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    First US Bancshares (FUSB)

    Market Price (11/6/2026): $16.41 | Market Cap: $84.3 MilSector: Financials | Industry: Regional Banks

    First US Bancshares (FUSB)

    Market Price (11/6/2026): $16.41
    Market Cap: $84.3 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.4%, FCF Yield is 9.4%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -30%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 27%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 21%

    Low stock price volatility
    Vol 12M is 25%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology.

    Trading close to highs
    Dist 52W High is -3.2%, Dist 3Y High is -3.2%

    Weak revenue growth
    Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.5%

    Key risks
    FUSB key risks include [1] potential credit losses driven by its heightened exposure to commercial real estate lending.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.4%, FCF Yield is 9.4%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -30%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 27%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 21%
    3 Low stock price volatility
    Vol 12M is 25%
    4 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology.
    5 Trading close to highs
    Dist 52W High is -3.2%, Dist 3Y High is -3.2%
    6 Weak revenue growth
    Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.5%
    7 Key risks
    FUSB key risks include [1] potential credit losses driven by its heightened exposure to commercial real estate lending.

    FUSB in ETFs

    Weight = FUSB's share of each fund

    VTI0.00%
    DFAC0.00%
    DFAS0.00%

    Valuation & Metrics

    null
    FUSBS&P 500
    REVENUE GROWTHPOOR
    Rev LTM ($ Bil)0.0
    Rev Chg Q4.8%8.9%
    Rev Chg LTM4.8%8.6%
    Rev Chg 3Y Avg0.5%6.4%
    PROFITABILITYFAIR
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.0
    Net Inc LTM ($ Bil)0.0
    CFO/Rev LTM27.4%21.5%
    Net Inc Mgn18.6%13.5%
    VALUATIONLOW
    P/S2.23.2
    P/CFO8.115.1
    P/FCF10.620.2
    P/E11.922.3

    AI Analysis | Feedback

    MetricValueDateSource
    Nonperforming assets to total assets0.19%9302025Link
    Employee Count15112312024Link
    Number of Full-Service Banking Offices1511052025Link

    Price Chart

    No Events

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 11/1/2026

    First US Bancshares (FUSB) stock has remained largely at the same level since 7/31/2026 because of the following key factors:

    1. Positive Fiscal Q3 2026 Earnings and Net Interest Margin Expansion.

    First US Bancshares reported diluted earnings per share (EPS) of $0.36 for fiscal Q3 2026, representing a 16.1% increase from $0.31 in fiscal Q2 2026. Net income for the quarter was $2.0 million. Complementing this, the net interest margin (NIM) improved to 3.66% in fiscal Q3 2026, up from 3.56% in fiscal Q2 2026. This demonstrates improved profitability and efficiency, providing fundamental support to the stock.

    2. Strategic Share Repurchase Program.

    The company actively engaged in a share repurchase program during fiscal Q3 2026, buying back 390,000 shares at a weighted average price of $16.43 per share, totaling approximately $6.4 million. This capital allocation strategy signals management's confidence in the company's valuation and can provide a floor for the stock price by reducing the number of outstanding shares, thereby boosting EPS.

    Show more
    Updated on 11/1/2026

    First US Bancshares (FUSB) stock has remained largely at the same level since 7/31/2026 because of the following key factors:

    1. Positive Fiscal Q3 2026 Earnings and Net Interest Margin Expansion.

    First US Bancshares reported diluted earnings per share (EPS) of $0.36 for fiscal Q3 2026, representing a 16.1% increase from $0.31 in fiscal Q2 2026. Net income for the quarter was $2.0 million. Complementing this, the net interest margin (NIM) improved to 3.66% in fiscal Q3 2026, up from 3.56% in fiscal Q2 2026. This demonstrates improved profitability and efficiency, providing fundamental support to the stock.

    2. Strategic Share Repurchase Program.

    The company actively engaged in a share repurchase program during fiscal Q3 2026, buying back 390,000 shares at a weighted average price of $16.43 per share, totaling approximately $6.4 million. This capital allocation strategy signals management's confidence in the company's valuation and can provide a floor for the stock price by reducing the number of outstanding shares, thereby boosting EPS.

    3. Loan Portfolio Contraction Offsetting Margin Gains.

    Despite the expansion in net interest margin, First US Bancshares experienced a decrease in its total loan portfolio, which fell by $15.6 million, or 1.8%, during fiscal Q3 2026 compared to fiscal Q2 2026. While deposits increased by $17.1 million, the contraction in loans could temper future net interest income growth, partially neutralizing the positive impact from improved margins and contributing to the stock's sideways movement.

