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FUSB

First US Bancshares, Inc.

FUSB

First US Bancshares, Inc. • NASDAQ
$13.50 ▼ -0.07% (-0.01)
Market Cap $77.85 M
52w High $14.30
52w Low $10.30
Dividend Yield 0.28%
P/E 14.52
Volume 1.53K
Outstanding Shares 5.77M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $16.141M ▲ $7.437M ▼ $1.936M ▲ 11.994% ▲ $0.33 ▲ $2.954M ▲
Q2-2025 $15.703M ▲ $7.444M ▲ $155K ▼ 0.987% ▼ $0.027 ▼ $601K ▼
Q1-2025 $14.893M ▼ $6.918M ▼ $1.772M ▲ 11.898% ▲ $0.3 $2.764M ▼
Q4-2024 $15.402M ▼ $6.947M ▼ $1.714M ▼ 11.128% ▼ $0.3 ▼ $2.766M ▼
Q3-2024 $15.918M $6.99M $2.222M 13.959% $0.38 $3.353M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $64.928M ▼ $1.147B ▲ $1.043B ▲ $104.238M ▲
Q2-2025 $210.531M ▼ $1.143B ▲ $1.041B ▲ $101.892M ▲
Q1-2025 $217.355M ▲ $1.127B ▲ $1.026B ▲ $101.231M ▲
Q4-2024 $71.098M ▼ $1.101B ▲ $1.002B ▲ $98.624M ▲
Q3-2024 $226.584M $1.1B $1.002B $98.491M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $155K ▼ $3.9M ▲ $-20.568M ▼ $14.582M ▼ $-2.086M ▼ $1.649M ▼
Q1-2025 $1.772M ▲ $1.755M ▼ $-16.318M ▲ $23.388M ▲ $8.825M ▲ $1.685M ▼
Q4-2024 $1.714M ▼ $2.449M ▲ $-38.085M ▼ $543K ▼ $-35.093M ▼ $2.179M ▲
Q3-2024 $2.222M ▲ $1.94M ▼ $11.06M ▲ $11.089M ▲ $24.089M ▲ $1.276M ▼
Q2-2024 $2.127M $2.547M $-14.724M $10.155M $-2.022M $2.348M

Revenue by Products

Product Q2-2021Q3-2021Q4-2021Q2-2025
Operating Segments
Operating Segments
 $0 ▲$0 ▲$0 ▲$0 ▲
Mortgage Banking
Mortgage Banking
 $0 ▲$0 ▲$0 ▲$0 ▲
Service
Service
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement First US Bancshares shows a pattern of slow, steady growth rather than rapid expansion. Revenue has inched up over the past five years, and profitability has gradually improved, especially since the early pandemic period. Earnings per share have trended higher, suggesting the bank has become more efficient at turning its business activity into profit. Margins appear reasonably healthy for a small regional bank, with operating and EBITDA results staying positive and fairly stable. Overall, the income statement points to consistency and incremental improvement, not breakout growth. The main risk is that this kind of modest profile can be sensitive to shifts in interest rates and local economic conditions, which can quickly influence loan demand and funding costs.

Balance Sheet

Balance Sheet The balance sheet has grown at a measured pace, with total assets steadily increasing year after year. Equity has remained solid and relatively stable, which supports a conservative, community-bank profile rather than an aggressively leveraged one. Debt levels appear modest compared with the size of the balance sheet, suggesting the bank is not heavily reliant on borrowing to fund its operations. Cash levels have moved around over the period but do not show signs of undue stress or excessive idle liquidity. In short, the balance sheet looks cautious and incremental, with a focus on controlled asset growth rather than aggressive expansion. Key sensitivities will still be credit quality in the loan book and the bank’s ability to manage deposit and funding costs as markets change.

Cash Flow

Cash Flow Cash generation looks steady and dependable. Operating cash flow has been consistently positive, which aligns with a stable, interest-earning banking model. Free cash flow also appears positive and relatively stable over the period, implying that the bank is not consuming large amounts of cash for expansion or heavy investment. Capital spending has been light, which fits a service-focused, branch-and-digital banking operation rather than a capital-intensive business. This pattern suggests the bank has enough internal cash to support its gradual growth strategy and ongoing technology upgrades, though it also means transformational investments would likely require careful planning or external funding.

Competitive Edge

Competitive Edge First US Bancshares competes as a classic community bank in regional markets, leaning on relationships, local knowledge, and personalized service rather than national scale. Its edge comes from deep roots in the communities it serves and a hands-on approach with individuals and small businesses. Strategic acquisitions of other community banks have helped it expand its footprint while keeping that local feel. Compared with large national and super-regional banks, FUSB is smaller and has fewer resources, especially in advanced technology and marketing. However, against very small local competitors, it can stand out by offering more complete business services such as treasury management. The trade-off is clear: strong relationship-based loyalty and niche strength, but limited scale and potentially higher vulnerability to regional economic swings and funding pressures.

Innovation and R&D

Innovation and R&D The bank is not a technology pioneer, but it has built a solid, practical digital layer on top of its community-banking core. Its “Anywhere Access” platform, mobile and online banking, remote check deposit, and secure in-app chat are in line with what customers now expect from a modern bank, even if they are not unique in the industry. Treasury management tools for businesses add another level of sophistication compared with some very small local peers. The innovation focus is less about inventing new products and more about making standard digital services reliable, accessible, and user-friendly for its customer base. Looking ahead, the likely path is incremental: improving the existing platform, possibly partnering with fintech providers for specialized offerings, and using customer data more intelligently over time. The risk is that digital expectations continue to rise quickly, and a smaller bank like FUSB must balance investment costs with its conservative financial profile.

Summary

Overall, First US Bancshares presents as a steady, relationship-driven community bank that has gradually modernized without changing its core identity. Financially, it shows slow but consistent growth, solid profitability, and a cautious balance sheet with modest leverage. Cash flows are stable, supporting its incremental approach to investment and technology. Competitively, its strength lies in local relationships, customer service, and a reasonable set of digital tools rather than in scale or cutting-edge innovation. The main opportunities are continued disciplined growth in its markets, deeper use of digital channels for both retail and business clients, and selective partnerships to add capabilities. The main risks stem from its small size, reliance on regional economies, sensitivity to interest rate shifts and funding costs, and the ongoing challenge of keeping up with rising digital expectations without overextending its resources.

NEWS

November 19, 2025 · 4:20 PM UTC

First US Bancshares, Inc. Announces Expansion of Share Repurchase Program

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November 19, 2025 · 4:15 PM UTC

FIRST US BANCSHARES, INC. DECLARES CASH DIVIDEND

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October 29, 2025 · 4:15 PM UTC

First US Bancshares, Inc. Reports Third Quarter 2025 Results

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