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Home CompaniesFirst US Bancshares Inc

First US Bancshares Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
16.45 USD -0.10 ( 0.60%)
Last update at 2026-11-12T15:38:00Z
VOLUME
203
Market Cap
91.41M
P/E
15.85

Momentum Score

…

First US Bancshares, Inc. operates as the bank holding company for First US Bank that provides commercial banking products and services in the United States. It offers non-interest-bearing demand deposits, savings accounts, NOW accounts, money market demand accounts, individual retirement accounts, and time deposits. The company's loan products include commercial construction, land, and land development loans, including residential housing projects, commercial and industrial development, and for purchase and improvement of raw land for agricultural production; mortgage loans on one-to-four family and multi-family residential properties; real estate loans secured by commercial and industrial properties, office or mixed-use facilities, strip shopping centers, and other commercial properties; commercial and industrial loans and leases; and secured and unsecured personal loans, including automobile loans, loans for household and personal purposes, and other direct consumer installment loans. It also provides loans secured by collateral. In addition, the company offers letters of credit; and safe deposit box and remote deposit capture services. It serves small-and medium-sized businesses, property managers, business executives, professionals, and other individuals. The company was formerly known as United Security Bancshares, Inc. and changed its name to First US Bancshares, Inc. in October 2016. First US Bancshares, Inc. was founded in 1952 and is headquartered in Birmingham, Alabama.

Source: TradingView
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Day Price Range
16.45
Low
16.45
High
52 Week Price Range
10.14
Low
16.08
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

First US Bancshares Inc operates as a regional bank holding company, providing deposit, lending and related financial services through its banking subsidiary to consumers and businesses in its local markets. Long-term growth may be supported by organic loan and deposit expansion, potential net interest margin improvement in favorable rate environments and fee-income diversification, and the company may appeal to investors seeking exposure to a locally focused banking franchise with potential for steady cash flow.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
16.55
Dividend Yield
1.78%
Revenue TTM
37.01M
Revenue Per Share
6.36
Gross Profit TTM
37.01M
Debt / Equity
0.10
ROE
5.87%
Net Debt
1.54M
ROCE
0.79%
Diluted EPS TTM
1.00

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 7.94M 10.75M 11.27M 9.01M 5.73M
Net income 5.99M 8.17M 8.48M 6.86M 4.45M
Selling general administrative 19.07M 17.35M 18.13M 16.42M 20.99M
Selling and marketing expenses - - 19.55M 0.19M 0.17M
Gross profit 37.01M 39.11M 40.40M 0.62M 40.49M
Reconciled depreciation 1.74M 1.71M 1.81M 1.88M 2.03M
Ebit 7.94M 10.75M 11.27M 13.27M 5.73M
Ebitda 9.63M 12.47M 13.05M 15.15M 7.76M
Depreciation and amortization 1.70M 1.71M 1.78M 1.88M 2.03M
Operating income 7.94M 10.75M 11.27M 13.27M 5.73M
Other operating expenses 55.06M 51.09M 44.90M 1.06M -34.77M
Interest expense 21.96M 22.11M 15.46M 4.26M 2.95M
Tax provision 1.94M 2.58M 2.71M 2.15M 1.27M
Interest income 59.41M 58.26M 50.48M 41.20M 39.92M
Net interest income 37.46M 36.15M 38.13M 36.94M 36.97M
Income tax expense 1.94M 2.58M 2.79M 2.15M 1.27M
Total revenue 62.99M 61.84M 56.17M 0.62M 40.49M
Total operating expenses 29.07M 28.36M 29.12M 1.06M -34.77M
Cost of revenue 25.99M 22.73M 15.78M - -
Total other income expense net - -27.79M 0.02M -4.26M -2.95M
Net income from continuing ops 5.99M 8.17M 8.44M 6.86M 4.45M
Net income applicable to common shares - - - 6.86M 4.45M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1154.79M 1101.09M 1074.84M 994.67M 958.30M
Intangible assets - 0.05M 0.17M 0.37M 0.63M
Other current assets - - 64.61M 1.77M 596.11M
Total liab 1049.14M 1002.46M 984.25M 909.53M 868.24M
Total stockholder equity 105.65M 98.62M 90.59M 85.14M 90.06M
Other current liab 153.00M 972.56M 328.92M -20.64M -10.27M
Common stock 0.08M 0.08M 0.07M 0.07M 0.07M
Capital stock 0.08M 0.08M 0.07M 0.07M 0.07M
Retained earnings 121.25M 116.86M 109.96M 104.46M 98.43M
Other liab - - - 6.17M 9.19M
Good will 7.43M 7.43M 7.43M 7.43M 7.43M
Other assets 939.67M 886.69M 0.00M 665.81M 596.11M
Cash 9.40M 47.22M 50.28M 30.15M 61.24M
Total current liabilities 156.34M 984.31M 339.70M 20.64M 10.27M
Current deferred revenue - - -2.03M - -
Net debt 1.54M -26.34M -27.43M 0.61M -40.55M
Short term debt 0.80M 10.00M 10.78M 20.04M 10.05M
Short long term debt 0.00M 10.00M 10.00M 20.04M 10.05M
Short long term debt total 10.95M 20.87M 22.85M 30.76M 20.70M
Other stockholder equity -14.90M -13.97M -13.01M -12.16M -8.16M
Property plant equipment - - - 25.12M 25.12M
Total current assets 181.39M 74.69M 64.61M 163.96M 194.68M
Long term investments 168.54M 168.57M 136.67M 132.66M 134.32M
Net tangible assets - - - 77.33M 82.00M
Short term investments 168.07M 23.88M 135.56M 130.79M 130.88M
Net receivables 3.92M 3.59M 3.98M 3.01M 2.56M
Long term debt 10.95M 10.87M 10.80M 10.73M 10.65M
Inventory - - 9.01M 0.77M 2.15M
Accounts payable 2.53M 1.75M 2.03M 0.61M 0.22M
Accumulated other comprehensive income -0.78M -4.34M -6.43M -7.24M -0.28M
Common stock total equity - - - 0.07M -
Retained earnings total equity - - - 104.46M -
Treasury stock - - - -26.67M -
Non currrent assets other -1000.45M 36.57M 930.48M -164.90M -167.51M
Non current assets total 33.72M 1026.40M 1010.23M 164.90M 167.51M
Long term debt total - - - 10.73M -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 6.53M -30.35M -53.92M -82.02M -44.71M
Change to liabilities - - - 0.08M 0.00M
Total cashflows from investing activities -28.12M -30.35M -60.45M -80.20M -108.31M
Net borrowings -10.00M 0.00M -10.04M 9.99M 10.68M
Total cash from financing activities 42.13M 19.52M 67.51M 36.58M 65.32M
Change to operating activities - - - 0.42M 0.78M
Net income 5.99M 8.17M 8.48M 6.86M 4.45M
Change in cash 26.33M -3.06M 20.13M -31.09M -33.17M
Begin period cash flow 47.22M 50.28M 30.15M 61.24M 94.42M
End period cash flow 73.55M 47.22M 50.28M 30.15M 61.24M
Total cash from operating activities 12.32M 7.76M 13.07M 12.53M 9.82M
Depreciation 1.74M 1.71M 1.78M 1.88M 2.03M
Other cashflows from investing activities -34.43M 0.75M -56.70M 3.08M 0.27M
Dividends paid 1.61M 1.26M 1.18M -0.83M -0.74M
Change to account receivables -0.33M 0.39M -0.96M -0.46M 0.25M
Sale purchase of stock -1.76M -1.64M -1.42M -4.48M -0.53M
Other cashflows from financing activities 55.50M 22.43M -0.03M 41.89M 66.59M
Change to netincome - - - 3.22M 2.31M
Capital expenditures 3.24M 2.10M 1.46M 1.26M 0.82M
Change receivables - - - -0.46M -
Cash flows other operating - - - 2.35M -
Cash and cash equivalents changes - - - -31.09M -
Change in working capital 0.51M -2.95M 0.10M -0.04M 1.03M
Stock based compensation 0.74M 0.62M 0.60M 0.48M 0.44M
Other non cash items 3.28M -0.37M 1.97M 3.70M 2.27M
Free cash flow 9.08M 5.66M 11.60M 11.27M 9.00M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
FUSB
First US Bancshares Inc		 -0.10
0.60%		 16.45 15.85 8.69 2.47 0.84 2.43
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83 8.22

