First US Bancshares (UNE) Stock Overview

Operates as the bank holding company for First US Bank that provides commercial banking products and services in the United States. More details

UNE fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 56% below our estimate of its fair value

Pays a reliable dividend of 2.02%

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap (€79M)

UNE Community Fair Values

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First US Bancshares, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for First US Bancshares
Historical stock prices
Current Share Price	US$10.60
52 Week High	US$11.47
52 Week Low	US$10.40
Beta	0.30
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	1.88%

Recent updates

Shareholder Returns

	UNE	DE Banks	DE Market
7D	n/a	-2.7%	-3.1%
1Y	n/a	51.2%	9.4%

Return vs Industry: Insufficient data to determine how UNE performed against the German Banks industry.

Return vs Market: Insufficient data to determine how UNE performed against the German Market.

Price Volatility

Is UNE's price volatile compared to industry and market?
UNE volatility
UNE Average Weekly Movement	n/a
Banks Industry Average Movement	3.2%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	11.6%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: UNE's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine UNE's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1952	151	Jim House	n/a

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. 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, 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.

First US Bancshares, Inc. Fundamentals Summary

How do First US Bancshares's earnings and revenue compare to its market cap?
UNE fundamental statistics
Market cap	€68.81m
Earnings (TTM)	€4.84m
Revenue (TTM)	€31.32m

14.3x

P/E Ratio

0.8x

P/B Ratio

Is UNE overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UNE income statement (TTM)
Revenue	US$36.07m
Cost of Revenue	US$0
Gross Profit	US$36.07m
Other Expenses	US$30.49m
Earnings	US$5.58m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	0.97
Gross Margin	100.00%
Net Profit Margin	15.46%
Debt/Equity Ratio	29.8%

How did UNE perform over the long term?

See historical performance and comparison

Dividends

2.0%

Current Dividend Yield

29%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/11/21 07:55
End of Day Share Price	2025/11/21 00:00
Earnings	2025/09/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

First US Bancshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

First US Bancshares, Inc.DB:UNE Stock Report