First US Bancshares, Inc. operates as the bank holding company for First US Bank that provides commercial banking products and services. More Details
Flawless balance sheet with questionable track record.
Share Price & News
How has First US Bancshares's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: FUSB is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 9% a week.
Volatility Over Time: FUSB's weekly volatility (9%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: FUSB exceeded the US Banks industry which returned -16.7% over the past year.
Return vs Market: FUSB underperformed the US Market which returned 22.1% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is First US Bancshares's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 days ago | Simply Wall StHow Should Investors Feel About First US Bancshares' (NASDAQ:FUSB) CEO Remuneration?
1 month ago | Simply Wall StKey Things To Consider Before Buying First US Bancshares, Inc. (NASDAQ:FUSB) For Its Dividend
2 months ago | Simply Wall StFirst US Bancshares, Inc. (NASDAQ:FUSB) Will Pay A US$0.03 Dividend In Three Days
Is First US Bancshares undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: FUSB ($9) is trading above our estimate of fair value ($3.39)
Significantly Below Fair Value: FUSB is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: FUSB is poor value based on its PE Ratio (19.7x) compared to the US Banks industry average (11.4x).
PE vs Market: FUSB is poor value based on its PE Ratio (19.7x) compared to the US market (19.4x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate FUSB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: FUSB is good value based on its PB Ratio (0.6x) compared to the US Banks industry average (0.9x).
How is First US Bancshares forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as First US Bancshares has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has First US Bancshares performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FUSB has high quality earnings.
Growing Profit Margin: FUSB's current net profit margins (7.7%) are lower than last year (12.2%).
Past Earnings Growth Analysis
Earnings Trend: FUSB's earnings have grown by 19.2% per year over the past 5 years.
Accelerating Growth: FUSB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: FUSB had negative earnings growth (-40.6%) over the past year, making it difficult to compare to the Banks industry average (-4.1%).
Return on Equity
High ROE: FUSB's Return on Equity (3.4%) is considered low.
How is First US Bancshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: FUSB's Assets to Equity ratio (10x) is low.
Allowance for Bad Loans: FUSB has a sufficient allowance for bad loans (235%).
Low Risk Liabilities: 97% of FUSB's liabilities are made up of primarily low risk sources of funding.
Loan Level: FUSB has an appropriate level of Loans to Assets ratio (74%).
Low Risk Deposits: FUSB's Loans to Deposits ratio (84%) is appropriate.
Level of Bad Loans: FUSB has an appropriate level of bad loans (0.5%).
What is First US Bancshares's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: FUSB's dividend (1.33%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.49%).
High Dividend: FUSB's dividend (1.33%) is low compared to the top 25% of dividend payers in the US market (4.1%).
Stability and Growth of Payments
Stable Dividend: FUSB's dividend payments have been volatile in the past 10 years.
Growing Dividend: FUSB's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (26.3%), FUSB's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jim House (68 yo)
Mr. James F. House has been the President, Chief Executive Officer and Director of First US Bancshares, Inc.(formerly United Security Bancshares, Inc.) and its subsidiary First US Bank (formerly First Unit...
CEO Compensation Analysis
Compensation vs Market: Jim's total compensation ($USD541.69K) is about average for companies of similar size in the US market ($USD560.00K).
Compensation vs Earnings: Jim's compensation has been consistent with company performance over the past year.
|CFO, Principal Accounting Officer||7.17yrs||US$336.33k||0.17% |
|Senior Executive Vice President of Consumer Lending of First US Bank||0.92yr||US$339.26k||0.19% |
|Senior VP & Investment Officer||0.75yr||US$101.01k||no data|
|VP, Corporate Secretary & Assistant Treasurer||no data||no data||0.47% |
|Executive VP & Chief Risk Officer of First US Bank||no data||US$179.24k||0.19% |
|Executive VP & Chief Risk Officer of First US Bank||no data||US$234.66k||no data|
Experienced Management: FUSB's management team is considered experienced (4 years average tenure).
|Independent Vice-Chairman of the Board||0.92yr||US$46.46k||0.17% |
|Independent Director||23.92yrs||US$34.12k||0.073% |
|Independent Director||23.92yrs||US$38.83k||2.54% |
|Independent Director||44.92yrs||US$30.75k||0.93% |
|Independent Director||35.92yrs||US$37.39k||0.046% |
|Independent Director||23.92yrs||US$44.52k||0.18% |
|Independent Director||11.42yrs||US$42.96k||0.17% |
|Independent Chairman of the Board||0.92yr||US$34.35k||0.52% |
|Independent Director||6.17yrs||US$29.61k||0.046% |
|Independent Director||6.17yrs||US$29.07k||0.046% |
|Independent Director||6.17yrs||US$36.16k||0.079% |
Experienced Board: FUSB's board of directors are seasoned and experienced ( 10.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
First US Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: First US Bancshares, Inc.
- Ticker: FUSB
- Exchange: NasdaqCM
- Founded: 1952
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$55.589m
- Shares outstanding: 6.18m
- Website: https://www.firstusbank.com
Number of Employees
- First US Bancshares, Inc.
- 3291 U.S. Highway 280
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|FUSB||NasdaqCM (Nasdaq Capital Market)||Yes||Common Stock||US||USD||Jun 1997|
First US Bancshares, Inc. operates as the bank holding company for First US Bank that provides commercial banking products and services. It accepts deposit products, such as non-interest-bearing demand dep...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/12/05 00:33|
|End of Day Share Price||2020/12/04 00:00|
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 here.