FUSB logo

FIRST US BANCSHARES INC

FUSBNASDAQ
πŸ† #4136 by market capUS Equity
$16.55β–² $0.10 (+0.61%)
Market closed Β· at close
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24hβ–² 0.6%
7dβ–² 1.1%
14dβ–² 0.5%
30dβ–² 0.7%
ytdβ–² 20.9%
1yβ–² 37.9%
🏦Market Cap
$91M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+27.6%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
16.1%
Healthy
βš–οΈP/S Ratio
1.3x
Cheap
Otter Score
68
Fair

Trading Snapshot

Day Range
$16.46 – $16.78
52-Week Range
$12.00 – $16.99
Volume
$3.93B
Avg Volume
$3.19B
Shares Outstanding
5.5M
Next Earnings
Dec 9, 2026

Fundamentals Snapshot

Annual Revenue
$63M
Last Q Revenue
$16M
P/E Ratio
11.8
P/S Ratio
1.3x
EPS (TTM)
$1.32
Dividend Yield
1.73%
Dilution (1yr)
+2.5%

Why Investors Own FUSB

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

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

FUSB logo

FIRST US BANCSHARES INC

FUSB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$63Mβ–² +1.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
58.7%β–Ό βˆ’7.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$8Mβ–Ό βˆ’26.2% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$9Mβ–² +60.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
6.1Mβ–² +2.5% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$63Mβ–² +$36M YoY
StockOtter Β· stockotter.space

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
68/100

Analyst Price Target

β“˜
Average Target
$17.91
β–² +8.2% Upside
High Target$20.28
Low Target$15.90
Based on 31 analysts

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