Profile*

First US Bancshares Inc

First US Bancshares, Inc. operates as the bank holding company for First US Bank that provides commercial banking products and services in the United States. It offers non-interest-bearing demand deposits, savings accounts, NOW accounts, money market demand accounts, individual retirement accounts, and time deposits. The company's loan products include commercial construction, land, and land development loans, including residential housing projects, commercial and industrial development, and for purchase and improvement of raw land for agricultural production; mortgage loans on one-to-four family and multi-family residential properties; real estate loans secured by commercial and industrial properties, office or mixed-use facilities, strip shopping centers, and other commercial properties; commercial and industrial loans and leases; and secured and unsecured personal loans, including automobile loans, loans for household and personal purposes, and other direct consumer installment loans. It also provides loans secured by collateral. In addition, the company offers letters of credit; and safe deposit box and remote deposit capture services. It serves small-and medium-sized businesses, property managers, business executives, professionals, and other individuals. The company was formerly known as United Security Bancshares, Inc. and changed its name to First US Bancshares, Inc. in October 2016. First US Bancshares, Inc. was founded in 1952 and is headquartered in Birmingham, Alabama.

3291 U.S. Highway 280, Birmingham, AL, United States, 35243

205 582 1200

https://www.fusb.com

152

Name Title Year Born
Mr. James F. House Pres, CEO & Non Independent Director 1952
Mr. Thomas S. Elley VP, CFO, Principal Accounting Officer, Treasurer & Assistant Sec. 1972
Mr. William Christopher Mitchell Sr. Exec. VP of Consumer Banking of First US Bank 1966
Mr. J. Daniel Matheson III Sr. VP & Investment Officer 1958
Ms. Beverly J. Dozier VP, Corp. Sec. & Assistant Treasurer 1965
Mr. Eric H. Mabowitz Exec. VP & Chief Risk Officer of First US Bank 1959
Mr. Anthony G. Cashio Exec. VP & Chief Risk Officer of First US Bank 1950
Mr. James F. House President, CEO & Vice Chairperson of the Board 1952
Mr. Thomas S. Elley VP, CFO, Principal Accounting Officer, Treasurer & Assistant Secretary 1972
Mr. William Christopher Mitchell Senior Executive Vice President of Consumer Lending of First US Bank 1966

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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