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FIRST US BANCSHARES INC (FUSB) Stock Fundamental Analysis

NASDAQ:FUSB - Nasdaq - US33744V1035 - Common Stock - Currency: USD

12.96  -0.22 (-1.67%)

Fundamental Rating

3

FUSB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. The financial health of FUSB is average, but there are quite some concerns on its profitability. FUSB does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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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.
Each year in the past 5 years FUSB had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M

1.2 Ratios

The Return On Assets of FUSB (0.70%) is worse than 61.83% of its industry peers.
FUSB's Return On Equity of 7.74% is in line compared to the rest of the industry. FUSB outperforms 45.29% of its industry peers.
Industry RankSector Rank
ROA 0.7%
ROE 7.74%
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
FUSB Yearly ROA, ROE, ROICFUSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8

1.3 Margins

FUSB has a Profit Margin of 19.79%. This is in the lower half of the industry: FUSB underperforms 63.10% 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 RankSector Rank
OM N/A
PM (TTM) 19.79%
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
FUSB Yearly Profit, Operating, Gross MarginsFUSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20

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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.
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.
FUSB Yearly Shares OutstandingFUSB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
FUSB Yearly Total Debt VS Total AssetsFUSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

FUSB has a debt to FCF ratio of 1.45. This is a very positive value and a sign of high solvency as it would only need 1.45 years to pay back of all of its debts.
FUSB has a better Debt to FCF ratio (1.45) than 62.60% of its industry peers.
A Debt/Equity ratio of 0.55 indicates that FUSB is somewhat dependend on debt financing.
The Debt to Equity ratio of FUSB (0.55) is worse than 79.39% 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 RankSector Rank
Debt/Equity 0.55
Debt/FCF 1.45
Altman-Z N/A
ROIC/WACCN/A
WACC24.62%
FUSB Yearly LT Debt VS Equity VS FCFFUSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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3. Growth

3.1 Past

The earnings per share for FUSB have decreased by -4.50% in the last year.
The Earnings Per Share has been growing by 14.79% on average over the past years. This is quite good.
FUSB shows a decrease in Revenue. In the last year, the revenue decreased by -1.91%.
The Revenue has been decreasing by -1.25% on average over the past years.
EPS 1Y (TTM)-4.5%
EPS 3Y26.48%
EPS 5Y14.79%
EPS Q2Q%-12.9%
Revenue 1Y (TTM)-1.91%
Revenue growth 3Y-0.63%
Revenue growth 5Y-1.25%
Sales Q2Q%-1.39%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.13, which indicates a very decent valuation of FUSB.
Based on the Price/Earnings ratio, FUSB is valued a bit cheaper than 72.77% of the companies in the same industry.
FUSB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.25.
Industry RankSector Rank
PE 10.13
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

Based on the Price/Free Cash Flow ratio, FUSB is valued a bit cheaper than 60.05% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.93
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)0.68
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

FUSB has a Yearly Dividend Yield of 2.12%.
FUSB's Dividend Yield is slightly below the industry average, which is at 3.33.
FUSB's Dividend Yield is comparable with the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 2.12%

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
FUSB Yearly Dividends per shareFUSB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

17.56% 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.
DP17.56%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M
FUSB Dividend Payout.FUSB Dividend Payout, showing the Payout Ratio.FUSB Dividend Payout.PayoutRetained Earnings

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FIRST US BANCSHARES INC

NASDAQ:FUSB (8/1/2025, 4:04:03 PM)

12.96

-0.22 (-1.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23
Earnings (Next)10-22 2025-10-22
Inst Owners17.45%
Inst Owner Change-0.1%
Ins Owners14.6%
Ins Owner Change5.42%
Market Cap74.39M
Analysts0
Price TargetN/A
Short Float %0.09%
Short Ratio1.74
Dividend
Industry RankSector Rank
Dividend Yield 2.12%
Yearly Dividend0.22
Dividend Growth(5Y)19.8%
DP17.56%
Div Incr Years3
Div Non Decr Years10
Ex-Date06-13 2025-06-13 (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 RankSector Rank
PE 10.13
Fwd PE N/A
P/S 1.88
P/FCF 9.93
P/OCF 8.56
P/B 0.73
P/tB 0.79
EV/EBITDA N/A
EPS(TTM)1.28
EY9.88%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.3
FCFY10.07%
OCF(TTM)1.51
OCFY11.68%
SpS6.9
BVpS17.64
TBVpS16.34
PEG (NY)N/A
PEG (5Y)0.68
Profitability
Industry RankSector Rank
ROA 0.7%
ROE 7.74%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.79%
GM N/A
FCFM 18.91%
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-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF 1.45
Debt/EBITDA N/A
Cap/Depr 69.86%
Cap/Sales 3.04%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 95.57%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC24.62%
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)-4.5%
EPS 3Y26.48%
EPS 5Y14.79%
EPS Q2Q%-12.9%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.91%
Revenue growth 3Y-0.63%
Revenue growth 5Y-1.25%
Sales Q2Q%-1.39%
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-46.48%
FCF growth 3Y-14.35%
FCF growth 5Y-7.01%
OCF growth 1Y-43.08%
OCF growth 3Y-7.58%
OCF growth 5Y-7.27%