 10.13
P/OCF 7.47
P/B 0.87
P/tB 0.94
EV/EBITDA N/A
EPS(TTM)1
EY6.14%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.61
FCFY9.87%
OCF(TTM)2.18
OCFY13.39%
SpS7.26
BVpS18.7
TBVpS17.38
PEG (NY)N/A
PEG (5Y)0.81
Graham Number20.5115 (25.91%)
Profitability
Industry RankSector Rank
ROA 0.52%
ROE 5.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.6%
GM N/A
FCFM 22.14%
ROA(3y)0.68%
ROA(5y)0.64%
ROE(3y)7.77%
ROE(5y)7.26%
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 3Y-4.84%
PM growth 5Y17.05%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.2
Debt/EBITDA N/A
Cap/Depr 185.84%
Cap/Sales 7.9%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 151.6%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC22.59%
ROIC/WACCN/A
Cap/Depr(3y)130.31%
Cap/Depr(5y)99.67%
Cap/Sales(3y)5.59%
Cap/Sales(5y)4.38%
Profit Quality(3y)119.21%
Profit Quality(5y)144.88%
High Growth Momentum
Growth
EPS 1Y (TTM)-24.59%
EPS 3Y-1.98%
EPS 5Y20.07%
EPS Q2Q%26.17%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.28%
Revenue growth 3Y0.46%
Revenue growth 5Y0.13%
Sales Q2Q%7.07%
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 1Y60.47%
FCF growth 3Y-6.94%
FCF growth 5Y12.11%
OCF growth 1Y58.81%
OCF growth 3Y-0.55%
OCF growth 5Y15.14%

FIRST US BANCSHARES INC / FUSB Fundamental Analysis 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 for FUSB stock?

ChartMill assigns a valuation rating of 2 / 10 to FIRST US BANCSHARES INC (FUSB). This can be considered as Overvalued.


How profitable is FIRST US BANCSHARES INC (FUSB) stock?

FIRST US BANCSHARES INC (FUSB) has a profitability rating of 3 / 10.


What are the PE and PB ratios of FIRST US BANCSHARES INC (FUSB) stock?

The Price/Earnings (PE) ratio for FIRST US BANCSHARES INC (FUSB) is 16.29 and the Price/Book (PB) ratio is 0.87.


What is the financial health of FIRST US BANCSHARES INC (FUSB) stock?

The financial health rating of FIRST US BANCSHARES INC (FUSB) is 4 / 10.