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First US Bancshares Inc

First US Bancshares Inc

FUSB · NASDAQ · Financial Services / Banks - Regional

16.85USD+0.11 (+0.64%)

Price History

Full chart

Market Stats

Previous Close16.74
Open16.52
Day Range16.52 – 16.85
52-Week Range11.80 – 16.99
Volume9.37K
Market Cap90.55M
P/E (TTM)12.46
Forward P/E8.69
EPS1.32
Dividend Yield1.71%
Beta0.24
50-Day Avg16.51
200-Day Avg15.63

About

First US Bancshares, Inc. operates as the bank holding company for First US Bank that provides commercial banking products and services in the United States. It offers non-interest-bearing demand deposits, savings accounts, NOW accounts, money market demand accounts, individual retirement accounts, and time deposits. The company's loan products include commercial construction, land, and land development loans, including residential housing projects, commercial and industrial development, and for purchase and improvement of raw land for agricultural production; mortgage loans on one-to-four family and multi-family residential properties; real estate loans secured by commercial and industrial properties, office or mixed-use facilities, strip shopping centers, and other commercial properties; commercial and industrial loans and leases; and secured and unsecured personal loans, including automobile loans, loans for household and personal purposes, and other direct consumer installment loans. It also provides loans secured by collateral. In addition, the company offers letters of credit; and safe deposit box and remote deposit capture services. It serves small-and medium-sized businesses, property managers, business executives, professionals, and other individuals. 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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. James F. House
  • Employees152
  • Headquarters3291 U.S. Highway 280, Birmingham, AL, United States, 35243, USA
  • Websitehttps://www.fusb.com

Leadership

  • Mr. James F. HousePresident, CEO & Chairman · b. 1952
  • Mr. Thomas S. Elley CPASenior EVP, Treasurer, Assistant Secretary & CFO · b. 1972
  • Mr. William Christopher MitchellSenior Executive Vice President of Consumer Lending of First US Bank · b. 1966
  • Mr. Matthew A. ParkerSenior VP, Principal Accounting Officer & Director of Financial Reporting · b. 1990
  • Ms. Beverly J. DozierSenior VP, Corporate Secretary & Assistant Treasurer · b. 1965
  • Mr. Eric H. MabowitzSenior Executive VP, Chief Risk Officer, Chief Compliance Officer & CRA Officer of First US Bank · b. 1959

