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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. In the quarter to June 2026, revenue grew 1.73%, EPS grew 933.3%, free cash flow fell 118.4% and total debt was flat, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.

16.48 0.03 +0.18%
Market cap
$90.6M
P/E
12.2×
Fwd P/E
—
Dividend yield
1.70%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.43
Total sells 0.01
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 8 2 — — — — — — — 2 5 —
Sell — — — 1 — — — — — — — —
Insider Ownership 16.84%

Capital & Financial Ratios $m

Market Cap 90.56
Revenue 64.15
Net Income 7.76
Free Cash Flow 10.62
Net Debt (52.80)
Current Ratio 0.90
Debt/Equity 0.11
P/E ratio 12.21
Fwd P/E —
P/S ratio 1.45
P/B ratio 0.89
Past 5Y EPS Growth 20.11% (at or above 15%: strong)
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth —
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 38.29%
10-year low 10-year high
P/S against its own 10 years 57.46%
10-year low 10-year high
P/B against its own 10 years 84.19%
10-year low 10-year high

Dividends

Payout Ratio 0.21
Annual Dividend Rate 0.28
Annual Dividend Yield 1.70%
total individual payouts
2026 0.21
0.07
0.07
0.07
2025 0.28
0.07
0.07
0.07
0.07
2024 0.22
0.05
0.05
0.05
0.07
2023 0.20
0.05
0.05
0.05
0.05
2022 0.14
0.03
0.03
0.03
0.05
2021 0.12
0.03
0.03
0.03
0.03
2020 0.12
0.03
0.03
0.03
0.03
2019 0.09
0.02
0.02
0.02
0.03
2018 0.08
0.02
0.02
0.02
0.02
2017 0.08
0.02
0.02
0.02
0.02
2016 0.08
0.02
0.02
0.02
0.02
special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 60 53 78 64
Receivables — — — —
Inventory — — — —
Other — — — —
875 869 925 918
2023 2024 2025 Q'26
Payables 950 973 1,028 998
ST’ Debt — — — —
Other — — — —
962 984 1,030 1,024

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%

Revenue $m

Mar Jun Sep Dec Year
’26 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 — — —
’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 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.33 0.31 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 7.90 10.38 7.60 7.60 5.18 7.54 6.46 6.39 8.66 10.30

