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Company Analysis

First US Bancshares, Inc. FUSB

A comprehensive view of key metrics, scores, and financial health for First US Bancshares, Inc.

Overview of First US Bancshares, Inc.

FUSB NCM
Financial Services Banks - Regional Micro Cap
First US Bancshares, Inc. (FUSB), is a Micro Cap company, in the Banks - Regional industry, last closed at $14.97, about 21.9% undervalued vs fair value, +11.7% 1Y return, ranked 745/1004 in sector.
$14.97
-0.20%
As of March 13, 2026
Previous close • Vol 90d: 29.9%
52-Week Range
Market Cap
$86.33M
Enterprise Value
$87.87M
Overall Score
Scores locked

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Top Beats

Quick Facts

HQ Birmingham, AL
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$10
$18
$34
Current: $14.97 +22% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$58.3M
10.3%%
Interest Expense
$22.0M
Net Interest Income
$36.1M
-3.2%%
Total Revenue
$63.0M
58.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.3%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$2.9M
35.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First US Bancshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
49
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
44
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FUSB's balance between Growth (41.4%), Profitability (24.9%), and Safety (33.6%). Growth 41% Safety 34% Profitability 25%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

50th percentile vs peers
50
Key Signals
Rev Growth YoY 58.6% 53p Asset Growth YoY 4.9% 56p Revenue CAGR 3Y 16.3% 40p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

30th percentile vs peers
30
Key Signals
Strengths
Risks
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Safety

40th percentile vs peers
41
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First US Bancshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$18.25
- - -
+21.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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