Financials

Income Statement

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue8.11M9.58M21.45M23.26M49.70M53.21M52.51M50.82M52.38M55.19M57.96M64.84M65.55M58.58M55.90M54.99M49.47M44.32M38.50M36.45M34.43M35.36M35.77M42.75M48.95M45.06M43.42M44.35M56.17M61.84M62.99M
Growth (%)-+18.08%+123.86%+8.47%+113.64%+7.05%-1.32%-3.21%+3.08%+5.35%+5.02%+11.88%+1.09%-10.63%-4.57%-1.63%-10.05%-10.41%-13.13%-5.32%-5.55%+2.70%+1.16%+19.52%+14.52%-7.95%-3.64%+2.13%+26.66%+10.10%+1.86%
Cost of Revenue7.00M8.15M17.09M18.71M19.70M25.13M23.67M17.99M14.64M14.09M15.66M19.72M40.62M25.81M22.30M29.20M25.82M8.89M2.26M2.48M2.50M5.47M4.69M6.97M9.36M7.56M4.96M7.56M15.78M22.73M25.99M
Gross Profit1.11M1.44M4.36M4.56M30.00M28.08M28.83M32.83M37.74M41.10M42.29M45.12M24.93M32.77M33.60M25.79M23.65M35.42M36.24M33.97M31.92M29.89M31.07M35.78M39.59M37.51M38.46M36.78M40.40M39.11M37.01M
Gross Margin13.70%14.98%20.33%19.59%60.36%52.77%54.91%64.59%72.05%74.47%72.97%69.59%38.04%55.93%60.11%46.90%47.80%79.93%94.12%93.20%92.72%84.53%86.88%83.69%80.88%83.23%88.58%82.94%71.92%63.24%58.75%
Operating Expense-3.94M-4.35M-5.33M-7.54M18.50M19.11M19.49M20.03M21.31M22.05M23.06M23.78M25.80M25.27M27.45M32.12M38.68M32.48M30.80M28.59M28.38M28.50M28.45M32.38M33.78M33.98M32.74M27.77M29.12M28.36M29.07M
Operating Income5.05M5.78M9.69M12.10M11.50M8.97M9.34M12.79M16.44M19.05M19.23M21.34M-871.21K7.49M6.15M-6.33M-15.03M2.94M5.44M5.38M3.55M1.39M2.62M3.39M5.81M3.53M5.73M9.01M11.27M10.75M7.94M
Operating Margin62.21%60.36%45.20%52.01%23.14%16.86%17.79%25.18%31.38%34.52%33.19%32.91%-1.33%12.79%11.01%-11.51%-30.39%6.63%14.12%14.75%10.30%3.94%7.34%7.93%11.87%7.84%13.19%20.32%20.07%17.39%12.60%
EBITDA5.47M6.28M11.19M13.53M13.80M10.66M11.05M14.29M18.24M20.41M20.46M22.33M-79.10K8.44M7.03M-5.58M-14.34M3.65M6.15M6.18M4.42M2.36M3.76M5.02M7.91M5.63M7.76M10.89M13.05M12.47M9.63M
EBITDA Margin67.38%65.50%52.19%58.18%27.77%20.04%21.04%28.12%34.82%36.98%35.31%34.43%-0.12%14.41%12.57%-10.14%-28.98%8.25%15.98%16.96%12.83%6.67%10.50%11.74%16.15%12.50%17.87%24.57%23.23%20.16%15.29%
Net Income3.62M4.26M6.98M8.58M8.20M6.78M6.59M9.18M11.41M13.13M13.66M14.24M348.62K5.37M4.75M-3.18M-9.07M2.19M3.93M3.55M2.60M1.22M-411.00K2.49M4.57M2.71M4.45M6.86M8.48M8.17M5.99M
Net Income Margin44.56%44.49%32.55%36.88%16.50%12.74%12.55%18.05%21.79%23.79%23.56%21.97%0.53%9.17%8.50%-5.78%-18.35%4.95%10.20%9.74%7.54%3.46%-1.15%5.82%9.33%6.01%10.25%15.48%15.11%13.21%9.51%
R&D----------------00000000-------
R&D as % of Total Revenue----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense7.00M8.07M15.38M15.52M15.40M18.29M18.42M14.13M11.13M10.37M11.81M15.99M19.46M16.91M13.20M10.07M7.02M4.56M2.90M2.55M2.29M2.27M2.71M4.35M6.65M4.61M2.95M4.26M15.46M22.11M21.96M
Interest Expense % of Total Revenue86.30%84.20%71.69%66.71%30.99%34.38%35.08%27.81%21.26%18.79%20.38%24.66%29.69%28.87%23.61%18.32%14.19%10.28%7.55%7.00%6.65%6.42%7.57%10.18%13.58%10.23%6.79%9.60%27.52%35.75%34.86%

Balance Sheet

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets197.47M235.19M425.94M450.07M476.60M509.17M523.11M535.32M567.19M586.15M621.48M646.30M659.90M668.00M691.75M625.34M621.81M567.13M569.80M572.61M575.78M606.89M625.58M791.94M788.74M890.51M958.30M994.67M1.07B1.10B1.15B
Total Liabilities172.24M206.36M373.23M389.50M414.90M441.54M457.90M468.29M493.86M504.24M533.77M554.70M580.33M589.34M610.29M550.82M555.60M501.12M499.71M497.45M498.75M530.65M549.37M712.50M703.99M803.83M868.24M909.53M982.35M1.00B1.05B
Total Equity25.23M28.83M52.71M60.57M61.70M67.63M65.21M67.03M73.33M81.75M87.88M91.60M79.57M78.66M82.74M75.92M66.22M68.66M70.11M75.17M76.33M76.25M76.22M79.45M84.75M86.68M90.06M85.14M90.59M98.62M105.65M
Cash6.35M8.23M14.54M26.83M12.90M32.46M23.97M16.74M12.64M13.95M21.55M28.46M20.67M13.37M12.45M13.53M52.80M54.13M47.72M34.17M44.07M23.53M27.12M49.60M57.03M94.42M61.24M30.15M50.28M47.22M73.55M
Total Debt22.76M22.06M44.88M55.86M82.70M97.24M96.35M108.27M98.34M90.58M90.84M89.31M88.73M92.29M85.62M30.97M20.71M638.00K6.23M5.44M12.35M25.12M25.59M527.00K10.03M10.02M20.70M30.70M20.80M20.87M10.95M
Net Debt16.41M13.82M30.34M29.03M69.80M64.78M72.37M91.52M85.70M76.63M69.28M60.85M68.06M78.92M73.17M17.44M-32.08M-53.49M-41.49M-28.73M-31.67M1.69M-1.53M-49.07M-47.01M-84.40M-40.55M548.00K-29.48M-26.34M-62.60M

