First US Bancshares, Inc. (FUSB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
First US Bancshares, Inc. (FUSB) trades at $16.53 with AI Score 75/100 (Grade A). First US Bancshares, Inc. is a bank holding company operating through its subsidiary, First US Bank. Market cap: $92.03M, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for FUSB: FUSB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FUSB against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
FUSB: 1/1 perspectives are bullish.
How is this calculated? →First US Bancshares, Inc. (FUSB) Financial Services Profile
First US Bancshares, Inc., operating as First US Bank, provides commercial banking services to small- and medium-sized businesses and individuals. With a network of 15 full-service banking offices across Alabama, Tennessee, and Virginia, the company offers diverse deposit and loan products, positioning itself as a community-focused financial institution within the regional banking sector.
What Is the Investment Thesis for FUSB?
First US Bancshares, Inc. presents a community banking model focused on serving small- to medium-sized businesses and individuals in the Southeast. With a market capitalization of $92.03M and a P/E ratio of 15.4, the company demonstrates steady profitability, supported by a profit margin of 9.7%. A dividend yield of 1.76% provides a modest income stream for investors. Growth catalysts include expansion within its existing geographic footprint and strategic deployment of technology to enhance customer service. Potential risks include interest rate sensitivity and competition from larger regional and national banks. Investors should monitor the company's ability to maintain asset quality and manage operating expenses in a dynamic economic environment.
Based on FMP financials and quantitative analysis
FUSB Key Highlights
- Market capitalization of $92.03M indicates a smaller, community-focused bank.
- P/E ratio of 15.4 suggests the company is reasonably valued compared to its earnings.
- Profit margin of 9.7% demonstrates the company's ability to generate profit from its operations.
- Gross margin of 58.8% reflects efficient management of interest income and expenses.
- Dividend yield of 1.76% provides a modest income stream for investors.
Who Are FUSB's Competitors?
FUSB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| LRBI Lake Ridge Bancorp Inc. | $143.25 | +0.00% | $281.73M | 67 |
| DNBBF DNB Bank ASA | $31.54 | +0.27% | $45.21B | 66 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FUSB's Key Strengths?
- Strong presence in local markets.
- Diversified loan portfolio.
- Experienced management team.
- Personalized customer service.
What Are FUSB's Weaknesses?
- Limited geographic reach.
- Smaller scale compared to larger banks.
- Dependence on local economy.
- Limited digital banking capabilities.
What Could Drive FUSB Stock Higher?
- Potential acquisitions of smaller community banks to expand market presence within the next 12-24 months.
- Continued investment in digital banking platforms to enhance customer experience and attract younger demographics.
- Expansion of commercial lending activities to support small- and medium-sized businesses in local markets.
What Are the Key Risks for FUSB?
- Financial-distress signal — its Altman Z-Score of -0.71 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in Alabama, Tennessee, or Virginia could negatively impact loan portfolio and profitability.
- Rising interest rates could increase borrowing costs and reduce demand for loans.
- Competition from larger regional and national banks could erode market share and profitability.
- Increasing regulatory requirements could increase compliance costs and reduce profitability.
What Are the Growth Opportunities for FUSB?
- Expansion within Existing Markets: First US Bancshares can deepen its market penetration within its existing footprint in Alabama, Tennessee, and Virginia. By opening new branches or expanding loan production offices in underserved areas, the company can attract new customers and increase its loan portfolio. The market for community banking services in these states is estimated at $50 billion, providing ample opportunity for growth. Timeline: Ongoing.
- Digital Banking Initiatives: Investing in digital banking platforms and mobile applications can enhance customer experience and attract younger demographics. By offering convenient online banking services, First US Bancshares can compete with larger banks and fintech companies. The market for digital banking services is growing at a rate of 10% per year, representing a significant growth opportunity. Timeline: Ongoing.
- Strategic Acquisitions: Acquiring smaller community banks or credit unions in adjacent markets can expand First US Bancshares' geographic reach and customer base. Strategic acquisitions can also provide access to new products and services, as well as economies of scale. The market for community bank acquisitions is estimated at $10 billion. Timeline: Upcoming: 12-24 months.
