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FIRST US BANCSHARES INC

FUSBNASDAQ
๐Ÿ† #3214 by market capUS Equity
$16.45โ–ผ $0.28 (โˆ’1.73%)
Market closed ยท at close
1hโ€”
24hโ–ผ 1.7%
7dโ–ผ 0.3%
14dโ–ผ 0.3%
30dโ–ฒ 0.6%
1yโ–ฒ 26.9%
๐ŸฆMarket Cap
$91M
Small Cap
๐Ÿ“ˆRevenue Growth (YoY)
+27.6%
High Growth
๐Ÿ“ŠGross Margin
โ€”
๐Ÿ’ตFCF Margin
16.3%
Healthy
โš–๏ธP/S Ratio
1.3x
Cheap
Otter Score
67
Fair

Trading Snapshot

Day Range
$16.36 โ€“ $16.68
52-Week Range
$10.30 โ€“ $16.99
Volume
$3.93B
Avg Volume
$3.19B
Shares Outstanding
5.5M
Next Earnings
Oct 21, 2026

Fundamentals Snapshot

Annual Revenue
$63M
Last Q Revenue
$16M
P/E Ratio
11.7
P/S Ratio
1.3x
EPS (TTM)
$1.32
Dividend Yield
1.77%

Why Investors Own FUSB

  • โœ“High-growth profile โ€” revenue up -7.4% YoY with expanding US Equity exposure.
  • โœ“Healthy economics โ€” 70% gross margin and 12% free-cash-flow margin.
  • โœ“New products and segments could unlock additional revenue streams.
โš ๏ธ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$63Mโ–ผ โˆ’9.1% YoY
Gross Margin (TTM)
70.3%โ–ฒ +1.3% YoY
Operating Income (TTM)
$12Mโ–ผ โˆ’9.1% YoY
Free Cash Flow (TTM)
$8Mโ–ผ โˆ’9.1% YoY

About FIRST US BANCSHARES INC

First US Bancshares, Inc. functions as the holding company for First US Bank, which delivers a comprehensive suite of commercial banking products and services. Its deposit offerings encompass demand accounts, including non-interest-bearing options, interest-bearing NOW accounts, savings and money market accounts, individual retirement accounts, and various time deposit products. The company's diverse lending portfolio extends to commercial and real estate financing, personal credit, and business-focused loans and leases. This includes specialized financing for commercial construction, land acquisition, and development projects, such as residential housing, commercial and industrial properties, raw land purchases, and agricultural production. It also provides residential mortgages for individual homes and multi-family apartment complexes, alongside real estate loans for various commercial and industrial properties like office buildings, mixed-use facilities, retail centers, and other business premises. Beyond property, the bank offers general loans and equipment leases to commercial clients. Personal lending options range from secured and unsecured consumer installment loans, notably auto loans, to specific financing backed by personal assets such as furniture, all-terrain vehicles (ATVs), home appliances, recreational vehicles (RVs), boats, and cargo trailers. Further services include issuing letters of credit, providing secure safe deposit box facilities, offering remote deposit capture for businesses, and underwriting reinsurance policies for credit life, accident, and health insurance. The institution caters to a broad spectrum of clients, from small and medium-sized businesses and property managers to business executives, professionals, and individual consumers. First US Bank maintains a substantial physical presence, operating 15 full-service banking offices situated across Birmingham, Butler, Calera, Centreville, Gilbertown, Grove Hill, Harpersville, Jackson, Thomasville, Tuscaloosa, and Woodstock in Alabama; Knoxville and Powell in Tennessee; and Rose Hill in Virginia. Additionally, it operates loan production offices in Mobile, Alabama, and within the greater Chattanooga, Tennessee area. Established in 1952, the company was initially known as United Security Bancshares, Inc., before officially adopting the name First US Bancshares, Inc. in October 2016. Its corporate headquarters are located in Birmingham, Alabama.

๐Ÿฆฆ

Otter Score Breakdown

โ“˜
๐Ÿ’ŽQualityโ˜…โ˜…โ˜…โ˜…โ˜…
๐Ÿš€Growthโ˜…โ˜…โ˜…โ˜…โ˜…
โš–๏ธValuationโ˜…โ˜…โ˜…โ˜…โ˜…
โšกMomentumโ˜…โ˜…โ˜…โ˜…โ˜…
Overall Score
Fair
67/100

Analyst Price Target

โ“˜
Average Target
$17.81
โ–ฒ +8.2% Upside
High Target$20.16
Low Target$15.81
Based on 31 analysts

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