First us bancshares, inc. FUSB.US Overview
FUSB AI Analysis & Strategy
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FUSB Current Performance
0.23%
First us bancshares, inc.
-0.03%
Avg of Sector
0.14%
S&P500
FUSB Key Information
FUSB Revenue by Segments
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FUSB Net Income
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FUSB Cash Flow
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FUSB Profit Margin
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FUSB PE Ratio River
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FUSB Financial Forecast
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FUSB Earnings Table
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2024Q4 | |||||||
| 2024Q3 | |||||||
| 2024Q2 | |||||||
| 2024Q1 |
FUSB Profile
First 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.
Price of FUSB
FUSB FAQ
When is FUSB's latest earnings report released?
The most recent financial report for First us bancshares, inc. (FUSB) covers the period of 2025Q1 and was published on 2025/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating FUSB's short-term business performance and financial health. For the latest updates on FUSB's earnings releases, visit this page regularly.
Where does FUSB fall in the P/E River chart?
According to historical valuation range analysis, First us bancshares, inc. (FUSB)'s current price-to-earnings (P/E) ratio is 9.17, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
What is the operating profit of FUSB?
According to the latest financial report, First us bancshares, inc. (FUSB) reported an Operating Profit of 2.33M with an Operating Margin of 25.16% this period, representing a decline of 15.66% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
How is FUSB's revenue growth?
In the latest financial report, First us bancshares, inc. (FUSB) announced revenue of 9.24M, with a Year-Over-Year growth rate of -6.67%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
How much debt does FUSB have?
As of the end of the reporting period, First us bancshares, inc. (FUSB) had total debt of 55.89M, with a debt ratio of 0.05. Short-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.
How much cash does FUSB have?
At the end of the period, First us bancshares, inc. (FUSB) held Total Cash and Cash Equivalents of 56.04M, accounting for 0.05 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
Does FUSB go with three margins increasing?
In the latest report, First us bancshares, inc. (FUSB) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 25.16%%, and net margin of 19.2%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess FUSB's profit trajectory and future growth potential.
Is FUSB's EPS continuing to grow?
According to the past four quarterly reports, First us bancshares, inc. (FUSB)'s earnings per share (EPS) shows a declining trend, with the latest EPS at 0.3. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
What is the FCF of FUSB?
First us bancshares, inc. (FUSB)'s Free Cash Flow (FCF) for the period is 2.11M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 1,588.03% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.