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First US Bancshares (FUSB)

Market Price (6/25/2026): $16.27 | Market Cap: $93.3 MilSector: Financials | Industry: Regional Banks

First US Bancshares (FUSB)

Market Price (6/25/2026): $16.27
Market Cap: $93.3 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 8.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.1%, FCF Yield is 12%

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 -71%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 36%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27%

Low stock price volatility
Vol 12M is 41%

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 -1.1%, Dist 3Y High is -1.1%

Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.4%

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 8.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.1%, FCF Yield is 12%
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 -71%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 36%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27%
3 Low stock price volatility
Vol 12M is 41%
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 -1.1%, Dist 3Y High is -1.1%
6 Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.4%
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%

Valuation & Metrics

null
FUSBS&P 500
REVENUE GROWTHPOOR
Rev LTM ($ Bil)0.0
Rev Chg Q2.9%8.8%
Rev Chg LTM4.3%7.5%
Rev Chg 3Y Avg0.4%5.9%
PROFITABILITYFAIR
Op Inc LTM ($ Bil)�
CFO LTM ($ Bil)0.0
Net Inc LTM ($ Bil)0.0
CFO/Rev LTM35.5%21.4%
Net Inc Mgn14.9%13.0%
VALUATIONMODERATE
P/S2.33.3
P/CFO6.415.1
P/FCF8.519.5
P/E15.124.3

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 6/1/2026

First US Bancshares (FUSB) stock has gained about 10% since 2/28/2026 because of the following key factors:

1. First US Bancshares reported positive year-over-year diluted earnings per share (EPS) for the first quarter of 2026, reaching $0.33 per share compared to $0.29 in the first quarter of 2025. The company also demonstrated a commitment to shareholder returns by repurchasing 146,500 shares at a weighted average price of $15.03 during the first quarter of 2026.

2. The stock benefited from a broader positive trend in the regional banking sector. The S&P Regional Banks Index recorded an increase of 8.45% on a total return basis year-to-date through May 1, 2026, significantly outperforming the S&P 500's 6.00% return over the same period. This sector-wide buoyancy is largely attributed to stable Federal Reserve policy rates supporting profit expectations, with net interest margins for FDIC-insured banks increasing to 3.30% in 2025 from 3.22% in 2024.

Show more
Updated on 6/1/2026

First US Bancshares (FUSB) stock has gained about 10% since 2/28/2026 because of the following key factors:

1. First US Bancshares reported positive year-over-year diluted earnings per share (EPS) for the first quarter of 2026, reaching $0.33 per share compared to $0.29 in the first quarter of 2025. The company also demonstrated a commitment to shareholder returns by repurchasing 146,500 shares at a weighted average price of $15.03 during the first quarter of 2026.

2. The stock benefited from a broader positive trend in the regional banking sector. The S&P Regional Banks Index recorded an increase of 8.45% on a total return basis year-to-date through May 1, 2026, significantly outperforming the S&P 500's 6.00% return over the same period. This sector-wide buoyancy is largely attributed to stable Federal Reserve policy rates supporting profit expectations, with net interest margins for FDIC-insured banks increasing to 3.30% in 2025 from 3.22% in 2024.

3. First US Bancshares experienced growth in its deposit base during the period. Total deposits increased by $10.9 million, or 1.1%, in the first quarter of 2026. This growth was primarily driven by a $28.4 million increase in interest-bearing demand deposits, contributing to a strong core deposit ratio of 82.2% of total deposits as of March 31, 2026.

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Stock Movement Drivers

Fundamental Drivers

The 7.8% change in FUSB stock from 2/28/2026 to 6/24/2026 was primarily driven by a 7.9% change in the company's Net Income Margin (%).
(LTM values as of)22820266242026Change
Stock Price ($)15.1416.327.8%
Change Contribution By: 
Total Revenues ($ Mil)40412.4%
Net Income Margin (%)13.8%14.9%7.9%
P/E Multiple15.915.2-4.2%
Shares Outstanding (Mil)661.8%
Cumulative Contribution7.8%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 6/24/2026
ReturnCorrelation
FUSB7.8% 
Market (SPY)7.2%4.3%
Sector (XLF)5.0%12.9%

