📊 FUSB Key Takeaways
Is First US Bancshares, Inc.. (FUSB) a Good Investment?
First US Bancshares faces severe financial distress characterized by a catastrophic 98% YoY revenue collapse, interest coverage ratio of only 0.4x (unable to cover debt obligations from operations), and anemic returns on equity (1.9%) and assets (0.2%). The combination of collapsing revenues, inadequate debt service capacity, and minimal profitability suggests the company is in financial crisis with deteriorating fundamentals.
FIRST US BANCSHARES shows acceptable balance sheet strength, positive operating cash flow, and low reported leverage, which support basic financial stability. However, the reported 98.1% revenue decline, very weak interest coverage, and unusually high margins suggest earnings quality may be distorted by non-core items rather than durable operating improvement. Fundamentally, this looks stable but not strong, with limited profitability relative to its asset base.
Why Buy First US Bancshares, Inc.. Stock? FUSB Key Strengths
- Moderate leverage with 0.10x debt-to-equity ratio
- Positive operating and free cash flows
- Reasonable balance sheet structure with $104.6M in equity cushion
- Positive operating cash flow and free cash flow generation
- Low reported debt relative to equity at 0.10x
- Solid capital base with $105.65M of equity against $1.15B of assets
FUSB Stock Risks: First US Bancshares, Inc.. Investment Risks
- Catastrophic 98.1% YoY revenue decline indicates business model failure or data reporting issues
- Interest coverage ratio of 0.4x demonstrates inability to service debt from operations—critical risk
- Extremely low profitability metrics (ROE 1.9%, ROA 0.2%) indicate minimal returns for shareholders
- Dilutive capital structure with 24.8% EPS decline despite flat net income
- 31 insider Form 4 filings in 90 days suggests possible restructuring or management concerns
- Revenue fell 98.1% year over year, indicating severe top-line weakness or unstable income mix
- Low profitability for a bank with ROE of 5.7% and ROA of 0.5%
- Interest coverage of 0.4x suggests weak ability to support interest obligations from operating earnings
Key Metrics to Watch
- Interest coverage ratio trend—must return above 1.5x to indicate financial recovery
- Quarterly revenue stabilization—need to confirm 98% decline is not continuing
- Return on Equity—must improve above 5% to demonstrate operational viability
- Deposit base stability for banking institution
- Insider transaction patterns—monitor for further distress signals
- Net interest income and total revenue normalization
- ROA and ROE improvement
First US Bancshares, Inc.. (FUSB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 1,282.3% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
FUSB Profit Margin, ROE & Profitability Analysis
FUSB vs Finance Sector: How First US Bancshares, Inc.. Compares
How First US Bancshares, Inc.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is First US Bancshares, Inc.. Stock Overvalued? FUSB Valuation Analysis 2026
Based on fundamental analysis, First US Bancshares, Inc.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
First US Bancshares, Inc.. Balance Sheet: FUSB Debt, Cash & Liquidity
FUSB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: First US Bancshares, Inc..'s revenue has shown modest growth of 3% over the 5-year period. The most recent EPS of $0.34 reflects profitable operations.
FUSB Revenue Growth, EPS Growth & YoY Performance
FUSB Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $283.0K | $1.8M | $0.29 |
| Q3 2025 | $289.0K | $1.9M | $0.32 |
| Q2 2025 | $278.0K | $155.0K | $0.03 |
| Q1 2025 | $288.0K | $1.8M | $0.29 |
| Q3 2024 | $302.0K | $2.1M | $0.33 |
| Q2 2024 | $282.0K | $2.0M | $0.31 |
| Q1 2024 | $285.0K | $2.1M | $0.33 |
| Q3 2023 | $302.0K | $1.9M | $0.29 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
First US Bancshares, Inc.. Dividends, Buybacks & Capital Allocation
FUSB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for First US Bancshares, Inc.. (CIK: 0000717806)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FUSB
What is the AI rating for FUSB?
First US Bancshares, Inc.. (FUSB) has a Combined AI Rating of SELL from Claude (STRONG SELL) and ChatGPT (HOLD) with 73% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FUSB's key strengths?
Claude: Moderate leverage with 0.10x debt-to-equity ratio. Positive operating and free cash flows. ChatGPT: Positive operating cash flow and free cash flow generation. Low reported debt relative to equity at 0.10x.
What are the risks of investing in FUSB?
Claude: Catastrophic 98.1% YoY revenue decline indicates business model failure or data reporting issues. Interest coverage ratio of 0.4x demonstrates inability to service debt from operations—critical risk. ChatGPT: Revenue fell 98.1% year over year, indicating severe top-line weakness or unstable income mix. Low profitability for a bank with ROE of 5.7% and ROA of 0.5%.
What is FUSB's revenue and growth?
First US Bancshares, Inc.. reported revenue of $283.0K.
Does FUSB pay dividends?
First US Bancshares, Inc.. pays dividends, with $0.4M distributed to shareholders in the trailing twelve months.
Where can I find FUSB SEC filings?
Official SEC filings for First US Bancshares, Inc.. (CIK: 0000717806) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FUSB's EPS?
First US Bancshares, Inc.. has a diluted EPS of $0.33.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FUSB a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, First US Bancshares, Inc.. has a SELL rating with 73% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is FUSB stock overvalued or undervalued?
Valuation metrics for FUSB: ROE of 1.9% (sector avg: 12%), net margin of 687.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy FUSB stock in 2026?
Our dual AI analysis gives First US Bancshares, Inc.. a combined SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is FUSB's free cash flow?
First US Bancshares, Inc..'s operating cash flow is $4.1M, with capital expenditures of $474.0K. FCF margin is 1,282.3%.
How does FUSB compare to other Finance stocks?
Vs Finance sector averages: Net margin 687.3% (avg: 25%), ROE 1.9% (avg: 12%), current ratio N/A (avg: 1.2).