First US Bancshares, Inc. (FUSB)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 40 | 40 | 40 | 41 | 40 | 41 | 42 | - |
| Operating profit | $m | 8 | 10 | ||||||
| Net profit | $m | 3 | 4 | 7 | 8 | 8 | 6 | 8 | - |
| EPS reported | $ | 0.99 | 1.31 | ||||||
| Operating cashflow per share | $ | 2.12 | 2.00 | ||||||
| Capex per share | $ | 0.56 | 0.84 | ||||||
| FCF per share | $ | 1.56 | 1.16 | ||||||
| Free cash flow | $m | 9 | 7 | ||||||
| Net debt | $m | -73 | -141 | ||||||
| Book value equity | $m | 106 | 104 | ||||||
| Book value per share | $ | 17.44 | 17.69 | ||||||
| Number of shares | m | 6.06 | 5.89 | ||||||
| DPS (TTM paid) | $ | 0.28 | 0.28 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 14.11 | 12.56 | ||||||
| P/B LTM | x | 0.77 | 0.78 | ||||||
| P/S LTM | x | 1.98 | 1.94 | ||||||
| P/FCF LTM | x | 8.95 | 12.24 | ||||||
| EV/EBITDA LTM | x | 1.94 | 1.57 | ||||||
| EV/Sales LTM | x | 0.30 | 1.81 | ||||||
| Earnings Yield LTM | % | +7.09% | +7.96% | ||||||
| FCF Yield | % | +11.18% | +8.17% | ||||||
| Quality | |||||||||
| ROE | % | +5.67% | +7.41% | ||||||
| ROIC | % | +4.82% | +0.68% | ||||||
| Operating margin | % | +12.60% | +15.81% | ||||||
| Gross margin | % | +58.75% | +62.09% | ||||||
| FCF/Sales | % | +14.42% | +10.35% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -25.56% | -1.50% | ||||||
| Sales Growth YoY | % | +3.28% | +5.24% | ||||||
| Net Income Growth YoY | % | -26.66% | -4.98% | ||||||
| FCF Growth | % | +60.47% | +17.29% | ||||||
| Operating Profit Growth | % | -26.20% | -5.69% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.98% | +1.70% | ||||||
| Dividend Growth | % | +27.27% | +27.27% | ||||||
| Payout Ratio | % | +26.81% | +20.24% | ||||||
| FCF/Debt | x | 0.83 | 0.18 | ||||||
| Net Debt/EBITDA | x | -6.50 | 2.04 | ||||||
| EBIT/Net interest | x | 0.36 | 0.45 | ||||||
| Net debt/market cap | % | +13.47% | +39.27% | ||||||
| Net debt/Equity | x | -0.69 | -1.35 | ||||||
| Gross debt/equity | x | 0.10 | 0.35 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
First US Bancshares, Inc. (FUSB)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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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