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Upturn AI SWOT - About
FUSB 
First US Bancshares Inc (FUSB)
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Upturn Advisory Summary
08/28/2025: FUSB (1-star) is currently NOT-A-BUY. Pass it for now.
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 14.95% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
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) was incorporated on July 1, 2014. It serves as the holding company for First US Bank. The bank's history dates back to the early 20th century, having evolved through various mergers and acquisitions. Significant milestones include expanding its branch network and increasing its range of financial services.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending and deposit products to businesses.
- Retail Banking: Offers deposit accounts, consumer loans, and other services to individual customers.
- Wealth Management: Provides trust and investment management services.
Leadership and Structure
FUSB's leadership team comprises a board of directors and executive management, including the CEO, CFO, and other key officers. The organizational structure is hierarchical, with departments responsible for various aspects of banking operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides lending solutions to businesses for working capital, expansion, and real estate. Market share data is not readily available. Competitors: Regions Financial, Synovus.
- Mortgage Loans: Offers residential mortgage products to individual customers. Market share data is not readily available. Competitors: Wells Fargo, Bank of America.
- Deposit Accounts: Provides checking, savings, and money market accounts. Market share data is not readily available. Competitors: PNC Financial Services, Truist Financial.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, technological disruption, and heightened competition.
Positioning
First US Bancshares, Inc. operates as a community bank with a focus on serving local markets. Its competitive advantages lie in its personalized service and strong relationships with customers. They are focused on the Alabama market.
Total Addressable Market (TAM)
The TAM for community banking in the Southeast US is estimated to be in the hundreds of billions of dollars. FUSB's position is smaller, indicating room to grow.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Solid capital base
- Focus on local markets
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on traditional banking services
- Lacks advanced technology infrastructure
Opportunities
- Expansion into new markets
- Adoption of digital banking solutions
- Strategic acquisitions
- Increased demand for community banking services
Threats
- Increased competition from larger banks
- Economic downturn
- Regulatory changes
- Cybersecurity risks
- Interest rate volatility
Competitors and Market Share
Key Competitors
- RF
- SNV
- PNC
Competitive Landscape
FUSB competes with larger regional and national banks. Its advantages include personalized service, but it faces challenges in terms of scale and resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends unavailable without specific data.
Future Projections: Future growth projections unavailable without specific data.
Recent Initiatives: Recent initiatives include efforts to enhance digital banking capabilities and expand its loan portfolio.
Summary
First US Bancshares is a community bank focusing on local markets in Alabama. Its strengths are strong customer relationships and an experienced management team. The bank is relatively small and faces significant competition from larger regional and national banks. Expanding digital capabilities and managing interest rate volatility will be critical for its future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Market Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and competitive landscapes are subject to change.
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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