Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
FUSB logo FUSB
Upturn stock rating
FUSB logo

First US Bancshares Inc (FUSB)

Upturn stock rating
$12.39
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

10/17/2025: FUSB (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

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 14.74%
Avg. Invested days 47
Today’s Advisory PASS
Upturn Star Rating upturn star rating icon
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulation Last Close 10/17/2025

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

ai summary icon Upturn AI SWOT

First US Bancshares Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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

Peer Comparison

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.

Upturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI Summarization 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
Full time employees 147

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.