    4. Mixed Macroeconomic Headwinds and Tailwinds for Regional Banks.

    The broader regional banking sector operated within a mixed macroeconomic environment during fiscal Q3 2026. While higher interest rates generally contributed to improved net interest income and margins for regional banks, concerns persisted regarding sticky inflation and a spike in long-term bond yields following the Federal Reserve's 25-basis-point rate hike in September 2026. This created a balanced scenario where positive financial performance from rate benefits was somewhat counteracted by broader economic uncertainties, preventing significant upward or downward shifts in stock valuations for banks like FUSB.

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    Stock Movement Drivers

    Fundamental Drivers

    The 0.1% change in FUSB stock from 7/31/2026 to 11/5/2026 was primarily driven by a 24.4% change in the company's Net Income Margin (%).
    (LTM values as of)731202611052026Change
    Stock Price ($)16.4316.450.1%
    Change Contribution By: 
    Total Revenues ($ Mil)41421.2%
    Net Income Margin (%)14.9%18.6%24.4%
    P/E Multiple15.312.0-21.8%
    Shares Outstanding (Mil)661.7%
    Cumulative Contribution0.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2026 to 11/5/2026
    ReturnCorrelation
    FUSB0.1% 
    Market (SPY)-1.9%-1.4%
    Sector (XLF)1.0%18.7%

    Fundamental Drivers

    The 0.6% change in FUSB stock from 4/30/2026 to 11/5/2026 was primarily driven by a 27.2% change in the company's Net Income Margin (%).
    (LTM values as of)430202611052026Change
    Stock Price ($)16.3616.450.6%
    Change Contribution By: 
    Total Revenues ($ Mil)41421.9%
    Net Income Margin (%)14.6%18.6%27.2%
    P/E Multiple15.912.0-24.6%
    Shares Outstanding (Mil)663.0%
    Cumulative Contribution0.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 11/5/2026
    ReturnCorrelation
    FUSB0.6% 
    Market (SPY)2.3%-4.8%
    Sector (XLF)10.7%12.0%

    Fundamental Drivers

    The 28.3% change in FUSB stock from 10/31/2025 to 11/5/2026 was primarily driven by a 26.4% change in the company's Net Income Margin (%).
    (LTM values as of)1031202511052026Change
    Stock Price ($)12.8316.4528.3%
    Change Contribution By: 
    Total Revenues ($ Mil)40424.8%
    Net Income Margin (%)14.7%18.6%26.4%
    P/E Multiple12.712.0-6.2%
    Shares Outstanding (Mil)663.3%
    Cumulative Contribution28.3%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2025 to 11/5/2026
    ReturnCorrelation
    FUSB28.3% 
    Market (SPY)8.4%3.4%
    Sector (XLF)11.1%12.0%

    Fundamental Drivers

    The 105.4% change in FUSB stock from 10/31/2023 to 11/5/2026 was primarily driven by a 104.1% change in the company's P/E Multiple.
    (LTM values as of)1031202311052026Change
    Stock Price ($)8.0116.45105.4%
    Change Contribution By: 
    Total Revenues ($ Mil)41421.3%
    Net Income Margin (%)19.8%18.6%-6.3%
    P/E Multiple5.912.0104.1%
    Shares Outstanding (Mil)666.1%
    Cumulative Contribution105.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2023 to 11/5/2026
    ReturnCorrelation
    FUSB105.4% 
    Market (SPY)81.3%1.4%
    Sector (XLF)85.5%5.7%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    FUSB Return19%-17%22%24%13%19%102%
    Peers Return20%2%1%19%3%13%69%
    S&P 500 Return27%-19%24%23%16%12%105%

    Monthly Win Rates [3]
    FUSB Win Rate58%50%50%50%58%64% 
    Peers Win Rate67%46%48%56%52%51% 
    S&P 500 Win Rate75%42%67%75%67%45% 

    Max Drawdowns [4]
    FUSB Max Drawdown-21%-38%-34%-20%-21%-7% 
    Peers Max Drawdown-26%-24%-32%-15%-23%-15% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: SSB, RNST, HOMB, TRMK, PNFP.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 11/5/2026 (YTD)

    How Low Can It Go

    EventFUSBS&P 500
    2023 SVB Regional Banking Crisis
      % Loss-34.1%-6.7%
      % Gain to Breakeven51.7%7.1%
      Time to Breakeven266 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-31.9%-24.5%
      % Gain to Breakeven46.8%32.4%
      Time to Breakeven415 days427 days
    2020 COVID-19 Crash
      % Loss-51.0%-33.7%
      % Gain to Breakeven104.2%50.9%
      Time to Breakeven439 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-28.9%-19.2%
      % Gain to Breakeven40.6%23.8%
      Time to Breakeven320 days105 days
    2015-2016 China Devaluation / Global Growth Scare
      % Loss-10.1%-12.2%
      % Gain to Breakeven11.3%13.9%
      Time to Breakeven22 days62 days
    2010 Eurozone Sovereign Debt Crisis / Flash Crash
      % Loss-47.9%-15.4%
      % Gain to Breakeven91.8%18.2%
      Time to Breakeven5245 days125 days