Cash Flow

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow4.84M6.94M10.29M13.80M12.60M15.34M14.41M14.93M15.96M19.43M18.64M17.62M19.63M9.82M3.05M16.42M16.43M16.14M10.92M8.56M7.40M8.18M6.75M8.06M11.31M6.09M9.82M12.53M13.07M7.76M12.32M
Investing Cash Flow-8.62M-3.75M-9.51M-13.36M-50.40M-18.39M-29.38M-24.09M-40.48M-18.46M-30.89M-22.93M-42.18M-16.90M-21.61M51.56M10.12M42.95M-18.17M-20.52M473.00K-59.30M-22.62M2.70M9.72M-66.06M-108.31M-80.20M-60.45M-30.35M-28.12M
Financing Cash Flow2.93M-1.31M-2.25M12.68M23.90M22.63M6.49M1.93M20.42M331.41K19.85M12.21M14.76M2.44M17.63M-66.90M12.71M-57.76M838.00K-1.60M2.03M30.58M19.46M11.71M-13.61M97.35M65.32M36.58M67.51M19.52M42.13M
Capital Expenditure154.81K192.66K970.60K2.19M2.20M838.42K1.60M1.80M1.51M663.94K671.31K645.37K475.99K299.09K672.71K349.19K500.90K572.00K381.00K1.71M3.66M7.89M10.39M1.55M3.18M955.00K822.00K1.26M1.46M2.10M3.24M
Free Cash Flow4.69M6.75M9.32M11.61M10.40M14.50M12.80M13.13M14.45M18.77M17.97M16.98M19.15M9.52M2.38M16.07M15.93M15.57M10.54M6.86M3.74M290.00K-3.64M6.51M8.13M5.14M9.00M11.27M11.60M5.66M9.08M
Dividends Paid930.01K1.07M1.61M2.69M3.70M3.28M3.56M3.89M4.31M4.63M6.11M6.82M7.34M6.53M3.62M2.65M241.27K00181.00K484.00K483.00K486.00K495.00K562.00K740.00K745.00K832.00K1.18M1.26M1.61M
FCF to OCF96.80%97.23%90.57%84.16%82.54%94.53%88.86%87.94%90.53%96.58%96.40%96.34%97.58%96.95%77.95%97.87%96.95%96.46%96.51%80.05%50.49%3.54%-53.92%80.79%71.86%84.33%91.63%89.93%88.80%72.94%73.70%
Dividend Paid to FCF19.84%15.84%17.22%23.19%35.58%22.66%27.77%29.59%29.82%24.68%34.01%40.18%38.31%68.63%152.15%16.51%1.51%0.00%0.00%2.64%12.96%166.55%-13.35%7.60%6.91%14.40%8.28%7.38%10.13%22.33%17.70%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Jul 17, 2003Nov 14, 2003Mar 12, 2004Apr 22, 2004Aug 5, 2004Oct 20, 2004Feb 2, 2005Apr 22, 2005Aug 5, 2005Oct 20, 2005Feb 13, 2006Apr 24, 2006Jul 28, 2006Oct 30, 2006Feb 13, 2007May 2, 2007Jul 27, 2007Oct 29, 2007Feb 12, 2008May 9, 2008Aug 8, 2008Nov 7, 2008Feb 12, 2009May 11, 2009Aug 7, 2009Nov 3, 2009Feb 19, 2010May 4, 2010Aug 6, 2010Nov 5, 2010Feb 18, 2011Jun 30, 2011Aug 5, 2011Nov 7, 2011Mar 16, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Nov 4, 2015Feb 4, 2016May 5, 2016Jul 28, 2016Dec 31, 2016Feb 10, 2017Apr 25, 2017Jul 27, 2017Oct 30, 2017Jan 30, 2018May 9, 2018Aug 1, 2018Nov 5, 2018Mar 21, 2019Apr 29, 2019Jul 25, 2019Oct 28, 2019Jan 27, 2020May 4, 2020Jul 29, 2020Oct 30, 2020Jan 28, 2021Apr 28, 2021Aug 2, 2021Oct 27, 2021Jan 27, 2022Apr 27, 2022Jul 27, 2022Oct 26, 2022Jan 25, 2023Apr 26, 2023Jul 26, 2023Oct 25, 2023Jan 25, 2024Apr 24, 2024Jul 24, 2024Oct 24, 2024Jan 23, 2025Apr 22, 2025Jul 22, 2025Oct 29, 2025Dec 31, 2025Mar 31, 2026Jul 29, 2026Nov 4, 2026
EPS Estimate--------------------------------------0.56--0.560.590.250.19-0.060.080.090.19-0.020.190.19-------------------0.00---------------------------------------
EPS Actual0.310.300.320.290.290.290.250.250.160.230.220.270.240.320.330.410.350.360.390.450.570.530.490.460.560.510.560.580.470.570.540.540.570.49-0.44-0.300.300.310.250.230.100.210.480.17-0.070.54-0.060.06-0.200.150.15-0.22-1.150.230.200.150.150.200.150.160.130.200.130.110.130.120.090.070.050.070.09-0.020.060.060.060.10-0.700.060.060.030.220.180.150.160.180.130.060.060.150.140.140.130.250.200.220.290.350.330.320.330.360.340.340.360.290.290.030.320.360.330.31-
Surprise---------------------------------------55.36%---62.50%-18.64%-32.00%-136.84%1000.00%-175.00%-33.33%-205.26%-650.00%-215.79%-705.26%-----------------------------------------------------------
Timing--------------------------------------Pre-market--After-hoursAfter-hours----After-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours---------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-Pre-marketAfter-hours-----

