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FIRST US BANCSH

FUSB Financial Banks Regional

FIRST US BANCSH’s revenue for fiscal 2025 (year ended December 2025) was $63.0 million, up 1.86% from fiscal 2024.

Revenue
−0.42%
EPS
+9.09%
Free cash flow
−0.33%
Total debt
+0.67%

Quarter to September 2026, against a year earlier

16.40 0.27 −1.62%
Market cap
$84.5M
P/E
11.9×
Fwd P/E
—
Dividend yield
1.71%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.13
Sold, $m 0.01
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 1 — — — — — — — 2 5 — —
Sell — — 1 — — — — — — — — —
Insider Ownership 13.42%

Capital & Financial Ratios $m

Size
Market Cap 84.47
Revenue ttm 64.09
Net income ttm 7.79
Free cash flow ttm 11.12
Net debt Q (55.43)
Valuation
P/E 11.88
Forward P/E —
Price / sales 1.39
Forward P/S Powerpack
Price / FCF 8.65
Price / book 0.92
Financial health
Current ratio Q 0.90
Debt / equity Q 0.11
Interest coverage Q —
Growth
Revenue growth Q −0.42% (below 0%: shrinking)
Operating income growth Q −0.04% (below 0%: shrinking)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs +20.11% (at or above 15%: strong)
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 35.89%
10-year low 10-year high
P/S against its own 10 years 49.43%
10-year low 10-year high
P/B against its own 10 years 89.81%
10-year low 10-year high

Dividends

Yield
1.71%
Annual rate
0.28
Payout ratio
20.6%
Growth, 2018–26
+12.8%/yr
  1. 0.08 ’18
  2. 0.09 ’19 +13
  3. 0.12 ’20 +33
  4. 0.12 ’21 +0
  5. 0.14 ’22 +17
  6. 0.20 ’23 +43
  7. 0.22 ’24 +10
  8. 0.28 ’25 +27
  9. 0.21 ’26 −25
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 60 53 78 66
Receivables — — — —
Inventory — — — —
Other — — — —
875 869 925 —
2023 2024 2025 Q'26
Payables 950 973 1,028 1,015
ST’ Debt — — — —
Other — — — —
962 984 1,030 —

Compound Annual Growth %

10y 5y 3y
Sales 6.23% 6.78% 12.16%
Cash Flow 5.23% 15.13% (0.55%)
Earnings 8.73% 17.22% (4.43%)
Book Value 3.21% 4.04% 7.46%

EPS $

Mar Jun Sep Dec Year
’26 0.33 0.31 0.36 — —
’25 0.29 0.03 0.32 0.36 1.00
’24 0.34 0.34 0.36 0.29 1.33
’23 0.33 0.31 0.33 0.36 1.33
’22 0.20 0.22 0.29 0.35 1.06
’21 0.14 0.14 0.13 0.25 0.66
’20 0.13 0.06 0.06 0.15 0.40
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 16 16 16 — —
’25 15 16 16 16 63
’24 15 15 16 15 62
’23 13 14 15 15 56
’22 10 10 12 12 45
’21 11 11 11 11 43
’20 12 11 11 11 45
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 4 1 4 — —
’25 2 4 4 2 12
’24 1 3 2 2 8
’23 4 3 4 2 13
’22 1 4 4 3 13
’21 2 3 2 3 10
’20 1 1 2 2 6
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 4 0 4 — —
’25 2 2 4 3 11
’24 0 3 1 2 7
’23 4 3 3 2 12
’22 2 5 5 0 11
’21 2 3 3 3 11
’20 1 2 3 (1) 5
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 35 36 43 49 45 43 45 56 62 63 64 +6.6% — — — —
Gross margin, % 93.58 92.43 89.82 86.42 89.84 93.21 90.47 72.49 64.25 65.14 65.71 (28.4) pt
EBT 1 3 3 6 4 6 9 11 11 8 10 +21.3%
EBT margin, % 3.94 7.34 7.93 11.87 7.78 13.18 20.18 20.06 17.39 12.60 15.82 +8.7 pt
Net income 1 0 2 5 3 4 7 8 8 6 8 +19.3%
Per share, $
Per share, $ Revenue 5.75 5.79 6.81 7.66 7.23 6.87 7.34 9.42 10.57 10.82 11.83 +7.3%
Earnings 0.20 (0.07) 0.40 0.71 0.43 0.70 1.13 1.42 1.40 1.03 1.38 +20.0%
Cash flow 1.33 1.09 1.28 1.77 0.97 1.55 2.06 2.19 1.33 2.12 2.05 +5.3%
Capex (1.01) (1.47) 0.25 (0.30) (0.15) 0.20 (0.21) (0.16) (0.21) (0.22) 0.00 (15.7%)
Free cash flow 0.32 (0.37) 1.53 1.47 0.82 1.75 1.85 2.03 1.12 1.90 2.05 +22.0%
Book value 12.40 12.35 12.66 13.27 13.80 14.25 13.99 15.19 16.86 18.15 17.84 +4.3%
Shares, m 6 6 6 6 6 6 6 6 6 6 6 (0.6%)
Valuation, ×
Valuation, × P/E 54.85 0.00 19.88 16.35 20.98 15.10 7.79 7.51 8.99 13.56 11.88 16.5
P/S 1.91 2.20 1.17 1.51 1.25 1.54 1.20 1.13 1.19 1.29 1.39 1.4
P/B 0.88 1.03 0.63 0.88 0.65 0.74 0.63 0.70 0.75 0.77 0.92 0.8
EV/Sales 1.67 1.30 0.05 0.35 (0.77) 0.37 0.72 0.26 0.51 0.22 — 0.5
EV/FCF 30.26 (20.31) 0.20 1.82 (6.82) 1.46 2.87 1.21 4.84 1.26 — 1.7
Cash, $m
Cash, $m Operating cash flow 8 7 8 11 6 10 13 13 8 12 11 +4.7%
Capex (6) (9) 2 (2) (1) 1 (1) (1) (1) (1) (1) (16.2%)
Free cash flow 2 (2) 10 9 5 11 11 12 7 11 11 +21.3%
Balance, $m
Balance, $m Working capital (160) (143) (130) (69) (57) (84) (91) (87) (115) (106) (107) (4.5%)
Net debt (9) (32) (58) (57) (92) (51) (21) (49) (42) (67) (55) +25.8%
Shareholders’ equity 76 76 79 85 87 90 85 91 99 106 97 +3.7%
Returns, %
Returns, % ROA 0.21 (0.07) 0.35 0.58 0.32 0.48 0.70 0.82 0.75 0.53 0.67 +0.3 pt
ROIC 1.29 3.72 14.64 13.13 0.00 9.09 8.81 16.92 11.88 12.99 15.39 +11.7 pt
ROE 1.60 (0.54) 3.20 5.56 3.16 5.04 7.84 9.66 8.64 5.87 7.75 +4.3 pt
People
People Employees 157 159 171 188 189 167 149 153 151 152 — (0.4%)
Revenue/emp, $m 0.23 0.22 0.25 0.26 0.24 0.26 0.30 0.37 0.41 0.41 — +7.0%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

