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FIRST US BANCSHARES INC (FUSB) Stock Fundamental Analysis

NASDAQ:FUSB - Nasdaq - US33744V1035 - Common Stock - Currency: USD

13.6  -0.05 (-0.37%)

Fundamental Rating

3

Overall FUSB gets a fundamental rating of 3 out of 10. We evaluated FUSB against 404 industry peers in the Banks industry. FUSB has a bad profitability rating. Also its financial health evaluation is rather negative. FUSB is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

FUSB had positive earnings in the past year.
In the past year FUSB had a positive cash flow from operations.
In the past 5 years FUSB has always been profitable.
Of the past 5 years FUSB 4 years had a positive operating cash flow.
FUSB Yearly Net Income VS EBIT VS OCF VS FCFFUSB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.79%, FUSB is in line with its industry, outperforming 49.87% of the companies in the same industry.
FUSB's Return On Equity of 8.87% is in line compared to the rest of the industry. FUSB outperforms 57.47% of its industry peers.
Industry RankSector Rank
ROA 0.79%
ROE 8.87%
ROIC N/A
ROA(3y)0.74%
ROA(5y)0.6%
ROE(3y)8.57%
ROE(5y)6.76%
ROIC(3y)N/A
ROIC(5y)N/A
FUSB Yearly ROA, ROE, ROICFUSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8

1.3 Margins

FUSB's Profit Margin of 21.82% is in line compared to the rest of the industry. FUSB outperforms 46.84% of its industry peers.
In the last couple of years the Profit Margin of FUSB has grown nicely.
FUSB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.82%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y23.22%
PM growth 5Y13.74%
GM growth 3YN/A
GM growth 5YN/A
FUSB Yearly Profit, Operating, Gross MarginsFUSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20

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3

2. Health

2.1 Basic Checks

FUSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
FUSB has less shares outstanding than it did 1 year ago.
The number of shares outstanding for FUSB has been reduced compared to 5 years ago.
Compared to 1 year ago, FUSB has a worse debt to assets ratio.
FUSB Yearly Shares OutstandingFUSB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
FUSB Yearly Total Debt VS Total AssetsFUSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

The Debt to FCF ratio of FUSB is 2.15, which is a good value as it means it would take FUSB, 2.15 years of fcf income to pay off all of its debts.
FUSB has a Debt to FCF ratio of 2.15. This is comparable to the rest of the industry: FUSB outperforms 58.48% of its industry peers.
FUSB has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.11, FUSB is doing good in the industry, outperforming 70.63% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 2.15
Altman-Z N/A
ROIC/WACCN/A
WACC16.97%
FUSB Yearly LT Debt VS Equity VS FCFFUSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FUSB Yearly Current Assets VS Current LiabilitesFUSB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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1

3. Growth

3.1 Past

FUSB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.78%.
The Earnings Per Share has been growing by 14.70% on average over the past years. This is quite good.
The Revenue has decreased by -2.44% in the past year.
FUSB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.25% yearly.
EPS 1Y (TTM)-0.78%
EPS 3Y26.31%
EPS 5Y14.7%
EPS Q2Q%-19.38%
Revenue 1Y (TTM)-2.44%
Revenue growth 3Y-0.63%
Revenue growth 5Y-1.25%
Sales Q2Q%-2.95%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
FUSB Yearly Revenue VS EstimatesFUSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
FUSB Yearly EPS VS EstimatesFUSB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.23, which indicates a very decent valuation of FUSB.
81.52% of the companies in the same industry are more expensive than FUSB, based on the Price/Earnings ratio.
FUSB is valuated cheaply when we compare the Price/Earnings ratio to 29.98, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.23
Fwd PE N/A
FUSB Price Earnings VS Forward Price EarningsFUSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

FUSB's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 15.34
EV/EBITDA N/A
FUSB Per share dataFUSB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.7
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

FUSB has a Yearly Dividend Yield of 2.07%.
Compared to an average industry Dividend Yield of 3.25, FUSB is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.30, FUSB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.07%

5.2 History

On average, the dividend of FUSB grows each year by 20.37%, which is quite nice.
FUSB has paid a dividend for at least 10 years, which is a reliable track record.
As FUSB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)20.37%
Div Incr Years2
Div Non Decr Years9
FUSB Yearly Dividends per shareFUSB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.05 0.1 0.15 0.2

5.3 Sustainability

13.27% of the earnings are spent on dividend by FUSB. This is a low number and sustainable payout ratio.
The dividend of FUSB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP13.27%
EPS Next 2YN/A
EPS Next 3YN/A
FUSB Yearly Income VS Free CF VS DividendFUSB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M
FUSB Dividend Payout.FUSB Dividend Payout, showing the Payout Ratio.FUSB Dividend Payout.PayoutRetained Earnings

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FIRST US BANCSHARES INC

NASDAQ:FUSB (3/3/2025, 3:54:34 PM)

13.6

-0.05 (-0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23
Earnings (Next)04-22 2025-04-22
Inst Owners17.88%
Inst Owner Change1.58%
Ins Owners13.38%
Ins Owner Change6.2%
Market Cap77.52M
Analysts0
Price TargetN/A
Short Float %0.11%
Short Ratio1.81
Dividend
Industry RankSector Rank
Dividend Yield 2.07%
Yearly Dividend0.2
Dividend Growth(5Y)20.37%
DP13.27%
Div Incr Years2
Div Non Decr Years9
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 10.23
Fwd PE N/A
P/S 1.94
P/FCF 15.34
P/OCF 10.52
P/B 0.79
P/tB 0.85
EV/EBITDA N/A
EPS(TTM)1.33
EY9.78%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.89
FCFY6.52%
OCF(TTM)1.29
OCFY9.51%
SpS7.02
BVpS17.28
TBVpS15.96
PEG (NY)N/A
PEG (5Y)0.7
Profitability
Industry RankSector Rank
ROA 0.79%
ROE 8.87%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.82%
GM N/A
FCFM 12.63%
ROA(3y)0.74%
ROA(5y)0.6%
ROE(3y)8.57%
ROE(5y)6.76%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y23.22%
PM growth 5Y13.74%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 2.15
Debt/EBITDA N/A
Cap/Depr 136.52%
Cap/Sales 5.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 57.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC16.97%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-0.78%
EPS 3Y26.31%
EPS 5Y14.7%
EPS Q2Q%-19.38%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.44%
Revenue growth 3Y-0.63%
Revenue growth 5Y-1.25%
Sales Q2Q%-2.95%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-59.46%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-47.51%
OCF growth 3YN/A
OCF growth 5YN/A