    Compare to SSB, RNST, HOMB, TRMK, PNFP

    In The Past

    First US Bancshares's stock fell -2.7% during the 2025 US Tariff Shock. Such a loss loss requires a 2.8% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventFUSBS&P 500
    2023 SVB Regional Banking Crisis
      % Loss-34.1%-6.7%
      % Gain to Breakeven51.7%7.1%
      Time to Breakeven266 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-31.9%-24.5%
      % Gain to Breakeven46.8%32.4%
      Time to Breakeven415 days427 days
    2020 COVID-19 Crash
      % Loss-51.0%-33.7%
      % Gain to Breakeven104.2%50.9%
      Time to Breakeven439 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-28.9%-19.2%
      % Gain to Breakeven40.6%23.8%
      Time to Breakeven320 days105 days
    2010 Eurozone Sovereign Debt Crisis / Flash Crash
      % Loss-47.9%-15.4%
      % Gain to Breakeven91.8%18.2%
      Time to Breakeven5245 days125 days
    2008-2009 Global Financial Crisis
      % Loss-41.3%-53.4%
      % Gain to Breakeven70.2%114.4%
      Time to Breakeven56 days1085 days

    Compare to SSB, RNST, HOMB, TRMK, PNFP

    In The Past

    First US Bancshares's stock fell -2.7% during the 2025 US Tariff Shock. Such a loss loss requires a 2.8% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About First US Bancshares (FUSB)

    First US Bancshares, Inc. (FUSB) operates as the bank holding company for First US Bank, providing a comprehensive range of commercial banking products and services. Headquartered in Birmingham, Alabama, the company primarily serves communities across Alabama, Tennessee, and Virginia through 15 full-service banking offices and additional loan production offices.

    The bank offers diverse financial products, including various deposit accounts such as non-interest-bearing demand deposits, savings accounts, NOW accounts, money market accounts, individual retirement accounts, and time deposits. Its extensive lending portfolio covers commercial construction, land, and land development loans; mortgage loans for residential properties and apartment buildings; and real estate loans secured by commercial and industrial properties. FUSB also provides loans and leases to commercial customers, as well as secured and unsecured personal loans for automobiles, consumer installments, and personal property items like furniture, ATVs, and recreational vehicles. Complementary services include letters of credit, safe deposit boxes, remote deposit capture, and credit insurance reinsurance policies.

    First US Bancshares targets a broad customer base, primarily serving small-to-medium-sized businesses, property managers, business executives, professionals, and individual consumers. Its strategically located branches and loan offices enable it to meet the varied banking needs of these customer segments within its regional markets.

    AI Analysis | Feedback

    ```html

    Here are 1-3 brief analogies for First US Bancshares (FUSB):

    • A regional version of Bank of America or Wells Fargo, tailored for small businesses and individuals in Alabama, Tennessee, and Virginia.
    • Like a community-focused Regions Bank or PNC Bank, providing a wide array of personal and commercial banking services across its Southeast branches.
    ```

    AI Analysis | Feedback

    • Deposit Accounts: Provides various checking, savings, money market, individual retirement, and time deposit accounts for individuals and businesses.
    • Commercial & Real Estate Loans: Offers financing for commercial construction, land development, commercial properties, and general business needs.
    • Consumer Loans: Provides mortgage loans for residential properties, personal loans, automobile loans, and loans secured by various consumer goods.
    • Other Banking Services: Includes letters of credit, safe deposit box services, and remote deposit capture for customer convenience.
    • Credit Insurance Reinsurance: Underwrites credit life, and credit accident and health insurance reinsurance policies.

    AI Analysis | Feedback

    First US Bancshares (FUSB) serves a diverse customer base, primarily consisting of:

    • Small-and medium-sized businesses: These customers utilize a range of commercial banking products, including commercial construction, land, and land development loans; real estate loans secured by commercial and industrial properties; and other loans and leases to support their operations.
    • Property managers: This category of customers obtains loans for residential housing, commercial and industrial use property development, and the purchase and improvement of raw land.
    • Individuals: This broad category includes business executives, professionals, and other general consumers. They use products such as mortgage loans on residential properties, secured and unsecured personal loans (including automobile loans and other direct consumer installment loans), and loans secured by personal property items like furniture, ATVs, home appliances, recreational vehicles, boats, and cargo trailers. They also utilize various deposit accounts like non-interest-bearing demand deposits, savings accounts, NOW accounts, money market demand accounts, individual retirement accounts, and time deposits.