FIRST US BANCSH vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FNWB First Northwest Bancorp $96.0M — (loss-making) 128× −3.97% (below 0%: shrinking) n/m −247.30% (below 0%: shrinking) 59.40% 0.00% Compare
AUBN Auburn National Bancorporation, Inc. $92.1M 10.7× — +5.12% (above 0%: growing) +26.92% (above 0%: growing) −25.23% (below 0%: shrinking) 76.51% 0.00% Compare
FDSB Fifth District Bancorp, Inc. $91.7M 52.0× — −34.40% (below 0%: shrinking) −86.89% (below 0%: shrinking) +457.01% (above 0%: growing) 65.53% 0.00% Compare
CPBI Central Plains Bancshares, Inc. $86.8M 17.5× 5.0× +15.12% (above 0%: growing) +50.00% (above 0%: growing) +73.89% (above 0%: growing) 70.52% 0.00% Compare
FUSB FIRST US BANCSH $84.5M 11.9× — −0.42% (below 0%: shrinking) +9.09% (above 0%: growing) −0.33% (below 0%: shrinking) 67.30% 0.00%
UBCP United Bancorp, Inc. $83.3M 10.4× 10.5× +2.96% (above 0%: growing) +9.09% (above 0%: growing) −109.56% (below 0%: shrinking) 70.95% 0.00% Compare
ASRV AmeriServ Financial Inc. $82.9M 9.6× — (loss-making) +4.04% (above 0%: growing) n/m −756.91% (below 0%: shrinking) 70.16% 0.00% Compare
SSBI Summit State Bank $77.1M 33.6× — −3.24% (below 0%: shrinking) n/m −207.35% (below 0%: shrinking) 100.00% 0.00% Compare
CLST Catalyst Bancorp, Inc. $72.4M 31.4× — +3.68% (above 0%: growing) +7.14% (above 0%: growing) −14.23% (below 0%: shrinking) 74.83% 0.00% Compare
Median of peers $85.1M 17.5× 10.5× +3.32% +9.09% −67.39% 70.74% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 18 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 580.94k 601.21k 171.62
2024 644.15k 681.47k 151.35
2023 724.67k 745.43k 121.62

Ownership

Directors and executive officers, together 12.12%
Anderson Group 6.65%
Tontine Group 6.39%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

FIRST US BANCSH (FUSB) Latest News

28 Oct

Impact 3 · · PR Newswire

29 Jul

Impact 3 ·

29 Apr

Impact 4 · · PR Newswire

28 Jan

Impact 3 · · PR Newswire

2 Dec

Impact 3 · · Simply Wall St.Simply Wall St.Simply Wall St.

19 Nov

Impact 3 · · PR Newswire
Impact 3 · · PR Newswire

29 Oct

Impact 3 · · PR Newswire

8 Sep

Impact 3 ·

28 Aug

Impact 3 · · PR Newswire

11 Aug

Impact 3 ·

4 Aug

Impact 3 · · PR Newswire

2 Aug

Impact 3 ·

30 Jul

Impact 3 · · PR Newswire

28 Jul

Impact 3 · · PR Newswire
Impact 3 · · Barrons.com

3 May

Impact 3 · · Simply Wall St.

30 Apr

Impact 3 · · PR Newswire

22 Apr

Impact 3 ·

27 Jan

Impact 4 · earnings

8 Dec

Impact 3 · · Simply Wall St.

26 Nov

Impact 3 · · Simply Wall St.

20 Nov

Impact 3 ·

26 Oct

Impact 3 · · Simply Wall St.

24 Oct

Impact 3 · · PR Newswire

12 Aug

Impact 3 · · Simply Wall St.

24 Jul

Impact 3 · · PR Newswire
Impact 3 · · PR Newswire

26 May

Impact 3 · · Simply Wall St.

22 May

Impact 3 · · PR Newswire
stockrow.com/FUSB · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com