First US Bancshares, Inc. (FUSB) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
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.
Analysis Summary
First US Bancshares, Inc. reported revenue of $63.0M in the most recent fiscal year, growing at a 5-year CAGR of 6.9%. Net income reached $6.0M, with a 17.2% 5-year CAGR.
Trailing-twelve-month margins: gross margin 62.1%, operating margin 15.8%, net margin 12.1%. Free cash flow grew at 12.1% CAGR over 5 years.
At the current price of $16.45, FUSB trades at a P/E of 12.19 and an ROE of 7.41%. Market capitalisation stands at $92M.
Balance sheet quality for FUSB: current ratio of 0.1, net cash position of $73.0M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $9.1M represents 152% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $16.45 |
| Market Cap | $92M |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 12.19 |
| Price / Book | 0.90 |
| EV / EBITDA | 9.76 |
| Dividend Yield | 1.70% |
Profitability
| Return on Equity | 7.41% |
| Return on Invested Capital | 0.68% |
| Return on Assets | 0.68% |
| Gross Margin | 62.09% |
| Operating Margin | 15.81% |
| Net Margin | 12.10% |
Financial Health
| Debt / Equity | 0.35 |
| Current Ratio | 0.63 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| FUSB | First US Bancshares, Inc. | $92M | 12.19 | 0.90 | 7.4% |
| 0O84.L | DNB Bank ASA | $480.5B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $114.8B | 13.22 | 1.73 | 13.9% |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 12.92 | 1.48 | 12.3% |
Price Performance
| 1 month | -1.61% |
| 3 months | -0.30% |
| Year-to-date | +17.75% |
| 1 year | +29.53% |
| 3 years | +90.17% |
| 5 years | +43.92% |
52-Week Range
| 52-week High | $16.99 |
| 52-week Low | $12.00 |
| Avg Volume (90d) | 12K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-09-11 | $0.0700 | 1.70% |
| 2026-06-12 | $0.0700 | 1.70% |
| 2026-03-13 | $0.0700 | 1.70% |
| 2025-12-12 | $0.0700 | 1.70% |
| 2025-09-12 | $0.0700 | 1.70% |
| 2025-06-13 | $0.0700 | 1.70% |
| 2025-03-14 | $0.0700 | 1.70% |
| 2024-12-13 | $0.0700 | 1.70% |
| 2024-09-13 | $0.0500 | 1.22% |
| 2024-06-07 | $0.0500 | 1.22% |
Related companies: AUBN · BOTJ · CASH · CPBI · FDSB · FGBI · FNWB
Explore sector: Financial Services · Banks - Regional
More sections of FUSB: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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