    AI Analysis | Feedback

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    AI Analysis | Feedback

    Here is the management team for First US Bancshares (FUSB):

    James F. House, Chairman of the Board, President, and Chief Executive Officer

    Mr. House was appointed CEO of First US Bancshares in November 2011. He also serves as President and Chief Executive Officer of the Company and First US Bank. Before his tenure at First US Bancshares, which was formerly known as United Security Bancshares, Inc. until October 2016, Mr. House served as division president of BancTrust Financial Group Inc. for three years. He also held executive and senior management positions at the former SouthTrust Corp. of Birmingham and has worked as a consultant to banks on management, investments, and commercial and consumer lending.

    Thomas S. Elley, Senior Executive Vice President, Chief Financial Officer, Treasurer and Assistant Secretary

    Mr. Elley is the Senior Executive Vice President, Chief Financial Officer, Treasurer, and Assistant Secretary of First US Bancshares and First US Bank. He also serves as an Investment Officer of the Bank. Mr. Elley was appointed as the Director of Finance/CFO in September 2013.

    William Christopher Mitchell, Senior Executive Vice President, Consumer Lending of the Bank

    Mr. Mitchell is the Senior Executive Vice President of Consumer Lending at First US Bank. In this role, he is responsible for the strategic development, implementation, and oversight of the bank's consumer lending operations, focusing on expanding the loan portfolio, enhancing customer experiences, and managing profitability and risk.

    Eric H. Mabowitz, Senior Executive Vice President, Chief Risk Officer, Chief Compliance Officer and CRA Officer of the Bank

    Mr. Mabowitz serves as the Senior Executive Vice President, Chief Risk Officer, Chief Compliance Officer, and CRA Officer of First US Bank.

    Beverly J. Dozier, Senior Vice President, Corporate Secretary and Assistant Treasurer

    Ms. Dozier holds the titles of Senior Vice President and Corporate Secretary for First US Bancshares and Assistant Treasurer. She also serves as the Senior Vice President, Thomasville Market Executive, and Corporate Secretary of the Bank.

    AI Analysis | Feedback

    Here are the key risks to the business of First US Bancshares (FUSB):
    1. Credit Risk: First US Bancshares faces significant credit risk, particularly from its commercial real estate (CRE) loan portfolio, which represented 257.1% of total regulatory capital as of December 31, 2025, attracting heightened supervisory attention. The company has also experienced volatility and substantial provisions for credit losses related to its higher-yield, higher-risk consumer indirect lending segment and specific commercial loans.
    2. Interest Rate Volatility and Net Interest Margin Pressure: As a traditional banking institution, First US Bancshares' revenue is heavily dependent on interest income. Changes in interest rates and monetary policy can significantly impact its financial performance and condition. The company has experienced margin compression, which has been noted as a factor slowing core profitability, and future interest rate movements contribute to uncertainty in its valuation.
    3. Regulatory and Compliance Risks: The company is subject to extensive governmental regulations, and the increasing and uncertain costs of compliance are a key risk. These risks encompass evolving federal policies, anti-money-laundering obligations, climate-related supervision, and expanding consumer protection and privacy rules, all of which can adversely affect earnings and capital.

    AI Analysis | Feedback

    The accelerating emergence and increasing market penetration of digital-first banks and specialized fintech lenders that leverage technology to offer banking services (deposits, various loan types) with greater convenience, speed, and often lower costs, thereby directly challenging FUSB's traditional branch-based model and its relationships with small-to-medium sized businesses and individual customers.

    AI Analysis | Feedback

    First US Bancshares (FUSB) operates in Alabama, Tennessee, and Virginia, offering a range of commercial banking products and services. The addressable markets for its main products and services in these regions are as follows:

    Deposits

    • Alabama: The total deposits in all banks in the U.S. State of Alabama amounted to approximately $249.4 billion as of October 31, 2019.
    • Tennessee: The total deposits in the U.S. State of Tennessee were $223 billion in 2024.
    • Virginia: The total deposits in all banks in the U.S. State of Virginia were approximately $295.6 billion in 2025.

    Residential Mortgage Loans

    • Alabama: The sold volume for home sales in the U.S. State of Alabama was $19.37 billion in 2025.
    • Tennessee: New home loans booked in the U.S. State of Tennessee amounted to $23.3 billion in 2024.
    • Virginia: New home loans booked in the U.S. State of Virginia amounted to $35.2 billion in 2024.

    Commercial Real Estate Loans

    • Alabama: Null
    • Tennessee: Null
    • Virginia: The total commercial real estate lending volume in the U.S. State of Virginia was $19.2 billion in 2024.

