FIRST US BANCSHARES INC (FUSB) Fundamental Analysis & Valuation

NASDAQ:FUSB • US33744V1035

15 USD
+0.1 (+0.67%)
Last: Mar 11, 2026, 01:42 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

We assign a fundamental rating of 3 out of 10 to FUSB. FUSB was compared to 381 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. FUSB Profitability Analysis

1.1 Basic Checks

  • In the past year FUSB was profitable.
  • FUSB had a positive operating cash flow in the past year.
  • 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

  • Looking at the Return On Assets, with a value of 0.49%, FUSB is doing worse than 82.15% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 5.35%, FUSB is doing worse than 77.17% of the companies in the same industry.
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

  • Looking at the Profit Margin, with a value of 13.82%, FUSB is doing worse than 80.31% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FUSB has grown nicely.
  • 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) 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.
  • 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.
  • FUSB has a better Debt to FCF ratio (1.20) than 63.52% of its industry peers.
  • A Debt/Equity ratio of 0.30 indicates that FUSB is not too dependend on debt financing.
  • FUSB's Debt to Equity ratio of 0.30 is on the low side compared to the rest of the industry. FUSB is outperformed by 64.83% 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 0.3
Debt/FCF 1.2
Altman-Z N/A
ROIC/WACCN/A
WACC23.04%
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. FUSB Growth Analysis

3.1 Past

  • The earnings per share for FUSB have decreased strongly by -24.93% in the last year.
  • 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

  • The Price/Earnings ratio is 15.00, which indicates a correct valuation of FUSB.
  • Based on the Price/Earnings ratio, FUSB is valued a bit more expensive than 73.75% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FUSB to the average of the S&P500 Index (26.25), we can say FUSB is valued slightly cheaper.
Industry RankSector Rank
PE 15
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FUSB indicates a somewhat cheap valuation: FUSB is cheaper than 71.13% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.38
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

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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 1.89%.
  • FUSB's Dividend Yield is slightly below the industry average, which is at 2.86.
  • 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 1.89%

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 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 2026 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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FUSB Fundamentals: All Metrics, Ratios and Statistics

FIRST US BANCSHARES INC

NASDAQ:FUSB (3/11/2026, 1:42:24 PM)

15

+0.1 (+0.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-28
Inst Owners18.39%
Inst Owner Change3.65%
Ins Owners15.81%
Ins Owner Change7.52%
Market Cap85.50M
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 1.89%
Yearly Dividend0.22
Dividend Growth(5Y)19.8%
DP28.83%
Div Incr Years3
Div Non Decr Years10
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 15
Fwd PE N/A
P/S 2.12
P/FCF 9.38
P/OCF 6.93
P/B 0.82
P/tB 0.88
EV/EBITDA N/A
EPS(TTM)1
EY6.67%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.6
FCFY10.66%
OCF(TTM)2.16
OCFY14.42%
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
WACC23.04%
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%.