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First US Bancshares, Inc.(FUSB)Earnings, Financials & Key Ratios
FUSB•NASDAQ•Banking & Credit
$16.35
16.5× P/E·Price updated Jun 25, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutFirst US Bancshares, Inc. operates as the bank holding company for First US Bank that provides commercial banking products and services. The company offers non-interest-bearing demand deposits, savings accounts, NOW accounts, money market demand accounts, individual retirement accounts, and time deposits. Its loan products include commercial construction, land, and land development loans comprising residential housing, commercial and industrial use property development loans, raw land purchase and improvement loans, and agricultural production loans; mortgage loans on residential properties and apartment buildings; real estate loans secured by commercial and industrial properties, office or mixed-use facilities, strip shopping centers, or other commercial property; loans and leases to commercial customers; and secured and unsecured personal loans, including automobile loans and other direct consumer installment loans. The company also provides loans secured by personal property items, such as furniture, ATVs, and home appliances, as well as recreational vehicles, boats, and cargo trailers. In addition, it provides letters of credit; and safe deposit box and remote deposit capture services, as well as underwrites credit life, and credit accident and health insurance reinsurance policies. The company serves small-and medium-sized businesses, property managers, business executives, professionals, and other individuals. It operates 15 full-service banking offices in Birmingham, Butler, Calera, Centreville, Gilbertown, Grove Hill, Harpersville, Jackson, Thomasville, Tuscaloosa, and Woodstock, Alabama; Knoxville and Powell, Tennessee; and Rose Hill, Virginia, as well as loan production offices in Mobile, Alabama, and the Chattanooga, Tennessee area. The company was formerly known as United Security Bancshares, Inc. and changed its name to First US Bancshares, Inc. in October 2016. First US Bancshares, Inc. was founded in 1952 and is headquartered in Birmingham, Alabama.Show more
- Net Interest Income$37M+3.6%
- Total Revenue$63M+1.9%
- Net Income$6M-26.7%
- Return on Equity5.87%-32.1%
- Net Interest Margin3.24%-1.2%
- Efficiency Ratio46.15%+0.6%
- ROA0.53%-29.3%
- Equity / Assets9.15%+2.1%
- Book Value per Share17.44+8.2%
FUSB Price & Volume
First US Bancshares, Inc. (FUSB) stock price & volume — 10-year historical chart
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Stagnant Asset Growth Masks Credit Portfolio Volatility
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial Position:Healthy
Cash Flow:Stable
Primary Risk:Consumer credit portfolio volatility
"First US Bancshares faces a challenging outlook characterized by stagnant net interest income growth and persistent operational overhead, with efficiency ratios hovering near 46.5%. While the bank maintains a fortress-like capital structure with an equity-to-assets ratio of 0.09, its reliance on a $1.0 billion investment securities portfolio and exposure to volatile consumer credit risks may limit upside potential. Investors should monitor whether management can deploy excess liquidity to improve returns, as current ROE remains compressed at 1.8%."
Verdict Logic
while the stock trades at a 0.96 P/B ratio, the combination of a 0.8% NIM and significant provisioning spikes, such as the $2.7 million recorded in 2025Q2, warrants a cautious approach until core profitability stabilizes.
FUSB Growth Metrics
First US Bancshares, Inc. (FUSB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.23%
5 Years6.93%
3 Years12.41%
TTM-
Profit CAGR
10 Years8.73%
5 Years17.22%
3 Years-4.43%
TTM-21.31%
EPS CAGR
10 Years9.22%
5 Years19.87%
3 Years-2.25%
TTM-19.88%
Return on Capital
10 Years5.86%
5 Years8.09%
3 Years8.84%
Last Year6.58%
Peers Comparison
Key metrics vs top competitors for First US Bancshares, Inc. (FUSB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $16.35 | $91.02M | 16.52 | 1.86% | 9.51% | 5.87% | 1.62% | |
| $22.82 | $220.08M | 15.63 | -9.41% | 16.49% | 8% | — | |
| $30.39 | $185.3M | 9.90 | 8.26% | 19.68% | 12.22% | — | |
| $47.34 | $450.65M | 10.52 | -3.87% | 31.77% | 18.18% | — | |
| $74.33 | $358.26M | 23.75 | -6.46% | 12.83% | 7.33% | — | |
| $81.19 | $1.98B | 12.57 | 5.2% | 27.72% | 12.39% | — |
Compare FUSB vs Peers
First US Bancshares, Inc. (FUSB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FUSB SEC Filings & Documents
First US Bancshares, Inc. (FUSB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FUSB Frequently Asked Questions
First US Bancshares, Inc. (FUSB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is First US Bancshares, Inc. growing?
First US Bancshares, Inc. (FUSB) grew revenue by 1.9% over the past year. Growth has been modest.
Is FUSB profitable?
Yes, First US Bancshares, Inc. (FUSB) is profitable, generating $6.2M in net income for fiscal year 2025 (9.5% net margin).
Dividend & Returns
Does FUSB pay dividends?
Yes, First US Bancshares, Inc. (FUSB) pays a dividend with a yield of 1.62%. This makes it attractive for income-focused investors.
What is FUSB's return on equity?
First US Bancshares, Inc. (FUSB) has a return on equity (ROE) of 5.9%. This is below average, suggesting room for improvement.
Industry Metrics
What is First US Bancshares, Inc.'s net interest margin?
First US Bancshares, Inc. (FUSB) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
What is First US Bancshares, Inc.'s efficiency ratio?
First US Bancshares, Inc. (FUSB) has an efficiency ratio of 46.1%. This is excellent, indicating strong cost control.