    Commercial and Industrial (C&I) Loans / Small Business Loans

    • Alabama: Null
    • Tennessee: Small business loans in the U.S. State of Tennessee amounted to $14.7 billion in 2024.
    • Virginia: Null

    Other Loan Products

    Addressable market sizes for specific commercial construction, land, land development loans, and various consumer loans (such as automobile loans, personal installment loans, recreational vehicle loans, and loans secured by personal property items) in Alabama, Tennessee, and Virginia are not available as distinct market size figures.

    AI Analysis | Feedback

    First US Bancshares (FUSB) is expected to drive future revenue growth over the next two to three years through several key strategies:

    1. Expanding Market Share in Core Segments: The company aims to increase its presence and customer base within its existing operational regions, which include Alabama, Tennessee, and Virginia. This expansion is anticipated to lead to higher transaction volumes and increased banking product utilization.
    2. New Product Launches: First US Bancshares plans to introduce new products to its offerings, which are expected to contribute to overall revenue growth.
    3. Growth in Consumer Indirect Lending: The bank has been strategically focusing on expanding its consumer indirect loan portfolio, which includes auto loans and other non-real estate consumer financing. This segment, while carrying higher yields and risks, is a key area for driving interest income.
    4. Deposit Growth: An increase in deposits directly enhances the bank's capacity to issue loans, which is the primary driver of its revenue through net interest income. First US Bancshares saw total deposits rise by $15.6 million in the third quarter of 2025, driven by stable demand deposit accounts.
    5. Selective Mergers and Acquisitions (M&A): The company's investor presentations have highlighted selective M&A as a strategy to emphasize earnings growth, which would inherently include revenue expansion by integrating new customer bases, branches, or loan portfolios.

    AI Analysis | Feedback

    Share Repurchases

    • On April 28, 2021, First US Bancshares, Inc. announced the expansion of its share repurchase program, authorizing an additional 1,000,000 shares for repurchase and extending the program's expiration to December 31, 2022. At that time, 587,824 shares had been repurchased to date under the program.
    • On November 19, 2025, the Board of Directors again expanded the existing share repurchase program, authorizing the repurchase of an additional 1,000,000 shares.
    • As of November 19, 2025, the company had repurchased 1,389,972 shares of its common stock under the program, with 852,813 shares remaining available for repurchase. The program's expiration was extended to December 31, 2026.

    Share Issuance

    • On February 9, 2026, a director was granted 425 restricted shares of common stock under the company's 2023 Incentive Plan.
    • As of March 6, 2026, the company had 5,650,157 shares of common stock outstanding.

    Capital Expenditures

    • In the third quarter of 2025, First US Bancshares invested $624K in capital expenditures, which funded long-term assets and infrastructure. This represented a 72.3% decrease from the prior quarter.
    • As of December 31, 2025, the company continued to maintain funding capacity sufficient to provide adequate liquidity for, among other things, capital expenditures.

    Peer Outperformance in Regional Banks

    FUSB has outperformed 63% of its 262 Regional Banks peers over 5Y. Among the peers that beat it are FBP and BPOP. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that FUSB has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    36%
    of 281 industry peers · 23.5% return
    3Y
    67%
    of 273 industry peers · 105.4% return
    5Y
    63%
    of 262 industry peers · 62.9% return
    Regional Banks peers with revenue growth within 4pp of FUSB's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
    Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
    FUSB First US Bancshares 0.5% 12.0x 23.5%105.4%62.9% —
    FBP First BanCorp 2.9% 10.7x 33.9%101.1%117.2% +54pp
    BPOP Popular 2.8% 10.3x 41.4%144.6%117.1% +54pp
    Price returns, excluding dividends. P/E shown for context only and not used for matching.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is FUSB's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
    Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
    Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
    Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
    Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
    Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
    Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
    Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
    Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
    Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
    Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
    Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
    Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
    Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
    Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
    Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
    Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
    Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

    Latest Trefis Analyses

    TitleDate
    0DASHBOARDS 
    1How Low Can First US Bancshares Stock Really Go?10/17/2025
    Title
    0ARTICLES

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    Financials

    FUSBSSBRNSTHOMBTRMKPNFPMedian
    NameFirst US.SouthSta.Renasant Home Ban.TrustmarkPinnacle. 
    Mkt Price16.41104.7039.6930.0744.73100.0142.21
    Mkt Cap0.110.13.66.12.615.14.8
    Rev LTM422,6431,0991,1096993,9951,104
    Op Inc LTM-------
    FCF LTM91,4984364301781,423433
    FCF 3Y Avg8567253411176969332
    CFO LTM111,5654574522081,508454
    CFO 3Y Avg106242764412051,054358

