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FUSB 
First US Bancshares Inc (FUSB)
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Upturn Advisory Summary
11/05/2025: FUSB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 17.42% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 74.54M USD | Price to earnings Ratio 10.15 | 1Y Target Price - |
Price to earnings Ratio 10.15 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.5 | 52 Weeks Range 8.92 - 14.08 | Updated Date 06/29/2025 |
52 Weeks Range 8.92 - 14.08 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.19% | Basic EPS (TTM) 1.28 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.38% | Operating Margin (TTM) 25.16% |
Management Effectiveness
Return on Assets (TTM) 0.71% | Return on Equity (TTM) 8.1% |
Valuation
Trailing PE 10.15 | Forward PE - | Enterprise Value 70392192 | Price to Sales(TTM) 1.94 |
Enterprise Value 70392192 | Price to Sales(TTM) 1.94 | ||
Enterprise Value to Revenue 2.76 | Enterprise Value to EBITDA - | Shares Outstanding 5738350 | Shares Floating 4330792 |
Shares Outstanding 5738350 | Shares Floating 4330792 | ||
Percent Insiders 16.96 | Percent Institutions 17.45 |
Upturn AI SWOT
First US Bancshares Inc
Company Overview
History and Background
First US Bancshares, Inc. (FUSB) operates as the bank holding company for First US Bank. Founded in 1953, the bank provides banking services to individuals and businesses in Alabama. It has grown organically through community focus and strategic acquisitions.
Core Business Areas
- Community Banking: Provides traditional banking services, including deposit accounts, loans, and other financial services to individuals and small to medium-sized businesses.
- Commercial Lending: Offers various commercial loan products for real estate, equipment, working capital, and other business needs.
- Wealth Management: Provides trust and investment services to individuals and businesses
Leadership and Structure
The company is led by a board of directors and a management team overseeing various departments, including lending, operations, finance, and compliance. The CEO is typically the top executive leader.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial real estate properties, contributing significantly to the lending portfolio. Market share data is not publicly available at this granular level. Competitors: Regions Financial (RF), PNC Financial Services (PNC), Wells Fargo (WFC).
- Small Business Loans: Loans to small businesses for various purposes, including working capital and equipment financing. Market share data is not publicly available at this granular level. Competitors: Bank of America (BAC), Truist Financial (TFC), JPMorgan Chase (JPM).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available at this granular level. Competitors: Ally Financial (ALLY), Capital One Financial (COF), Discover Financial Services (DFS).
Market Dynamics
Industry Overview
The banking industry is influenced by interest rates, regulatory changes, economic conditions, and technological advancements. Community banks face competition from larger national banks and fintech companies.
Positioning
First US Bancshares Inc focuses on community banking in Alabama. Its competitive advantage lies in local relationships, personalized service, and knowledge of the local market.
Total Addressable Market (TAM)
The total addressable market for banking services in Alabama is in the billions of dollars. FUSB is positioned to capture a share of this market through its local focus and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence and customer relationships
- Experienced management team
- Solid asset quality
- Community-focused approach
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on traditional banking services
- Lower brand recognition outside of Alabama
Opportunities
- Expansion into new markets within Alabama
- Increased adoption of digital banking technologies
- Growth in commercial lending
- Acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Regions Financial (RF)
- ServisFirst Bancshares (SFBS)
- Cadence Bank (CADE)
Competitive Landscape
First US Bancshares Inc competes with larger regional and national banks, as well as other community banks. Its competitive advantage is its local market knowledge and customer service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth information is unavailable without access to financial statements and historical data.
Future Projections: Future projections require analyst estimates and company guidance, which are not available without access to financial data.
Recent Initiatives: Recent initiatives require access to company press releases and announcements.
Summary
First US Bancshares Inc is a community-focused bank with a strong presence in Alabama. Its strengths lie in local relationships and personalized service. The company faces challenges from larger competitors and changing market dynamics but has opportunities for growth through expansion and technology adoption. Analyzing its financial performance would provide greater insights into its viability
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- Publicly Available Information
Disclaimers:
This analysis is based on limited publicly available information and does not constitute financial advice. Market share data is not publicly available at a granular level for this company. Access to financial statements is needed for a deeper analysis. All financial data is illustrative only.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First US Bancshares Inc
Exchange NASDAQ | Headquaters Birmingham, AL, United States | ||
IPO Launch date 1999-01-11 | President, CEO & Chairman Mr. James F. House | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 147 | Website https://www.fusb.com |
Full time employees 147 | Website https://www.fusb.com | ||
First US Bancshares, Inc. operates as the bank holding company for First US Bank that provides commercial banking products and services in the United States. The company offers non-interest-bearing demand deposits, savings accounts, NOW accounts, money market demand accounts, individual retirement accounts, and time deposits. Its loan products include commercial construction, land, and land development loans, including residential housing projects, commercial and industrial development, and for purchase and improvement of raw land for agricultural production; mortgage loans on one-to-four family and multi-family residential properties; real estate loans secured by commercial and industrial properties, office or mixed-use facilities, strip shopping centers, and other commercial properties; commercial and industrial loans and leases; and secured and unsecured personal loans, including automobile loans, loans for household and personal purposes, and other direct consumer installment loans. It also provides loans secured by collateral in form of personal property items. In addition, the company offers letters of credit; and safe deposit box and remote deposit capture services. It serves small-and medium-sized businesses, property managers, business executives, professionals, and other individuals. The company was formerly known as United Security Bancshares, Inc. and changed its name to First US Bancshares, Inc. in October 2016. First US Bancshares, Inc. was founded in 1952 and is headquartered in Birmingham, Alabama.
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