FIRST US BANCSHARES INC (FUSB) Stock Fundamental Analysis

NASDAQ:FUSB • US33744V1035

15.25 USD
-0.1 (-0.65%)
Last: Feb 20, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

FUSB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 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 is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

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.
  • Each year in the past 5 years FUSB has been profitable.
  • Of the past 5 years FUSB 4 years 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 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 0.49%, FUSB is doing worse than 79.95% of the companies in the same industry.
  • With a Return On Equity value of 5.35%, FUSB is not doing good in the industry: 75.20% 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

  • FUSB has a Profit Margin of 13.82%. This is in the lower half of the industry: FUSB underperforms 79.16% of its industry peers.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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 about the same amout of shares outstanding than it did 1 year ago.
  • FUSB has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, FUSB has an improved debt to assets ratio.
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.
  • FUSB has a better Debt to FCF ratio (1.20) than 61.48% of its industry peers.
  • FUSB has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.30, FUSB is not doing good in the industry: 65.17% of the companies in the same industry are doing better.
  • 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 0.3
Debt/FCF 1.2
Altman-Z N/A
ROIC/WACCN/A
WACC22.75%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

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
  • Looking at the last year, FUSB shows a small growth in Revenue. The Revenue has grown by 3.28% in the last year.
  • The Revenue has been growing slightly by 0.13% on average over the past years.
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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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 15.25, which indicates a correct valuation of FUSB.
  • 69.13% of the companies in the same industry are cheaper than FUSB, based on the Price/Earnings ratio.
  • FUSB is valuated rather cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.25
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 73.61% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.54
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)0.76
EPS Next 2YN/A
EPS Next 3YN/A

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

6

5. Dividend

5.1 Amount

  • FUSB has a Yearly Dividend Yield of 1.79%.
  • FUSB's Dividend Yield is slightly below the industry average, which is at 2.74.
  • Compared to an average S&P500 Dividend Yield of 1.81, FUSB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.79%

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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • 28.83% of the earnings are spent on dividend by FUSB. This is a low number and sustainable payout ratio.
  • FUSB's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept 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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Find the best dividend stocksShow peers with best dividend

FIRST US BANCSHARES INC

NASDAQ:FUSB (2/20/2026, 8:00:01 PM)

15.25

-0.1 (-0.65%)

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 Cap86.92M
Revenue(TTM)41.04M
Net Income(TTM)5.58M
Analysts0
Price TargetN/A
Short Float %0.13%
Short Ratio0.71
Dividend
Industry RankSector Rank
Dividend Yield 1.79%
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 15.25
Fwd PE N/A
P/S 2.15
P/FCF 9.54
P/OCF 7.05
P/B 0.83
P/tB 0.9
EV/EBITDA N/A
EPS(TTM)1
EY6.56%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.6
FCFY10.48%
OCF(TTM)2.16
OCFY14.18%
SpS7.08
BVpS18.29
TBVpS16.98
PEG (NY)N/A
PEG (5Y)0.76
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
WACC22.75%
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%.