Key Statistics & Ratios

Market Cap90.55M
Enterprise Value62.69M
Trailing P/E12.46
Forward P/E8.69
PEG Ratio0.00
Price / Sales2.27
Price / Book0.87
EPS1.32
Book Value18.88
Revenue (TTM)39.83M
Gross Profit (TTM)39.83M
Profit Margin19.49%
Operating Margin22.63%
Return on Equity7.53%
Return on Assets0.68%
Shares Outstanding5.50M
Shares Float4.14M
Beta0.24
Dividend Yield1.71%
Dividend Rate0.28
Payout Ratio21.20%

Ownership Breakdown

Institutions
19.22%
Insiders
13.52%
Retail / Other
67.26%

Top Institutional Holders

  • Gendell Jeffrey L
    397.45K7.22%
  • Vanguard Capital Management, LLC
    93.65K1.70%
  • Renaissance Technologies Corp
    82.32K1.50%
  • Geode Capital Management, LLC
    56.98K1.04%
  • Regions Financial Corp
    53.34K0.97%
  • Pinnacle Holdings, LLC
    52.74K0.96%
  • Northern Trust Corp
    46.54K0.85%
  • Dimensional Fund Advisors, Inc.
    33.06K0.60%
  • Vanguard Fiduciary Trust Co
    30.86K0.56%
  • BlackRock Inc
    24.77K0.45%
  • Susquehanna International Group, LLP
    20.83K0.38%
  • T. Rowe Price Associates, Inc.
    20.41K0.37%
  • Blair William & Co
    19.00K0.35%
  • Citadel Advisors Llc
    16.39K0.30%
  • Bridgeway Capital Management, LLC
    16.27K0.30%
  • Daytona Street Capital LLC
    12.10K0.22%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    43.97K0.80%
  • Fidelity Extended Market Index
    26.13K0.47%
  • iShares Micro-Cap ETF
    16.36K0.30%
  • EA Bridgeway Omni Small-Cap Value ETF
    11.64K0.21%

Dividends

20263×
0.07Sep 11, 20260.07Jun 12, 20260.07Mar 13, 2026
20254×
0.07Dec 12, 20250.07Sep 12, 20250.07Jun 13, 20250.07Mar 14, 2025
20244×
0.07Dec 13, 20240.05Sep 13, 20240.05Jun 7, 20240.05Mar 7, 2024
20234×
0.05Dec 7, 20230.05Sep 7, 20230.05Jun 8, 20230.05Mar 9, 2023
20224×
0.05Dec 8, 20220.03Sep 8, 20220.03Jun 9, 20220.03Mar 9, 2022
20214×
0.03Dec 9, 20210.03Sep 9, 20210.03Jun 10, 20210.03Mar 11, 2021
20201×
0.03Dec 10, 2020

Stock Splits

  • Jul 23, 20032:1