First US Bancshares, Inc. (FUSB) AI Stock Analysis

First US Bancshares, Inc. operates as a bank holding company overseeing First US Bank, providing commercial banking services to small and medium-sized businesses, property managers, professionals, and individuals. Its deposit offerings include non-interest-bearing demand deposits, savings accounts, money market accounts, time deposits, and individual retirement accounts. The company's lending activities encompass commercial construction loans, land development loans, residential mortgages, loans secured by office complexes and retail centers, and personal loans secured by vehicles, furniture, and recreational vehicles. Headquartered in Birmingham, Alabama, the company maintains 15 full-service banking offices across Alabama, Tennessee, and Virginia, along with loan production offices.

Revenue rose from $43.4M in FY2021 to $63.0M in FY2025, reflecting a 5-year revenue CAGR of 6.9%. Annual net income peaked at $8.5M in FY2023 before declining to $6.0M in FY2025, while gross margin compressed from 88.6% in FY2021 to 58.7% in FY2025. Operating margin also fell to 12.6% in FY2025 from 20.3% in FY2022. For the trailing twelve months ended June 30, 2026, revenue stood at $39.8M with an operating margin of 22.6% and a net profit margin of 19.5%. In the quarter ended June 30, 2026, quarterly revenue grew 29.9% year-over-year, while quarterly earnings grew 1064.8% year-over-year.

As of June 30, 2026, First US Bancshares held $177.3M in cash and short-term investments and $36.0M in total debt, resulting in net cash of $141.3M. Total assets reached $1.15B, supported by $104.3M in shareholders' equity and a debt-to-equity ratio of 0.35, alongside a current ratio of 0.63. In FY2025, operating cash flow was $12.3M and free cash flow was $9.1M after capital expenditures of $3.2M. Capital deployment in FY2025 included $1.8M spent on share buybacks and $1.6M paid in dividends, contributing to a 13.9% reduction in share count over 5 years.

At a closing price of $16.48 on October 16, 2026, First US Bancshares trades at a trailing P/E of 12.5x and a forward P/E of 8.7x, compared to medians of 12.1x and 10.8x for US-listed Financial Services peers. The stock trades at a price-to-book ratio of 0.9x and a price-to-sales multiple of 2.3x, which is below the peer median of 3.2x. Over the past year, the stock gained 36.9%, outperforming the S&P 500 return of 16.8%, while its 5-year return of 72.5% trailed the S&P 500 return of 83.0%.

First US Bancshares pays a quarterly dividend with a forward annual rate of $0.28, representing a dividend yield of 1.70% and a payout ratio of 21.2%. The company has paid dividends for 13 consecutive years and posted an annualized 5-year dividend growth rate of 18.5%. Its last ex-dividend date was September 11, 2026.

First US Bancshares has no analyst recommendations, price targets, or forward earnings per share consensus estimates reported. The company's next earnings date is scheduled for November 4, 2026. Trailing twelve-month diluted earnings per share reached $1.32 as of June 30, 2026.

This page is an AI-written research summary of First US Bancshares, Inc. (FUSB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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