    Growth & Margins

    FUSBSSBRNSTHOMBTRMKPNFPMedian
    NameFirst US.SouthSta.Renasant Home Ban.TrustmarkPinnacle. 
    Rev Chg LTM4.8%10.4%25.7%7.4%3.9%116.1%8.9%
    Rev Chg 3Y Avg0.5%16.7%19.9%3.2%12.6%48.8%14.6%
    Rev Chg Q4.8%-1.9%1.3%9.3%3.9%151.3%4.3%
    QoQ Delta Rev Chg LTM1.2%-0.5%0.3%2.3%1.0%23.5%1.1%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM27.4%59.2%41.5%40.8%29.7%37.7%39.3%
    CFO/Rev 3Y Avg25.3%23.3%29.6%42.6%34.1%45.2%31.8%
    FCF/Rev LTM20.9%56.7%39.6%38.8%25.5%35.6%37.2%
    FCF/Rev 3Y Avg18.5%20.8%26.9%39.7%28.9%40.9%27.9%

    Valuation

    FUSBSSBRNSTHOMBTRMKPNFPMedian
    NameFirst US.SouthSta.Renasant Home Ban.TrustmarkPinnacle. 
    Mkt Cap0.110.13.66.12.615.14.8
    P/S2.23.83.35.53.73.83.8
    P/Op Inc-------
    P/EBIT-------
    P/E11.910.910.812.611.214.711.5
    P/CFO8.16.57.913.412.610.09.0
    Total Yield10.1%11.6%11.7%10.6%11.2%8.3%10.9%
    Dividend Yield1.7%2.4%2.4%2.7%2.2%1.6%2.3%
    FCF Yield 3Y Avg10.0%5.7%7.9%7.7%7.8%-7.8%
    D/E0.40.10.40.10.20.70.3
    Net D/E-0.30.0-0.5-0.3-0.8-1.0-0.4

    Returns

    FUSBSSBRNSTHOMBTRMKPNFPMedian
    NameFirst US.SouthSta.Renasant Home Ban.TrustmarkPinnacle. 
    1M Rtn0.7%3.7%0.7%5.3%-1.0%4.0%2.2%
    3M Rtn-1.3%-3.0%-7.8%-1.7%-6.1%-5.6%-4.3%
    6M Rtn2.2%8.9%-0.1%13.8%0.7%1.8%2.0%
    12M Rtn23.2%22.0%18.5%14.4%19.8%6.7%19.2%
    3Y Rtn104.9%57.6%60.9%53.8%121.4%6.7%59.2%
    1M Excs Rtn2.1%7.3%3.5%8.2%2.3%8.9%5.4%
    3M Excs Rtn0.8%-2.3%-5.7%-0.8%-4.3%-3.6%-2.9%
    6M Excs Rtn-2.5%4.0%-4.9%9.0%-4.1%-2.9%-2.7%
    12M Excs Rtn15.9%8.5%6.6%1.2%8.6%-6.7%7.5%
    3Y Excs Rtn21.7%-13.3%-7.6%-22.8%58.1%-75.8%-10.4%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/6/20265/7/20263/12/202611/6/20258/7/20255/8/20253/14/202511/8/20248/9/20245/10/20243/14/202411/8/2023
    Key Financials Quarterly            
    Total Revenue111010111010101010101010
    Net Income222202222222
    EPS0.310.340.370.330.030.300.300.380.360.360.380.35
    Key Financials TTM            
    Total Revenue TTM424141404040404040404141
    Net Income TTM866668899988
    Growth Rates Quarterly            
    Total Revenue Growth4.8%2.9%7.1%4.3%3.1%-1.3%-3.0%-2.1%-1.1%-3.5%-5.1%-0.2%
    Net Income Growth1031.0%9.8%24.2%-12.9%-92.7%-15.9%-24.7%5.2%5.1%1.7%2.2%13.6%
    Margins Quarterly            
    Net Income Margin16.2%19.3%20.4%18.4%1.5%18.1%17.6%22.0%21.2%21.3%22.7%20.5%
    Cash & Debt            
    Total Cash64778465211217215227202186186193
    Total Debt361111213136211126262141
    Net Debt / (Cash)-28-66-73-44-180-181-194-216-176-160-165-152
    Cash Flows Quarterly            
    FCF from Operations142442223124
    Cash Flows TTM            
    FCF from Operations TTM11151212109879101314
    Returns to Shareholders Quarterly            
    Dividends000000000000
    Share Repurchases121-0-01101-01-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC------------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM------------

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Bank4140414033
    Acceptance Loan Company, Inc. (ALC)    8
    All Other    6
    Eliminations    -6
    Total4140414040


    Operating Income by Segment
    $ Mil20152014201320122011
    First United Security Bank3331-15
    Acceptance Loan Company22321
    Eliminations00000
    All Other-1-0-0-0-1
    Total4553-15


    Net Income by Segment
    $ Mil20252024202320222021
    Bank68885
    Acceptance Loan Company, Inc. (ALC)   01
    All Other   74
    Eliminations   -8-6
    Total68874