Analyst estimates 2026–2028

Powerpack
High 11.84 15.14 13.62 11.93 12.00 12.50 12.00 10.44 14.30 14.79
People
People Employees 157 159 171 188 189 167 149 153 151 152
Revenue/emp, $m 0.23 0.22 0.25 0.26 0.24 0.26 0.30 0.37 0.41 0.41
Income, $m
Income, $m Revenue 35 36 43 49 45 43 45 56 62 63
Gross margin, % 93.58 92.43 89.82 86.42 89.84 93.21 90.47 72.49 64.25 65.14
EBT 1 3 3 6 4 6 9 11 11 8
EBT margin, % 3.94 7.34 7.93 11.87 7.78 13.18 20.18 20.06 17.39 12.60
Net income 1 0 2 5 3 4 7 8 8 6
Depreciation 2 2 2 3 3 2 2 2 1 1
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
Earnings 0.20 (0.07) 0.40 0.71 0.43 0.70 1.13 1.42 1.40 1.03
Cash flow 1.33 1.09 1.28 1.77 0.97 1.55 2.06 2.19 1.33 2.12
Capex (1.01) (1.47) 0.25 (0.30) (0.15) 0.20 (0.21) (0.16) (0.21) (0.22)
Free cash flow 0.32 (0.37) 1.53 1.47 0.82 1.75 1.85 2.03 1.12 1.90
Book value 12.40 12.35 12.66 13.27 13.80 14.25 13.99 15.19 16.86 18.15
Shares, m 6 6 6 6 6 6 6 6 6 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
P/S 1.91 2.20 1.17 1.51 1.25 1.54 1.20 1.13 1.19 1.29
P/B 0.88 1.03 0.63 0.88 0.65 0.74 0.63 0.70 0.75 0.77
EV/Sales 1.67 1.30 0.05 0.35 (0.77) 0.37 0.72 0.26 0.51 0.22
EV/FCF 30.26 (20.31) 0.20 1.82 (6.82) 1.46 2.87 1.21 4.84 1.26
Cash, $m
Cash, $m Operating cash flow 8 7 8 11 6 10 13 13 8 12
Capex (6) (9) 2 (2) (1) 1 (1) (1) (1) (1)
Free cash flow 2 (2) 10 9 5 11 11 12 7 11
Balance, $m
Balance, $m Working capital (160) (143) (130) (69) (57) (84) (91) (87) (115) (106)
Total debt 15 10 1 10 3 11 11 11 11 11
Net debt (9) (32) (58) (57) (92) (51) (21) (49) (42) (67)
Shareholders’ equity 76 76 79 85 87 90 85 91 99 106
Returns, %
Returns, % ROA 0.21 (0.07) 0.35 0.58 0.32 0.48 0.70 0.82 0.75 0.53
ROIC 1.29 3.72 14.64 13.13 0.00 9.09 8.81 16.92 11.88 12.99
ROE 1.60 (0.54) 3.20 5.56 3.16 5.04 7.84 9.66 8.64 5.87
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
PBHC Pathfinder Bancorp, Inc. $106.5M — (loss-making) — +9.22% (above 0%: growing) n/m +155.06% (above 0%: growing) 60.96% 0.00% Compare
PNBK Patriot National Bancorp Inc. $105.1M — (loss-making) 12.1× +44.21% (above 0%: growing) n/m −716.54% (below 0%: shrinking) 61.76% 0.00% Compare
AUBN Auburn National Bancorporation, Inc. $92.2M 11.0× — +5.12% (above 0%: growing) +26.92% (above 0%: growing) −25.23% (below 0%: shrinking) 76.51% 0.00% Compare
FNWB First Northwest Bancorp $91.6M 59.7× 51.6× −6.28% (below 0%: shrinking) −92.86% (below 0%: shrinking) −85.97% (below 0%: shrinking) 58.91% 0.00% Compare
FUSB FIRST US BANCSH $90.6M 12.2× — +1.73% (above 0%: growing) +933.33% (above 0%: growing) −118.35% (below 0%: shrinking) 67.72% 0.00%
FDSB Fifth District Bancorp, Inc. $88.4M 49.7× — −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. $82.6M 16.8× 5.0× +15.12% (above 0%: growing) +50.00% (above 0%: growing) +73.89% (above 0%: growing) 70.52% 0.00% Compare
SSBI Summit State Bank $81.7M 36.5× — −3.24% (below 0%: shrinking) n/m −207.35% (below 0%: shrinking) 100.00% 0.00% Compare
UBCP United Bancorp, Inc. $77.6M 9.7× 11.8× +2.96% (above 0%: growing) +9.09% (above 0%: growing) −109.56% (below 0%: shrinking) 70.95% 0.00% Compare
Median of peers $90.0M 26.6× 12.0× +4.04% +9.09% −55.60% 68.03% 0.00%

All 323 Banks Regional stocks →

FIRST US BANCSH (FUSB) key facts

  • Concern: Net income was $6.0 million, or $1.03 per share (basic), a net margin of 9.51%.
  • Strength: FIRST US BANCSH’s revenue for fiscal 2025 (year ended December 2025) was $63.0 million, up 1.86% from fiscal 2024.
  • FIRST US BANCSH (FUSB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, FUSB traded at $16.48, a market capitalization of $90.6 million.
  • At that price the stock trades at 12.2× trailing-twelve-month earnings and 1.4× sales; its P/E is higher than 38% of its own readings over the past ten years.
  • FIRST US BANCSH pays an annual dividend of $0.28 per share, a yield of 1.70%, with a payout ratio of 21.2%.
  • Return on equity was 5.87% and debt-to-equity 0.11.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

FIRST US BANCSH (FUSB) Latest News

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stockrow.com/FUSB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com