First US Bancshares, Inc. (FUSB)
Valuation Overview•Is First US Bancshares, Inc. Overvalued or Undervalued?
The market is pricing the stock in line with historical averages, assuming steady-state growth.
Moderate quality score of 48/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Average quality business weighed down by significant growth concerns.
Wall Street sentiment is generally neutral. This is paired with healthy capital returns, driven by a balanced mix of reliable dividends and share buybacks.
FUSB demonstrates adequate business quality with stable profitability. This is backed by a fortress balance sheet, holding significant net cash ($63M) and minimal debt risk.
The company maintains stable top-line performance however, earnings have severely contracted over the same period. Operating efficiency remains adequate with margins around 12.6%.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $15.8M | +1.9% | — | — | +6.2% | |
| EBITDA | $2.9M | — | -4.0% | — | — | |
| Net Income | $1.9M | -26.7% | -4.4% | — | +8.7% | |
| EPS (Diluted) | $0.33 | -25.6% | -2.3% | +19.9% | +9.2% | |
| Free Cash Flow | $3.6M | +60.5% | -6.9% | +12.1% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 58.8% | 64.6% | 73.1% | 78.5% |
| Operating Margin | 12.6% | 16.7% | 16.7% | 12.2% |
| Net Margin | 9.7% | 12.6% | 12.7% | 8.7% |
| FCF Margin | 14.0% | 14.7% | 18.1% | 12.4% |
Total return is +25.6% (1Y), outperforming the benchmark by +4.7%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +18.0% | +10.7% | — |
| 1Y | +25.6% | +4.7% | +2.1% |
| 3YCAGR | +26.8% | +6.0% | +8.9% |
| 5YCAGR | +8.2% | -3.1% | +8.9% |
| 10YCAGR | +7.5% | -6.0% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about First US Bancshares, Inc. (FUSB) valuation, health, and returns.
Based on peer relative multiples, First US Bancshares, Inc. appears Fair versus peers compared to industry peers.
First US Bancshares, Inc. has multiple valuation anchors: Peer Relative Fair Value: $17.56. A convergence of these signals offers higher conviction.
First US Bancshares, Inc. displays fair financial health with a composite quality score of 48/100, supported by a Piotroski F-Score of 6/9, Return on Invested Capital (ROIC) of 5.0%.
First US Bancshares, Inc. pays a 1.6% dividend yield, covered by a 27% payout ratio with 4 years of growth, supplemented by a 1.9% buyback yield.
First US Bancshares, Inc.'s current growth trajectory is Accelerating. The company achieved +1.9% 1Y revenue growth and -25.6% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 0 analysts. The consensus price target represents a N/A change from current levels.
Investment risks for First US Bancshares, Inc. include: -18.4% 1-year max drawdown. Volatility risk is characterized by a beta of 0.07x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.