    Assets by Segment
    $ Mil20222021202020192018
    Bank999962893790794
    All Other101106929085
    Acceptance Loan Company, Inc. (ALC)204156110103
    Eliminations-125-150-151-201-190
    Total995958891789792


    Price Behavior

    Price Behavior
    Market Price$16.45 
    Market Cap ($ Bil)0.1 
    First Trading Date01/11/1999 
    Distance from 52W High-3.2% 
       50 Days200 Days
    DMA Price$16.46$15.93
    DMA Trendindeterminateup
    Distance from DMA-0.0%3.2%
     3M1YR
    Volatility18.8%24.5%
    Downside Capture-27.89-16.57
    Upside Capture-20.2618.28
    Correlation (S&P 500)-2.4%1.7%
    FUSB Betas & Captures as of 10/31/2026

     1M2M3M6M1Y3Y
    Beta-0.39-0.00-0.31-0.200.020.02
    Up Beta-2.60-0.23-0.420.100.090.02
    Down Beta0.290.250.400.14-0.040.08
    Up Capture-58%-2%-40%-27%12%3%
    Bmk +ve Days12182862130427
    Stock +ve Days11182956124357
    Down Capture-56%-11%-58%-56%-23%-42%
    Bmk -ve Days10253664121325
    Stock -ve Days8192855106318

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with FUSB
    FUSB36.4%24.6%1.24-
    Sector ETF (XLF)11.1%15.2%0.4712.2%
    Equity (SPY)9.5%13.6%0.411.7%
    Gold (GLD)3.6%28.7%0.111.3%
    Commodities (DBC)37.7%21.2%1.40-9.7%
    Real Estate (VNQ)12.0%14.2%0.553.4%
    Bitcoin (BTCUSD)-20.8%43.3%-0.42-10.2%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with FUSB
    FUSB13.8%37.5%0.46-
    Sector ETF (XLF)9.1%18.4%0.3610.8%
    Equity (SPY)11.3%17.3%0.485.6%
    Gold (GLD)17.5%19.1%0.743.6%
    Commodities (DBC)8.0%19.6%0.293.3%
    Real Estate (VNQ)1.2%18.9%-0.058.8%
    Bitcoin (BTCUSD)5.9%51.5%0.291.6%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with FUSB
    FUSB8.3%39.5%0.34-
    Sector ETF (XLF)13.3%22.1%0.5419.0%
    Equity (SPY)14.9%18.0%0.7013.5%
    Gold (GLD)12.0%16.5%0.59-2.1%
    Commodities (DBC)7.6%18.1%0.337.1%
    Real Estate (VNQ)5.7%20.7%0.2314.9%
    Bitcoin (BTCUSD)61.3%66.2%1.015.8%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date10152026
    Short Interest: Shares Quantity0.0 Mil
    Short Interest: % Change Since 93020261.7%
    Average Daily Volume0.0 Mil
    Days-to-Cover Short Interest1.1 days
    Basic Shares Quantity5.6 Mil
    Short % of Basic Shares0.1%

    Returns Analyses

    Earnings Returns History

    Updated 8/31/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/29/20262.0%1.1%-0.9%
    4/29/20261.3%-2.1%-1.8%
    1/28/20262.1%6.9%5.5%
    10/29/20257.5%11.6%10.8%
    7/30/2025-0.2%-0.6%-17.6%
    4/30/20250.7%0.0%0.5%
    1/27/20252.1%-1.0%5.2%
    10/24/2024-0.1%1.2%8.5%
    ...
    SUMMARY STATS   
    # Positive181718
    # Negative676
    Median Positive1.5%2.2%5.3%
    Median Negative-0.6%-1.0%-2.6%
    Max Positive8.9%14.3%23.6%
    Max Negative-3.3%-3.6%-17.6%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/29/20262.0%1.1%-0.9%
    4/29/20261.3%-2.1%-1.8%
    1/28/20262.1%6.9%5.5%
    10/29/20257.5%11.6%10.8%
    7/30/2025-0.2%-0.6%-17.6%
    4/30/20250.7%0.0%0.5%
    1/27/20252.1%-1.0%5.2%
    10/24/2024-0.1%1.2%8.5%
    7/24/2024-3.3%-3.3%1.5%
    4/24/20241.0%4.9%0.3%
    1/25/20240.7%1.4%6.5%
    10/25/20235.3%5.0%16.8%
    7/26/2023-1.0%1.0%1.4%
    4/26/20230.0%-3.6%-1.7%
    1/25/20232.4%3.4%9.5%
    10/26/20228.9%14.3%22.9%
    7/27/20220.8%0.7%-3.5%
    4/27/20220.7%-0.7%-3.5%
    1/27/2022-0.1%-0.4%1.9%
    10/27/2021-2.0%1.6%6.1%
    7/28/20212.7%2.7%0.9%
    4/28/20211.6%2.2%4.2%
    1/28/20211.0%9.2%1.4%
    10/30/20200.0%1.0%23.6%
    SUMMARY STATS   
    # Positive181718
    # Negative676
    Median Positive1.5%2.2%5.3%
    Median Negative-0.6%-1.0%-2.6%
    Max Positive8.9%14.3%23.6%
    Max Negative-3.3%-3.6%-17.6%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/06/202610-Q
    03/31/202605/07/202610-Q
    12/31/202503/12/202610-K
    09/30/202511/06/202510-Q
    06/30/202508/07/202510-Q
    03/31/202505/08/202510-Q
    12/31/202403/14/202510-K
    09/30/202411/08/202410-Q
    06/30/202408/09/202410-Q
    03/31/202405/10/202410-Q
    12/31/202303/14/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/09/202310-Q
    03/31/202305/15/202310-Q
    12/31/202203/10/202310-K
    09/30/202211/09/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/06/202610-Q
    03/31/202605/07/202610-Q
    12/31/202503/12/202610-K
    09/30/202511/06/202510-Q
    06/30/202508/07/202510-Q
    03/31/202505/08/202510-Q
    12/31/202403/14/202510-K
    09/30/202411/08/202410-Q
    06/30/202408/09/202410-Q
    03/31/202405/10/202410-Q
    12/31/202303/14/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/09/202310-Q
    03/31/202305/15/202310-Q
    12/31/202203/10/202310-K
    09/30/202211/09/202210-Q
    06/30/202208/10/202210-Q
    03/31/202205/12/202210-Q
    12/31/202103/14/202210-K
    09/30/202111/10/202110-Q
    06/30/202108/11/202110-Q
    03/31/202105/11/202110-Q
    12/31/202003/15/202110-K
    09/30/202011/10/202010-Q
    06/30/202008/12/202010-Q
    03/31/202005/14/202010-Q
    12/31/201903/18/202010-K
    09/30/201911/06/201910-Q

    Insider Activity

    Updated 9/10/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Field, Robert C Highland Mortgage, LLCBuy910202616.4787714,444218,623Form
    2Field, Robert C Highland Mortgage, LLCBuy910202616.472844,677204,179Form
    3Field, Robert C Highland Mortgage, LLCBuy903202616.402884,723190,043Form
    4Field, Robert C Highland Mortgage, LLCBuy903202616.393,30054,087185,207Form
    5Pierce, Staci DirectBuy807202616.512454,045179,134Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Field, Robert C Highland Mortgage, LLCBuy910202616.4787714,444218,623Form
    2Field, Robert C Highland Mortgage, LLCBuy910202616.472844,677204,179Form
    3Field, Robert C Highland Mortgage, LLCBuy903202616.402884,723190,043Form
    4Field, Robert C Highland Mortgage, LLCBuy903202616.393,30054,087185,207Form
    5Pierce, Staci DirectBuy807202616.512454,045179,134Form
    6Pierce, Staci DirectBuy805202616.4861910,201174,770Form
    7Pierce, Staci DirectBuy805202616.531362,248165,069Form
    8McPhearson, John Lee DirectSell21820268.301,50012,45088,254Form
    9McPhearson, John Lee McPhearson Land Holdings, LLCBuy21820268.301,50012,45024,900Form
    10Pierce, Staci DirectBuy1204202513.7475010,305121,599Form
    11Field, Robert C Highland Mortgage, LLCBuy1202202513.611,00013,610108,880Form
    12Field, Robert C Highland Mortgage, LLCBuy1126202513.593,00040,77095,130Form
    13Field, Robert C DirectBuy1126202513.7756926,989Form
    14Field, Robert C Highland Mortgage, LLCBuy1126202513.714,00054,84054,840Form
    15Gordon, Stephen Nathaniel DirectBuy1126202513.801,00013,80023,460Form
    16Pierce, Staci DirectBuy1121202513.832503,458112,023Form
    17Field, Robert C DirectBuy1121202513.695575326,764Form
    18Pierce, Staci DirectBuy1121202513.652503,412107,152Form
    19Pierce, Staci DirectBuy1121202513.512002,702102,676Form
    20Pierce, Staci DirectBuy1119202513.403004,02099,160Form
    21Pierce, Staci DirectBuy1114202513.435006,71595,353Form
    22Pierce, Staci DirectBuy1114202513.725006,86090,552Form
    23Briggs, Robert S DirectBuy1105202513.305,00066,500809,864Form
    24Briggs, Robert S DirectBuy1105202513.455,00067,250751,747Form
    25House, James FChairman, President & CEODirectBuy1104202513.291,25016,6121,777,245Form

    Industry Resources

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