FIRST US BANCSHARES INC (FUSB) Fundamental Analysis & Valuation

NASDAQ:FUSB • US33744V1035

15.03 USD
+0.23 (+1.55%)
Last: Mar 6, 2026, 08:21 PM
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This FUSB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Taking everything into account, FUSB scores 3 out of 10 in our fundamental rating. FUSB was compared to 379 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.


Dividend Valuation Growth Profitability Health

2

1. FUSB Profitability Analysis

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 4 of the past 5 years.
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

  • FUSB has a worse Return On Assets (0.49%) than 81.27% of its industry peers.
  • With a Return On Equity value of 5.35%, FUSB is not doing good in the industry: 75.99% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.49%
ROE 5.35%
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

  • With a Profit Margin value of 13.82%, FUSB is not doing good in the industry: 79.95% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of FUSB has grown nicely.
  • 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) 13.82%
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.
  • FUSB has about the same amout of shares outstanding than it did 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.
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

  • FUSB has a debt to FCF ratio of 1.20. This is a very positive value and a sign of high solvency as it would only need 1.20 years to pay back of all of its debts.
  • The Debt to FCF ratio of FUSB (1.20) is better than 61.74% of its industry peers.
  • A Debt/Equity ratio of 0.30 indicates that FUSB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.30, FUSB is doing worse than 65.44% of the companies in the same industry.
  • Although FUSB's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 RankSector Rank
Debt/Equity 0.3
Debt/FCF 1.2
Altman-Z N/A
ROIC/WACCN/A
WACC22.97%
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 -24.93%.
  • The Earnings Per Share has been growing by 20.11% on average over the past years. This is a very strong growth
  • The Revenue has been growing slightly by 3.28% in the past 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)-24.93%
EPS 3Y-1.92%
EPS 5Y20.11%
EPS Q2Q%24.61%
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 15.03, FUSB is valued correctly.
  • Based on the Price/Earnings ratio, FUSB is valued a bit more expensive than the industry average as 71.77% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 26.29, FUSB is valued a bit cheaper.
Industry RankSector Rank
PE 15.03
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 the industry average as 72.30% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.4
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)0.75
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

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

6

5. FUSB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.82%, FUSB has a reasonable but not impressive dividend return.
  • FUSB's Dividend Yield is slightly below the industry average, which is at 2.73.
  • Compared to an average S&P500 Dividend Yield of 1.82, FUSB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.82%

5.2 History

  • The dividend of FUSB is nicely growing with an annual growth rate of 19.80%!
  • FUSB has paid a dividend for at least 10 years, which is 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
FUSB Yearly Dividends per shareFUSB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • FUSB pays out 28.83% 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.
DP28.83%
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 (3/6/2026, 8:21:42 PM)

15.03

+0.23 (+1.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-28
Inst Owners17.55%
Inst Owner Change3.65%
Ins Owners15.13%
Ins Owner Change7.52%
Market Cap85.67M
Revenue(TTM)41.04M
Net Income(TTM)5.58M
Analysts0
Price TargetN/A
Short Float %0.11%
Short Ratio0.72
Dividend
Industry RankSector Rank
Dividend Yield 1.82%
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 RankSector Rank
PE 15.03
Fwd PE N/A
P/S 2.12
P/FCF 9.4
P/OCF 6.95
P/B 0.82
P/tB 0.89
EV/EBITDA N/A
EPS(TTM)1
EY6.65%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.6
FCFY10.64%
OCF(TTM)2.16
OCFY14.39%
SpS7.08
BVpS18.29
TBVpS16.98
PEG (NY)N/A
PEG (5Y)0.75
Graham Number20.28
Profitability
Industry RankSector 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)0.68%
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 0.3
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
WACC22.97%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-24.93%
EPS 3Y-1.92%
EPS 5Y20.11%
EPS Q2Q%24.61%
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 1Y80.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y67.31%
OCF growth 3YN/A
OCF growth 5YN/A

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 2 / 10.


Is the dividend of FIRST US BANCSHARES INC sustainable?

The dividend rating of FIRST US BANCSHARES INC (FUSB) is 6 / 10 and the dividend payout ratio is 28.83%.