Fundamental Drivers

The 22.6% change in FUSB stock from 11/30/2025 to 6/24/2026 was primarily driven by a 8.9% change in the company's P/E Multiple.
(LTM values as of)113020256242026Change
Stock Price ($)13.3116.3222.6%
Change Contribution By: 
Total Revenues ($ Mil)40412.4%
Net Income Margin (%)13.8%14.9%7.9%
P/E Multiple13.915.28.9%
Shares Outstanding (Mil)661.8%
Cumulative Contribution22.6%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 6/24/2026
ReturnCorrelation
FUSB22.6% 
Market (SPY)7.9%5.7%
Sector (XLF)1.6%15.2%

Fundamental Drivers

The 33.3% change in FUSB stock from 5/31/2025 to 6/24/2026 was primarily driven by a 67.0% change in the company's P/E Multiple.
(LTM values as of)53120256242026Change
Stock Price ($)12.2416.3233.3%
Change Contribution By: 
Total Revenues ($ Mil)40414.3%
Net Income Margin (%)19.8%14.9%-24.6%
P/E Multiple9.115.267.0%
Shares Outstanding (Mil)661.4%
Cumulative Contribution33.3%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2025 to 6/24/2026
ReturnCorrelation
FUSB33.3% 
Market (SPY)25.8%7.1%
Sector (XLF)7.0%16.1%

Fundamental Drivers

The 138.6% change in FUSB stock from 5/31/2023 to 6/24/2026 was primarily driven by a 182.4% change in the company's P/E Multiple.
(LTM values as of)53120236242026Change
Stock Price ($)6.8416.32138.6%
Change Contribution By: 
Total Revenues ($ Mil)41411.2%
Net Income Margin (%)18.6%14.9%-19.6%
P/E Multiple5.415.2182.4%
Shares Outstanding (Mil)663.8%
Cumulative Contribution138.6%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2023 to 6/24/2026
ReturnCorrelation
FUSB138.6% 
Market (SPY)82.4%1.7%
Sector (XLF)77.5%5.4%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
FUSB Return19%-17%22%24%13%19%102%
Peers Return20%2%1%19%3%11%66%
S&P 500 Return27%-19%24%23%16%8%96%

Monthly Win Rates [3]
FUSB Win Rate58%50%50%50%58%83% 
Peers Win Rate67%46%48%56%52%50% 
S&P 500 Win Rate75%42%67%75%67%50% 

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 6/24/2026 (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

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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.
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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.

Latest Trefis Analyses

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

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Peer Comparisons

Peers to compare with:

Financials

FUSBSSBRNSTHOMBTRMKPNFPMedian
NameFirst US.SouthSta.Renasant Home Ban.TrustmarkPinnacle. 
Mkt Price16.3299.7543.2928.7346.0397.0244.66
Mkt Cap0.19.84.15.62.714.64.9
Rev LTM412,6481,0891,0846932,5701,087
Op Inc LTM-------
FCF LTM116532864061631,618346
FCF 3Y Avg9482189393165820291
CFO LTM157263214331891,707377
CFO 3Y Avg11533211424194903318

Growth & Margins

FUSBSSBRNSTHOMBTRMKPNFPMedian
NameFirst US.SouthSta.Renasant Home Ban.TrustmarkPinnacle. 
Rev Chg LTM4.3%40.7%62.9%6.8%45.4%61.7%43.0%
Rev Chg 3Y Avg0.4%16.9%21.2%2.7%9.7%25.7%13.3%
Rev Chg Q2.9%4.9%60.5%2.4%3.7%168.3%4.3%
QoQ Delta Rev Chg LTM0.7%1.2%10.5%0.6%0.9%40.7%1.0%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM35.5%27.4%29.5%39.9%27.2%66.4%32.5%
CFO/Rev 3Y Avg27.7%26.4%26.2%41.4%34.8%44.0%31.2%
FCF/Rev LTM26.7%24.6%26.3%37.5%23.6%63.0%26.5%
FCF/Rev 3Y Avg21.8%24.0%23.5%38.4%29.8%39.3%26.9%

Valuation

FUSBSSBRNSTHOMBTRMKPNFPMedian
NameFirst US.SouthSta.Renasant Home Ban.TrustmarkPinnacle. 
Mkt Cap0.19.84.15.62.714.64.9
P/S2.33.73.75.23.95.73.8
P/Op Inc-------
P/EBIT-------
P/E15.210.517.811.811.922.513.6
P/CFO6.413.512.613.014.48.612.8
Total Yield8.3%11.9%7.7%11.3%10.5%5.3%9.4%
Dividend Yield1.7%2.4%2.1%2.9%2.2%0.9%2.1%
FCF Yield 3Y Avg12.3%6.4%7.9%7.5%7.8%-7.8%
D/E0.10.10.20.10.20.40.2
Net D/E-0.7-0.0-0.7-0.4-0.6-0.8-0.7

Returns

FUSBSSBRNSTHOMBTRMKPNFPMedian
NameFirst US.SouthSta.Renasant Home Ban.TrustmarkPinnacle. 
1M Rtn3.1%5.4%6.2%8.0%4.3%-0.1%4.9%
3M Rtn7.5%9.4%20.9%8.8%10.0%14.9%9.7%
6M Rtn21.5%4.9%20.9%2.7%15.5%3.0%10.2%
12M Rtn25.9%14.1%23.6%4.4%33.0%3.0%18.9%
3Y Rtn98.0%67.1%72.0%41.9%131.4%3.0%69.5%
1M Excs Rtn4.6%7.0%7.7%9.5%5.8%1.4%6.4%
3M Excs Rtn-3.5%-2.0%9.2%-3.4%-2.2%3.7%-2.1%
6M Excs Rtn17.3%-3.8%11.4%-5.2%6.3%-4.6%1.2%
12M Excs Rtn4.3%-6.1%2.9%-16.8%12.9%-19.1%-1.6%
3Y Excs Rtn43.4%-15.2%-7.9%-32.8%59.5%-63.8%-11.5%

Comparison Analyses

null

Financials

$ Mil | FY: 12/312026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q2
Period End3/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/2023
Filing Date5/7/20263/12/202611/6/20258/7/20255/8/20253/14/202511/8/20248/9/20245/10/20243/14/202411/8/20238/9/2023
Key Financials Quarterly            
Total Revenue101011101010101010101010
Net Income222022222222
EPS0.340.370.330.030.300.300.380.360.360.380.350.34
Key Financials TTM            
Total Revenue TTM414140404040404040414141
Net Income TTM666688999888
Growth Rates Quarterly            
Total Revenue Growth2.9%7.1%4.3%3.1%-1.3%-3.0%-2.1%-1.1%-3.5%-5.1%-0.2%4.6%
Net Income Growth9.8%24.2%-12.9%-92.7%-15.9%-24.7%5.2%5.1%1.7%2.2%13.6%43.0%
Margins Quarterly            
Net Income Margin19.3%20.4%18.4%1.5%18.1%17.6%22.0%21.2%21.3%22.7%20.5%20.0%
Cash & Debt            
Total Cash778465211217215227202186186193198
Total Debt111121313621112626214141
Net Debt / (Cash)-66-73-44-180-181-194-216-176-160-165-152-157
Cash Flows Quarterly            
FCF from Operations424422231243
Cash Flows TTM            
FCF from Operations TTM15121210987910131414
Returns to Shareholders Quarterly            
Dividends000000000000
Share Repurchases21-0-01101-01-0-0
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$16.32 
Market Cap ($ Bil)0.1 
First Trading Date01/11/1999 
Distance from 52W High-1.1% 
   50 Days200 Days
DMA Price$15.36$14.00
DMA Trendupup
Distance from DMA6.3%16.6%
 3M1YR
Volatility20.1%41.8%
Downside Capture-40.25-19.64
Upside Capture2.2413.09
Correlation (SPY)-4.0%6.8%
FUSB Betas & Captures as of 5/31/2026

 1M2M3M6M1Y3Y
Beta-0.060.150.150.180.280.05
Up Beta-0.690.120.070.121.08-0.04
Down Beta0.590.410.350.01-0.010.06
Up Capture-24%21%19%40%19%7%
Bmk +ve Days13283667141432
Stock +ve Days8202965122349
Down Capture40%-1%4%5%-9%-12%
Bmk -ve Days7132757109318
Stock -ve Days10172953108315

[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
FUSB39.7%42.2%0.97-
Sector ETF (XLF)7.0%14.6%0.2515.2%
Equity (SPY)23.3%12.5%1.406.1%
Gold (GLD)17.7%27.7%0.57-1.8%
Commodities (DBC)18.2%18.6%0.76-6.2%
Real Estate (VNQ)11.6%13.8%0.567.4%
Bitcoin (BTCUSD)-40.6%42.4%-1.11-3.7%

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
FUSB11.7%39.6%0.42-
Sector ETF (XLF)9.5%18.6%0.3910.3%
Equity (SPY)13.2%17.1%0.604.9%
Gold (GLD)16.4%18.3%0.731.5%
Commodities (DBC)6.9%19.5%0.262.2%
Real Estate (VNQ)2.7%18.9%0.046.6%
Bitcoin (BTCUSD)10.4%54.1%0.391.6%

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
FUSB9.1%40.0%0.36-
Sector ETF (XLF)13.4%22.1%0.5519.0%
Equity (SPY)15.3%18.0%0.7313.7%
Gold (GLD)11.5%16.1%0.59-2.7%
Commodities (DBC)5.7%18.0%0.247.8%
Real Estate (VNQ)5.6%20.7%0.2314.6%
Bitcoin (BTCUSD)57.2%66.5%0.975.7%

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

Short Interest

Short Interest: As Of Date5292026
Short Interest: Shares Quantity0.0 Mil
Short Interest: % Change Since 515202611.2%
Average Daily Volume0.0 Mil
Days-to-Cover Short Interest1
Basic Shares Quantity5.7 Mil
Short % of Basic Shares0.1%

Returns Analyses

Earnings Returns History

Updated 6/2/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
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%
...
SUMMARY STATS   
# Positive171619
# Negative785
Median Positive1.3%2.4%5.5%
Median Negative-1.0%-1.6%-3.5%
Max Positive8.9%14.3%23.6%
Max Negative-3.3%-4.4%-17.6%
 Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
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%
7/29/2020-2.9%-4.4%5.9%
SUMMARY STATS   
# Positive171619
# Negative785
Median Positive1.3%2.4%5.5%
Median Negative-1.0%-1.6%-3.5%
Max Positive8.9%14.3%23.6%
Max Negative-3.3%-4.4%-17.6%

SEC Filings

Expand for More
Report DateFiling DateFiling
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
 Collapse to Preview
Report DateFiling DateFiling
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
06/30/201908/07/201910-Q

Insider Activity

Updated 4/26/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1McPhearson, John Lee DirectSell21820268.301,50012,45088,254Form
2McPhearson, John Lee McPhearson Land Holdings, LLCBuy21820268.301,50012,45024,900Form
3Pierce, Staci DirectBuy1204202513.7475010,305121,599Form
4Field, Robert C Highland Mortgage, LLCBuy1202202513.611,00013,610108,880Form
5Field, Robert C Highland Mortgage, LLCBuy1126202513.593,00040,77095,130Form
 Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1McPhearson, John Lee DirectSell21820268.301,50012,45088,254Form
2McPhearson, John Lee McPhearson Land Holdings, LLCBuy21820268.301,50012,45024,900Form
3Pierce, Staci DirectBuy1204202513.7475010,305121,599Form
4Field, Robert C Highland Mortgage, LLCBuy1202202513.611,00013,610108,880Form
5Field, Robert C Highland Mortgage, LLCBuy1126202513.593,00040,77095,130Form
6Field, Robert C DirectBuy1126202513.7756926,989Form
7Field, Robert C Highland Mortgage, LLCBuy1126202513.714,00054,84054,840Form
8Gordon, Stephen Nathaniel DirectBuy1126202513.801,00013,80023,460Form
9Pierce, Staci DirectBuy1121202513.832503,458112,023Form
10Field, Robert C DirectBuy1121202513.695575326,764Form
11Pierce, Staci DirectBuy1121202513.652503,412107,152Form
12Pierce, Staci DirectBuy1121202513.512002,702102,676Form
13Pierce, Staci DirectBuy1119202513.403004,02099,160Form
14Pierce, Staci DirectBuy1114202513.435006,71595,353Form
15Pierce, Staci DirectBuy1114202513.725006,86090,552Form
16Briggs, Robert S DirectBuy1105202513.305,00066,500809,864Form
17Briggs, Robert S DirectBuy1105202513.455,00067,250751,747Form
18House, James FChairman, President & CEODirectBuy1104202513.291,25016,6121,777,245Form
19Pierce, Staci DirectBuy826202511.661,50017,48571,106Form
20Pierce, Staci DirectBuy825202511.805005,90054,280Form

Industry Resources

External Quote Links


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Core Cache Last Updated: 6/24/2026