First US Bancshares Inc. Common Stock (FUSB)

FairStock Score: 52/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at First US Bancshares as a small, 152-employee community bank holding company. At the close on 2026-10-13, the price was $16.51, giving a market cap of $90.9M. FairStock calculates a P/E of 12.51, a P/B of 0.87, and a dividend yield of 1.70%. The beta is 0.24, so it behaves defensively. The attraction is the below-book price and the steady dividend. The problem is quality: FairStock's ROE is only 7.53%, and ROCE is 0.68%. In fiscal 2025, filed net income was $6.0M and diluted EPS $1.00, down from $8.2M and $1.33 in fiscal 2024 and $8.5M and $1.33 in fiscal 2023. That is a real earnings decline, even though FairStock classifies it as a STALWART because profit grew 17.2% a year over five years. The latest filed quarter, fiscal Q2 2026, showed net income of $1.8M and diluted EPS $0.31, roughly similar to fiscal Q1 2026's $1.9M and $0.33. Piotroski is 4/9, so financial momentum is only average. As a bank, I cannot use FCF or Graham Number; I need CET1, net interest margin, nonperforming loans, reserves, and efficiency ratio, none of which are in the data. The filed revenue lines—$277,000 in fiscal Q2 2026 and $1.1M in fiscal 2025—look inconsistent with net income, so I would want an explanation. Graham would call this potentially cheap; Buffett would ask about durable returns and underwriting. With a low ROE and unproven credit metrics, it is a modest value candidate, not a high-quality compounder.

In plain English: First US Bancshares is a small community bank holding company with about 152 employees. Its profits have been modest and dipped in fiscal 2025 compared with the prior two years, but the stock trades below what its balance sheet suggests it is worth and pays a small dividend. The price looks somewhat cheap against earnings and accounting value, but the bank's returns are low and the recent profit trend is not clearly strong.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer