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NASDAQ: FUSB
First Us Bancshares Inc Stock

$9.98-0.02 (-0.2%)
Updated Apr 15, 2024
FUSB Price
$9.98
Fair Value Price
$25.00
Market Cap
$57.76M
52 Week Low
$6.61
52 Week High
$10.71
P/E
7.03x
P/B
0.64x
P/S
1.5x
PEG
0.33x
Dividend Yield
2%
Revenue
$40.41M
Earnings
$8.49M
Gross Margin
100%
Operating Margin
27.89%
Profit Margin
21%
Debt to Equity
10.84
Operating Cash Flow
$13M
Beta
0.38
Next Earnings
Apr 24, 2024
Ex-Dividend
N/A
Next Dividend
N/A

FUSB Overview

First US Bancshares, Inc. operates as the bank holding company for First US Bank that provides commercial banking products and services. The company offers non-interest-bearing demand deposits, savings accounts, NOW accounts, money market demand accounts, individual retirement accounts, and time deposits. Its loan products include commercial construction, land, and land development loans comprising residential housing, commercial and industrial use property development loans, raw land purchase and improvement loans, and agricultural production loans; mortgage loans on residential properties and apartment buildings; real estate loans secured by commercial and industrial properties, office or mixed-use facilities, strip shopping centers, or other commercial property; loans and leases to commercial customers; and secured and unsecured personal loans, including automobile loans and other direct consumer installment loans. The company also provides loans secured by personal property items, such as furniture, ATVs, and home appliances, as well as recreational vehicles, boats, and cargo trailers. In addition, it provides letters of credit; and safe deposit box and remote deposit capture services, as well as underwrites credit life, and credit accident and health insurance reinsurance policies. The company serves small-and medium-sized businesses, property managers, business executives, professionals, and other individuals. It operates 15 full-service banking offices in Birmingham, Butler, Calera, Centreville, Gilbertown, Grove Hill, Harpersville, Jackson, Thomasville, Tuscaloosa, and Woodstock, Alabama; Knoxville and Powell, Tennessee; and Rose Hill, Virginia, as well as loan production offices in Mobile, Alabama, and the Chattanooga, Tennessee area. The company was formerly known as United Security Bancshares, Inc. and changed its name to First US Bancshares, Inc. in October 2016. First US Bancshares, Inc. was founded in 1952 and is headquartered in Birmingham, Alabama.

Zen Score

Industry Average (34)
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Due Diligence Checks

FUSB ($9.98) is undervalued by 60.08% relative to our estimate of its Fair Value price of $25.00 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
FUSB ($9.98) is significantly undervalued by 60.08% relative to our estimate of its Fair Value price of $25.00 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
FUSB ($9.98) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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FUSB News

Valuation

FUSB fair value

Fair Value of FUSB stock based on Discounted Cash Flow (DCF)
Price
$9.98
Fair Value
$25.00
Undervalued by
60.08%
FUSB ($9.98) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
FUSB ($9.98) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
FUSB ($9.98) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

FUSB price to earnings (PE)

For valuing profitable companies with steady earnings
Company
7.03x
Industry
-12.31x
Market
41.94x
FUSB is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
FUSB is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

FUSB price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
0.64x
Industry
0.96x
FUSB is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

FUSB price to earnings growth (PEG)

For valuing profitable companies with growth potential
FUSB is good value based... subscribe to Premium to read more.
PEG Value Valuation

FUSB's financial health

Profit margin

Revenue
$10.5M
Net Income
$2.3M
Profit Margin
21.8%
FUSB's Earnings (EBIT) of $11.27M... subscribe to Premium to read more.
Interest Coverage Financials
FUSB's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$1.1B
Liabilities
$982.3M
Debt to equity
10.84
FUSB's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
FUSB's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$2.1M
Investing
-$19.3M
Financing
$1.4M
FUSB's operating cash flow ($13.07M)... subscribe to Premium to read more.
Debt Coverage Financials

FUSB vs Bank Stocks

TickerMarket Cap1d %P/EP/B
FUSB$57.76M-0.20%7.03x0.64x
TCBC$60.67M+2.63%234.00x0.76x
IROQ$54.76M+0.39%25.50x0.74x
LSBK$61.62M+1.50%13.22x0.71x
VBFC$61.64M+0.49%32.01x0.91x

First Us Bancshares Stock FAQ

What is First Us Bancshares's quote symbol?

(NASDAQ: FUSB) First Us Bancshares trades on the NASDAQ under the ticker symbol FUSB. First Us Bancshares stock quotes can also be displayed as NASDAQ: FUSB.

If you're new to stock investing, here's how to buy First Us Bancshares stock.

What is the 52 week high and low for First Us Bancshares (NASDAQ: FUSB)?

(NASDAQ: FUSB) First Us Bancshares's 52-week high was $10.71, and its 52-week low was $6.61. It is currently -6.82% from its 52-week high and 50.96% from its 52-week low.

How much is First Us Bancshares stock worth today?

(NASDAQ: FUSB) First Us Bancshares currently has 5,787,118 outstanding shares. With First Us Bancshares stock trading at $9.98 per share, the total value of First Us Bancshares stock (market capitalization) is $57.76M.

First Us Bancshares stock was originally listed at a price of $19.00 in Jan 11, 1999. If you had invested in First Us Bancshares stock at $19.00, your return over the last 25 years would have been -47.47%, for an annualized return of -2.54% (not including any dividends or dividend reinvestments).

How much is First Us Bancshares's stock price per share?

(NASDAQ: FUSB) First Us Bancshares stock price per share is $9.98 today (as of Apr 15, 2024).

What is First Us Bancshares's Market Cap?

(NASDAQ: FUSB) First Us Bancshares's market cap is $57.76M, as of Apr 16, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

First Us Bancshares's market cap is calculated by multiplying FUSB's current stock price of $9.98 by FUSB's total outstanding shares of 5,787,118.
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