- Commercial Lending Growth: Focusing on commercial lending to small- and medium-sized businesses can drive revenue growth and increase profitability. By providing tailored financing solutions to local businesses, First US Bancshares can establish strong relationships and become a trusted financial partner. The market for commercial lending is estimated at $20 billion. Timeline: Ongoing.
- Wealth Management Services: Offering wealth management services to high-net-worth individuals can generate fee income and diversify revenue streams. By providing financial planning, investment management, and trust services, First US Bancshares can attract affluent clients and increase its assets under management. The market for wealth management services is growing at a rate of 8% per year. Timeline: Upcoming: 18-36 months.
What Opportunities Does FUSB Have?
- Expansion into adjacent markets.
- Investment in digital banking technologies.
- Strategic acquisitions of smaller banks.
- Growth in commercial lending.
What Threats Does FUSB Face?
- Competition from larger regional and national banks.
- Economic downturn in local markets.
- Increasing regulatory requirements.
- Rising interest rates.
What Are FUSB's Competitive Advantages?
- Established presence in local communities.
- Strong relationships with local businesses and individuals.
- Personalized customer service.
- Local market knowledge and expertise.
What Does FUSB Do?
Founded in 1952 and headquartered in Birmingham, Alabama, First US Bancshares, Inc. has evolved into a community-focused bank holding company operating through First US Bank. Originally known as United Security Bancshares, Inc., the company rebranded in October 2016 to First US Bancshares, Inc. The bank provides a comprehensive suite of commercial banking products and services, including non-interest-bearing demand deposits, savings accounts, NOW accounts, money market demand accounts, individual retirement accounts, and time deposits. Its loan portfolio encompasses commercial construction, land development, residential mortgages, commercial real estate, and various consumer loans, including automobile and personal loans. First US Bancshares also offers letters of credit, safe deposit box services, and remote deposit capture. The company targets small- and medium-sized businesses, property managers, business executives, professionals, and other individuals. First US Bancshares operates 15 full-service banking offices located in Alabama, Tennessee, and Virginia, along with loan production offices in Mobile, Alabama, and the Chattanooga, Tennessee area. The company underwrites credit life and credit accident and health insurance reinsurance policies, further diversifying its service offerings.
What Products and Services Does FUSB Offer?
- Provides commercial banking products and services.
- Offers non-interest-bearing demand deposits.
- Provides savings accounts, NOW accounts, and money market demand accounts.
- Offers individual retirement accounts and time deposits.
- Provides commercial construction, land, and land development loans.
- Offers mortgage loans on residential properties and apartment buildings.
- Provides real estate loans secured by commercial and industrial properties.
- Offers secured and unsecured personal loans, including automobile loans.
How Does FUSB Make Money?
- Generates revenue through interest income from loans.
- Collects fees from deposit accounts and other services.
- Underwrites credit life and credit accident and health insurance reinsurance policies.
- Manages risk through diversification of loan portfolio and adherence to regulatory requirements.
What Industry Does FUSB Operate In?
First US Bancshares, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is undergoing digital transformation, with increasing adoption of fintech solutions and online banking services. Regional banks like First US Bancshares face competition from larger national banks and credit unions, as well as emerging fintech companies. The company's success depends on its ability to provide personalized service, maintain strong relationships with its customers, and adapt to changing regulatory requirements. The regional banking sector is influenced by macroeconomic factors such as interest rates, economic growth, and regulatory policies.
Who Are FUSB's Key Customers?
- Small- and medium-sized businesses.
- Property managers.
- Business executives.
- Professionals.
- Other individuals.
Company Profile
First US Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Birmingham, US. The company is led by CEO James F. House. FUSB has traded publicly since 1999.
First US Bancshares, Inc. (FUSB) Valuation Context
Valued at $92.03M, FUSB is classified as a micro-cap stock. Relative to its peer group, FUSB's quantitative score of 75/100 is roughly in line with the peer average of 68/100.
ROE 6%Key Financial Metrics
Return on equity for First US Bancshares, Inc. stands at 5.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. FUSB trades at a trailing price-to-earnings ratio of 15.37, below the Financial Services sector average of ~18x. Its free cash flow yield is 9.7%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.08 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 6.5%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
First US Bancshares, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.71 places it in the distress zone, a signal of elevated financial risk.
FUSB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- La reciente actividad de los insiders ha mostrado un aumento en las compras, lo que indica confianza en el futuro de la empresa.
- El sentimiento de la comunidad ha sido predominantemente positivo, con muchos inversores destacando la solidez del modelo de negocio.
- Se han observado comentarios favorables en foros de inversión, sugiriendo que los analistas ven potencial de crecimiento en el sector bancario.
- Las últimas noticias sobre la expansión de servicios han generado un optimismo significativo entre los inversores.
Bear Case
- A pesar del optimismo, algunos analistas han expresado preocupaciones sobre la competencia creciente en el sector bancario.
- El sentimiento negativo en ciertas plataformas de redes sociales ha aumentado, con inversores cuestionando la gestión actual de la empresa.
- Existen dudas sobre la capacidad de la empresa para adaptarse a las regulaciones cambiantes del sector financiero.
- Las recientes fluctuaciones en el mercado han llevado a algunos a ser cautelosos respecto a las perspectivas a corto plazo de la acción.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
FUSB Latest News
No recent news available for FUSB.
FUSB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FUSB.
Price Targets
Wall Street price target analysis for FUSB.
FUSB MoonshotScore
What does this score mean?
The MoonshotScore rates FUSB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: James F. House
CEO
James F. House serves as the CEO of First US Bancshares, Inc., overseeing the strategic direction and operational management of the company and its subsidiary, First US Bank. His background includes extensive experience in the banking industry, with a focus on community banking and financial services. He is responsible for managing 151 employees. His expertise spans across various facets of banking, including lending, risk management, and regulatory compliance. He is actively involved in community development initiatives, reflecting the bank's commitment to local economic growth.
Track Record: Under James F. House's leadership, First US Bancshares has focused on strengthening its position as a community-focused bank. Key achievements include maintaining a steady profit margin and dividend yield, navigating regulatory changes, and enhancing customer service. Strategic decisions have centered on expanding the bank's presence in existing markets and investing in technology to improve operational efficiency.
Common Questions About FUSB (Financial Services)
What does First US Bancshares, Inc. do?
First US Bancshares, Inc. operates as the bank holding company for First US Bank, providing a range of commercial banking products and services to individuals and businesses. These services include deposit accounts such as checking, savings, and money market accounts, as well as loan products like commercial real estate loans, residential mortgages, and consumer loans. The company focuses on serving the financial needs of its local communities through its network of 15 full-service banking offices across Alabama, Tennessee, and Virginia.
What do analysts say about FUSB stock?
Analyst coverage of First US Bancshares, Inc. (FUSB) is limited, given its size and regional focus. However, key valuation metrics such as its P/E ratio of 15.4 and dividend yield of 1.76% provide some insight. Growth considerations include the company's ability to expand its loan portfolio, manage interest rate risk, and adapt to changing regulatory requirements. Investors should conduct their own due diligence and consider their individual investment objectives before making any investment decisions.
What are the main risks for FUSB?
First US Bancshares, Inc. faces several risks inherent to the banking industry. These include credit risk, interest rate risk, and regulatory risk. Credit risk arises from the possibility of borrowers defaulting on their loans, while interest rate risk stems from fluctuations in interest rates that can impact the company's net interest margin. Regulatory risk involves compliance with banking regulations, which can be costly and complex. Additionally, the company faces competition from larger regional and national banks, as well as potential economic downturns in its local markets.
What are the key factors to evaluate for FUSB?
First US Bancshares, Inc. (FUSB) holds an AI score of 75/100 (high). P/E: 15.4x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does FUSB data refresh on this page?
FUSB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FUSB's recent stock price performance?
First US Bancshares, Inc. (FUSB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong presence in local markets. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FUSB overvalued or undervalued right now?
First US Bancshares, Inc. (FUSB) trades at 15.4x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying FUSB?
Before investing in First US Bancshares, Inc. (FUSB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on publicly available sources and may be subject to change.
- Financial data is as of the latest available reporting period.